# Kinecta Mobile Banking — user reviews > 195 indexed App Store user reviews of Kinecta Mobile Banking by Kinecta Federal Credit Union, rated 4.80/5 from 10,685 ratings. - Source: https://appshunter.io/ios/app/kinecta-mobile-banking/id502816782/reviews - App overview in markdown: https://appshunter.io/ios/app/kinecta-mobile-banking/id502816782.md - Rating breakdown: 5★ 9,529 · 4★ 856 · 3★ 163 · 2★ 42 · 1★ 95 ## What do users think of Kinecta Mobile Banking? Overall sentiment: positive **Pros** - 👍 Easy to navigate - 👍 Convenient access - 👍 User-friendly - 👍 Excellent customer service - 👍 Great banking experience - 👍 Reliable secured transactions **Cons** - 🐛 Occasional login issues - 🐛 Mobile deposit problems - 🐛 Inconsistent app performance - 🐛 Confusing UI changes - 🐛 Frequent password resets required **Commonly reported bugs** - Snapshot feature not working - Transfers not showing immediately - Mobile deposit issues with check cropping - Frequent account lockouts **Most requested features** - Add Zelle integration - Improve transfer functionality - Provide dark mode option - Allow pasting of passwords - Show pending transactions - Add check image viewing ## Newest reviews (15 of 195) ### 4/5 — Wonderful app *2026-07-07, version 4021.1.3* I've been using this app for a few months and never had any problem. Always run smooth and let me do what I need to do. Absolutely a must have on your phone. ### 4/5 — Kinecta *2026-06-28, version 4021.1.3* Great banking app, some features lacking ### 3/5 — Notifications? *2026-06-16, version 4021.1.3* I get a notification on my phone that I have a notification from the bank but when I try to find it in the app, it says I’m all caught up and there are no notifications ### 3/5 — eleven people have *2026-05-28, version 4021.0.2* lol the only l his ave to i u see pros the to the next level and see ill to get u irritation the the see you soon the world will l my j the do pupt l l j p the l let’s just l m ok l love let l is the the only thing you have is i t lol r l l ### 2/5 — Mobile Deposit Issue *2026-04-27, version 4020.2.0* Still can’t read my printed name on the check. ### 4/5 — The app is good but could be better *2026-03-31, version 4020.1.1* The app is good, but it needs to be reorganized a little better. It does everything I need it too, but it can be difficult to find some things. ### 5/5 — Not Allowing Me To Access MY ACCOUNT *2026-03-29, version 4020.1.1* You changes or maintenance are ruing your system. My User Name And Password Is Correct, but your system repeatedly tells me I can’t access my accounts and to try again. Fix your damn system!!Fire the programmers who created this G.D. Nightmare. Also, it now takes forever for the password block to appear. What Gives???? ### 5/5 — Good Services and *2026-03-13, version 4020.1.1* I have been with Hughes before Howard die. ### 5/5 — Happy *2026-02-28, version 4019.1.0* Convenient, time saving re assured that I can manage my money anywhere. ### 5/5 — Solid Banking app *2026-02-21, version 4019.1.0* Love the app, very simple. Easy to use, very informative! It has lots of tutorials with step by step instructions on how to complete various functions in the app, like setting up zell and what not ### 5/5 — Greatly improved *2026-02-20, version 4019.1.0* Finally, the app works as it should. Easy to use, clear and understandable. They solved the lagging, so now it's reliable and fast. Once in a while I still see tiny lags, but I think that's due to servers and networking issues, not the app itself. Bravo to the dev team. Now... please keep it that way... please? ### 5/5 — Best of the bank *2026-02-03, version 4019.1.0* I really like this app five stars for ever ### 5/5 — Great service! *2026-01-30, version 4019.1.0* Everyone always helpful, always professional, always pleasant. ### 5/5 — Totally happy *2026-01-29, version 4019.1.0* 👍🏾 ### 5/5 — Love the Customer service personnel *2026-01-26, version 4019.1.0* I can't get no simpler than this ## Most critical reviews (10 lowest-rated) ### 1/5 — No longer able to transfer from the app *2026-07-09, version 4021.1.3* In the latest update, the Transfer/Pay button is gone and replaced with estatements, and there are no options within the app to move money around. ### 1/5 — Kinecta Steals Funds! *2026-06-29, version 4021.1.3* I'm renting out a room in my apartment. The new tenant sent me a check for more than the amount of the first/last month rent. They were supposed to send me $3400 which covers one month's rent and security deposit. However, I got a check for $4700. This struck me as suspicious. I refused to deposit the check via mobile app due to my suspicion and went to the credit union to deposit the check. I received the check on June 18 and deposited it. I was told that the check would clear on June 23, 2026. At the same time I suspected that I may be a victim of an 'overpayment scam' and looked up who to contact. The whole thing made me uncomfortable as the check was made out for $1300 MORE than required and the 'tenant' started asking me to send some of the money to help her move. I explained all of this to the bank teller; telling her I think this check is bogus. She agreed it was suspicious as well. I told her I wasn't touching this money, let's see if it clears fully before I do anything.. I immediately contacted the credit card fraud department on Tuesday, June 23, 2026, when the check finally 'cleared' because it still struck me as odd and that a scam was being