# Innovations FCU Mobile Banking — user reviews > 63 indexed App Store user reviews of Innovations FCU Mobile Banking by Innovations Financial Credit Union, rated 4.82/5 from 3,152 ratings. - Source: https://appshunter.io/ios/app/innovations-fcu-mobile-banking/id1066941475/reviews - App overview in markdown: https://appshunter.io/ios/app/innovations-fcu-mobile-banking/id1066941475.md - Rating breakdown: 5★ 2,825 · 4★ 206 · 3★ 56 · 2★ 22 · 1★ 44 ## What do users think of Innovations FCU Mobile Banking? Overall sentiment: positive **Pros** - 🚀 Easy to use - 👍 Convenient features - 🔒 Secure banking - 💡 Helpful for beginners - 🚀 Reliable and efficient **Cons** - 🐛 Bugs with mobile deposit - 🐛 Biometrics settings reset - 🐛 App crashes and battery drain - 🔍 Confusing UI changes - 💰 Unexpected fees **Commonly reported bugs** - Mobile deposit not working - Biometrics settings reset - App crashes and battery drain - Transactions display issues **Most requested features** - Bring back loan balance display - Improve bill pay functionality - Add dark mode option - Enhance transaction details ## Newest reviews (13 of 63) ### 3/5 — ? *2023-01-21, version 4.41.107* Can’t seem to get bills loaded ### 5/5 — Reliable, efficient convenient. *2021-04-26, version 4.25.198* Been using it for several years. Makes my financial life easier. Reliable, efficient, convent and most of all secure. Thanks. ### 5/5 — Helpful *2020-12-23, version 4.25.151* This app is very helpful for beginners ### 5/5 — Review *2020-12-03, version 4.25.151* Best credit union I EVER belonged to. They make you feel like family anytime I deal with them. What an asset to Bay County. ### 5/5 — Love this App *2020-09-28, version 4.25.151* Thank you Innovation FCU for developing this App; it’s fast, easy and convenient!! ### 5/5 — Great service *2020-09-04, version 4.25.151* Very happy with the service ### 5/5 — Love it *2020-08-11, version 4.25.151* Great ### 5/5 — Unable to log in *2020-07-31, version 4.25.151* Edit:Upon asking about this. They had up and running in a few hours time. I literally can’t even log in. I’ve used the app time and time again. But now that I really need it I can’t. My review will change based on how this is handled. ### 5/5 — Appreciation note *2020-05-19, version 4.25.151* Easy and safe way to check my balance a truly great app ### 5/5 — App *2020-03-18, version 4.25.151* Love my innovations app; very easy to use. ### 5/5 — Great personal financial management app *2019-11-27, version 4.25.151* Can manage my savings and draft accounts, move money between accounts, pay bills, direct deposits and other banking activities easily and intuitively from either my home computer, IPad or mobile phone. Comprehensive and fun to use. ### 5/5 — Good banking *2019-10-28, version 4.6.182* This app makes it easy to check all my accounts in one place. ### 5/5 — My opinion *2019-09-27, version 4.6.182* In my opinion this is the best bank I have ever had the pleasure of being a part of. At my local branch in Panama City Florida the staff are so kind and so helpful. The online banking app is a godsend. It’s easy to navigate and understand. I look forward to continuing to do business with them for years to come.... ## Most critical reviews (10 lowest-rated) ### 1/5 — App is broken *2024-05-01, version 5.7.107* I now have to power off my phone every time I use the app because even after closing the app it continues to track my location and drain my battery. Please fix this issue ### 1/5 — Changing just to change is not INNOVATION *2024-04-11, version 5.7.107* Why would you fix what’s not broken? Why do card transactions now start with: “Withdrawal Check Card” instead of the name of the business? That phrase is so unnecessarily long that it takes up what little space is given to each transaction on the screen (because they’re all smaller now too). So instead of scrolling down and reading through my processed transactions, I have to touch each one to see what it was. How is this an improvement to add an extra step to see each description of every transaction when they used to all be listed right there? It’s ridiculous. What’s even more ridiculous is the new “Upcoming Transactions” page where each transaction simply shows the name of the business without the silly “Withdrawal Check Card” preface. Just do that on the Transactions page! The app before was basically perfect and checked all the boxes. Changing it just for the sake of change is not INNOVATION. ### 1/5 — Bill pay *2021-08-06, version 4.39.182* Has