# Keys FCU Mobile Banking — user reviews > 26 indexed App Store user reviews of Keys FCU Mobile Banking by Keys Federal Credit Union, rated 4.83/5 from 1,358 ratings. - Source: https://appshunter.io/ios/app/keys-fcu-mobile-banking/id1512219027/reviews - App overview in markdown: https://appshunter.io/ios/app/keys-fcu-mobile-banking/id1512219027.md - Rating breakdown: 5★ 1,229 · 4★ 76 · 3★ 24 · 2★ 7 · 1★ 22 ## Newest reviews (6 of 26) ### 3/5 — Needs work *2022-10-19, version 8.5.43* Is it an app? Yes. Is it amazing? Not really. The Face ID feature not only never works, but actually locks me out of my account on the regular. Also, this credit union isn’t affiliated with zelle or anything, so it’s not easy to do transfers with other banks. Even the verification for adding external transfer accounts takes days. Aesthetically, it looks like it was created in the early 2000s. But ultimately, I do like checking my balance, and even though it takes 3-5 business days to transfer to another bank, it does allow me to do that in the first place, which is nice. ### 4/5 — Needs improvements *2021-04-23, version 8.0.1* The app removes the option to use touch ID (after you had already saved that option and signed in) making it inconvenient at times to check your accounts. ### 2/5 — Would be great if it worked properly *2020-12-30* The new updated design is great, but whenever I try to log in it says it’s a bad request and I have to delete the app and redownload it. Very annoying ### 3/5 — Lots of Issues *2020-10-21, version 8.0.0* The app would be fine if it worked properly. To start, the facial recognition sign in hardly ever works and there are constantly issues signing in. Most of the time I have to give up and try the next day. ### 3/5 — Great menu options IF app ever opens *2020-10-17, version 8.0.0* I very much like the updated app and additional functions. WHEN the app feels like opening, there are several new and useful options from which to choose. I do wish that I could use mobil deposits for checks less than $10. I get a fair number of rebate checks for less than $10 and cannot do mobile deposit even when I batch them together for totals OVER $10. As I live 300 miles from Key West, and over 250 miles from Marathon Key (closest branch location), I end up tossing any checks I get for less than $10, essentially losing nearly $100/year. Also, a good 75% of the time I find myself staring at the beautiful sea turtle while waiting and waiting for the app to open. Heck, I’ve even tried to high-5 him to encourage opening the app - to no avail. Most times I find I must delete the app and reinstall. Even then, multiple times when I attempt to log in, I get a “bad request “ pop up. This even when I am a million percent positive that I’ve correctly entered my credentials. It’s frustrating as h3ll. ### 5/5 — Very Nice *2020-06-04, version 8.0.0* Love the new features like locking my card and a Mobile deposit that actually works ## Most critical reviews (10 lowest-rated) ### 1/5 — Liars *2025-09-30, version 9.11.2* You lied, read the message that you sent me in secure messages when you said you was gonna deposit the check ### 1/5 — Love the bank, app needs work *2021-12-28, version 8.0.1* I love this bank, just wish they would fix their app. No updates to it in 9+ months with some major issues: -constantly getting signed out despite enabling FaceID. Pretty much on a daily basis have to re-enable FaceID all over again. Also, does not recognize my KeysFCU password in Apple Keychain to suggest it to make logging in easier - have to go pick it from keychain. -constant pop up advertisements for their services despite hitting “do not show again”. -have to force quit app frequently or else it won’t let you sign in. Ultimately, these aren’t major issues - the interface and all is good. Just signing in to the app and the pop up’s are keeping this from a 5 star app. But it’s been over a year with these issues and 9+ months with no app updates. Pretty disappointing for an otherwise great bank. ### 1/5 — Constant reinstalling needed *2020-12-17, version 8.0.0* This app constantly needs to be deleted and reinstalled to make it work. It frequently gives me a Bad Request message when signing in. This one is better than the last version, but still not quite there. ### 1/5 — Doesn’t work *2020-09-21, version 8.0.0* This app doesn’t work and seeing other reviews everyone has a problem with it. I can never check my account, I see turtle but it let me log in, each time I have to delete the app and reinstall it just to be able to check my account. When using computer (always the same computer) it doesn’t let me log in without requesting to send a code to a phone first. Very annoying, it shouldn’t take so long just to be able to check your balance ### 1/5 — Completely Broken!! *2020-09-16, version 8.0.0* This new app is absolutely broken. Every time I try to log in it automatically locks my account. How did the old app work but this “new” app doesn’t. Please fix your stuff Keys Federal, it shouldn’t be too hard. ### 1/5 — Terrible *2020-09-04, version 8.0.0* I am rarely able to use this app since you changed it. I would really like to check my account, but way more often than not, I’m just staring at a sea turtle waiting for it to never open. ### 1/5 — App has bugs *2020-08-13, version 8.0.0* Will not store account information password and fingerprint for iPhone ### 1/5 — Please fix!!!! *2020-06-26, version 8.0.0* I can’t even login to see my account. Every time I try it tells me “bad request”. Android app and even the website has issues logging in as well. Not good at all. ### 1/5 — No mobile deposit functionality. *2020-06-07, version 8.0.0* Impressive how broken this trash is. At least the old app functioned. ### 2/5 — Credit card app broken *2023-10-23, version 8.5.43* Credit card side of this app has been down for months and no one will help, very frustrating. ## Most praised reviews (10 highest-rated) ### 5/5 — Fantastic service *2026-02-02, version 9.11.2* This is the best bank I have ever had. They are always there for you and they have the number one service. ### 5/5 — Great strides to improve the banking experience *2025-12-31, version 9.11.2* Over the last couple of yrs there has certainly been some issues with general common courtesy. Lately it’s been extremely pleasant… Thank you. ### 5/5 — Dimple *2025-06-27, version 9.11.2* Awesome bank, awesome service and most importantly wonderful people that work there❤️ ### 5/5 — My credit union is just the best! *2023-12-27, version 9.11.2* This institution has been a blessing for me! Great costumer service, excellent rates for loans, and the best at resolving any issues I might have!!!! Thanks for being there for me! ### 5/5 — Tavernier Branch *2023-05-08, version 8.5.43* This must be the most sincere, personable, efficient, knowledgeable group of employees I have ever encountered in a bank. What a great team! They follow through with any need you have. And, they are always happy to greet anyone that walks in the door. Love them… ### 5/5 — Truly the best *2023-02-17, version 8.5.43* I love my bank I trust that they have my best interest!!!!! Local- Jason Holloway ### 5/5 — Best financial institution ever *2022-11-14, version 8.5.43* I’ve had the best experiences with this app! Thank you Keys Federal ### 5/5 — hi y’all *2021-11-26, version 8.0.1* i seriously love you guys… -nick ### 5/5 — Best “bank” in the Keys! *2021-03-13, version 8.0.0* Everyone at KeysFCU is amazing. I love my credit Union! ### 5/5 — Trash like everything else they offer *2020-08-25, version 8.0.0* What everybody else says freezing constantly. Be careful with your money around these people. --- *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 2026-09-06.*