attempted. (I have the text messages from the scam artist 'Cathy' to back up everything I'm saying). The fraud department agreed and although the check 'cleared' the hold amount, it still felt bogus to me. I told the woman on the fraud line, who I spoke to for a very long time, that I was SURE this was a scam. She agreed and said it'll take a little more time to determine is the check is legit and stated once they find out the check is no good, they will remove the bogus money from the account; just be sure not to spend any of it. I was not going to touch that money as this whole thing freaked me out. She told me not to worry, as long as I didn't touch the money. I did not. Friday June 25, 2003, I noticed that finally that extra bogus money was removed from my account. I was quite glad. It left me with about $600 between my checking/saving account. I was so glad it was taken care of. This weekend the refrigerator in my apartment stopped working meaning I could lose a month's worth of food (I'm disabled and on a fixed budget). I went to the grocery store to purchase ice to put in a cooler to salvage food only to discover that Kinecta shut down my account and STOLE $600 from me! I did everything correctly, followed all instructions, did not touch the scam funds, and Kinecta still removed my legitimate money and shut down my account without cause. This caused me direct financial harm and loss of food. I need this investigated. ### 1/5 — Can never lognin *2026-05-12, version 4021.0.2* Constantly getting “authentication error” forcing me to use desktop ### 1/5 — Worst app *2026-02-22, version 4019.1.0* One of the worst banks and apps I’ve ever used it’s so terrible. Bank charges fees on everything and the app is so hard to use it literally sucks. If u could give 0 stars I would ### 1/5 — Worst app *2025-12-17, version 4018.1.1* One of the worst banks and apps I’ve ever used it’s so terrible. Bank charges fees on everything and the app is so hard to use it literally sucks. If u could give 0 stars I would ### 1/5 — Poor *2025-12-12, version 4018.1.1* Stays stuck at the very beginning can’t do nothing ### 1/5 — No button for transfers *2025-04-24, version 4016.1.2* The recent UI update removed the Transfers & Pay button. Not able to transfer funds across my accounts ### 1/5 — User interface is terrible *2025-03-30, version 4016.1.2* Nothing is easy with Kinecta. They redesigned the app a while back and even though it looks much better, the user interface is terrible. It was impossible to find where to go to even pay my bill. Even when I found where to go, apparently I didn't hit enough buttons to send it and my payment ended up being late until I realized it wasn't paid. They reported it and dinged my credit by over 100 points. My credit was 830 and it dropped to 724. Overall I've been extremely disappointed with and Kinecta and especially the app. ### 1/5 — Update *2025-01-25, version 4015.2.3* The latest upset no longer save smh username. Will this be fixed? ### 1/5 — Overall not a bad app with one glaring issue *2024-12-11* Overall, the app is pretty good. Importantly a lot of the changes for security have been nice to see. UI could use a bit more contrast between certain elements. The reason it is a one star, is solely due to the fact when you make a credit card payment to Kinecta, the default payment option is recurrent and not single payment. This has nearly cause a problem every single month since its been deployed. This is not typical for any payment service, and is either a complete oversight or its malicious. Either way, my review will stay as such till this default is changed. ## Most praised reviews (10 highest-rated) ### 5/5 — Best *2026-08-09, version 4021.1.3* This app is very useful too use ### 5/5 — Dope *2026-07-22, version 4021.1.3* The app is dope ### 5/5 — Great App *2026-07-14, version 4021.1.3* I do love the Kinesta banking app. My only complaint about Kinecta is if you have a business and a personal account, you have to have a separate login to view each one. Which means that it’s difficult to use Face ID, which makes things so much faster because it wants to keep logging you into one and not the other… This might be a small thing to some people, but it’s kind of a pain in the butt to me but other than that, I absolutely love the app and I love Kinecta. ### 5/5 — LOVE MY BANK *2026-07-14, version 4021.1.3* HAPPY CAMPER!! ### 5/5 — Webster ny location *2026-07-10, version 4021.1.3* I love the app it's easy to navigate and has so much information. Easy to read no fine print that isn't explained. Love it. The Kinecta location in Webster NY has the best team in there. Always willing to help always going above and beyond. They make you feel safe about your banking. Thank you for providing in our community. ### 5/5 — Amazing *2026-06-16, version 4021.1.3* Very easy. ### 5/5 — Greatc Website *2026-05-26, version 4021.0.2* Very reliable Website ### 5/5 — Kinecta mobile app *2026-05-26, version 4021.0.2* The app makes it easy to track my money, still a fairly new account but I hope my direct deposit works just as good as everything else has been so far. ### 5/5 — Kinecta Mobile Banking *2026-05-22, version 4021.0.2* Great customer service love being a Kinecta member much love best of wishes always…🙃😇🤞🙏🇺🇸❤️🇺🇸 ### 5/5 — Kinecta Mobile Banking *2026-05-09, version 4021.0.2* LOVE BEING A NEW MEMBER ! So professional & great Staff! Naomi Blum --- *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 2026-08-28.*