been an ok app until recently. For Over a month now I have not had access to the bill pay portion of my account. I have reached out to both tech support and account services. The only response I get is we’re are working on it… ### 1/5 — Updated app *2019-11-22, version 4.25.151* This updated app don’t show when a payment is due or the amount you owe. This update is horrible change it back. ### 1/5 — Update *2019-11-20, version 4.25.151* I don’t like the new update because it took away your owed balance of what you owe if have a loan are anything with innovation. Other than that I think everything is okay! ### 1/5 — Just leave my login settings alone. *2018-11-01, version 4.6.182* I swear every time i login no matter howmany times i enable biometric login, i get a notifacation “please login and enable biometrics” LEAVE MY SETTINGS ALONE PLEASE. ### 1/5 — Ridiculous *2018-01-11, version 4.6.182* Charges me $5 just to pay my bill. ### 2/5 — Ok *2019-06-28, version 4.6.182* Mobile deposit fails a lot ### 3/5 — It’s great but need to change a few things *2024-07-04, version 5.8.95* I love using the app but it makes it so inconvenient when you open the app and the bold number at the top is what you used to have and the smaller number under the big bold number is what you currently have. Of your not careful you will think you still have a certain amount when you have a smaller amount truly to use. I opted for overdraft but if you were to use it to buy your $10 tissue you will be charged $30 so be cautious on this app If you do overdraft, just go to the bank, ask to overdraft your full $500 that you are allowed to pull in advanced and you will be changed $30 only once instead of throughout every charge you make ### 3/5 — Unable to use Mobile Deposit *2024-01-24, version 4.41.114* All of a sudden the Mobile Deposit will notrecognize the endorsement on the back of the check which prohibits me from completing the transaction. This has been going along for several months. My wife has also tried on her phone and she gets the same results. I’m using an Apple 13 Pro and she is using an Apple 15 Pro. Is there a fix for this???? ## Most praised reviews (10 highest-rated) ### 5/5 — Friendly Personal Service *2026-08-14, version 5.16.113* Down home hospitality is what we experienced with Lana at the Bonifay Florida branch. From opening an account to getting a small personal loan, Lana was knowledgeable, patient and helpful. All of the staff are super nice. Finally, a bank we enjoy working with. ### 5/5 — Great CU *2023-08-14, version 4.41.114* I have had nothing but positive interaction with Innovations CU. ### 5/5 — Very glad I opened my online account! ☺️ *2022-09-28, version 4.39.189* I was always reluctant to have an online account, because I was afraid of it being unsafe. Meanwhile, my bank account was hacked and/or compromised by unscrupulous online companies (3x) before I *had* an online account! Now I can check my account more easily and check what is happening with my money without calling in to Innovations right away. ### 5/5 — DS:5.5 ERROR *2022-04-24, version 4.39.186* Why do I always get this error? The app isn’t even working correctly. This needs to be fixed. ### 5/5 — Loving the app so far *2022-04-13, version 4.39.186* I like to think innovation for forcing me to get the app. It saves time an very easy access to look into my account and see what’s going on at the touch of my hands. Its pretty much a Teller without being one. Wouldn’t want to replace a face and smile though. I and the wife have dealt with this company for quite sometime, and the experience seems to be getting better and better. Thank you La’Rhann Stuckey ### 5/5 — App *2022-03-17, version 4.39.186* I love innovation because it’s precise. I love how it tell u it’s pending withdrawals/Deposits. ### 5/5 — Set up *2022-01-14, version 4.39.182* Very helpful setting up the app! Thank you very much! ### 5/5 — Easy to use and many options my previous online banking with another bank didn’t have *2021-08-11, version 4.39.182* Easy to use straight forward to set up. I can do 99% of what I need to do at the branch on the app now. Thanks! ### 5/5 — Innovations Credit Union *2021-04-26, version 4.25.198* They have been great in taking care of all my needs for several years and I would be happy to recommend them to all that need a good bank. ### 5/5 — Simple! *2021-04-26, version 4.25.198* Very easy to use, simple to use, and easy to find what I need! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*