# Merchants Bank N.A. Mobile — user reviews > 59 indexed App Store user reviews of Merchants Bank N.A. Mobile by Merchants Bank N.A., rated 4.71/5 from 4,047 ratings. - Source: https://appshunter.io/ios/app/merchants-bank-na-mobile/id528392938/reviews - App overview in markdown: https://appshunter.io/ios/app/merchants-bank-na-mobile/id528392938.md - Rating breakdown: 5★ 3,282 · 4★ 363 · 3★ 107 · 2★ 48 · 1★ 117 ## What do users think of Merchants Bank N.A. Mobile? Overall sentiment: negative **Pros** - 🚀 Easy to use - 💡 Convenient mobile deposit - 👍 User-friendly app - 🚀 Fast and efficient - 👍 Great local bank **Cons** - 🐛 Frequent crashes and errors - 🔒 Unreliable login and security features - 🐛 Slow and unresponsive app - 🐛 Buggy and outdated design - 🔒 Frustrating authentication process **Commonly reported bugs** - Login issues and account access problems - Frequent crashes and unexpected errors - Compatibility problems with newer devices - Delayed transaction updates and sync issues - Unreliable mobile deposit functionality **Most requested features** - Improved login and authentication options - Enhanced transaction history and reporting - Faster app performance and reliability - Modernized user interface design - Expanded mobile banking capabilities ## Newest reviews (10 of 59) ### 3/5 — Feedback *2026-08-04, version 25.2.0* There are too many times recently that the app will not open. Payments made with the debit card are very truncated and hard to identify the company payments were made towards ### 3/5 — Erratic, but useful when it works. *2024-05-05, version 23.1.4* When it works, it’s a helpful piece of software. However, I find that it is extremely finicky. Certain pages or functions will not work when accessed from one button, but will from the same button in another context. Access denied errors abound. Logging in is a constant struggle with a vpn on. But, as I say, if you can get it to work, it does the job. ### 4/5 — App works like advertised. *2023-02-10, version 20.2.1* The app does what it is supposed to do with very minimal issues. ### 2/5 — It's an ok app *2021-10-30, version 20.2.1* I've had this app for around 2 years now and it seems to be the only app I have had the most trouble with. It seems like when I am not in a urge to access It, it lets me right in. When I need to get in quickly it needs to send me a confirmation code via text. The ratio I give it for letting me in easily is 25% it will let me in no problem. 25% it won't. The other 50% is the next issue I'm gonna explain and that is it's just down or not working most of the time. It says an error occurred when I try to log in and it's a guessing game of when the app will be working again. There's never a email/notification of if the app is down or when it will be back up. Overall the AP is ok but definitely needs improvements ### 1/5 — Needs work *2021-06-19, version 19.2.2* I think they need a new professional to remake this app. Considering changing banks simply because their mobile/online banking has so many issues. At least every other time I try to login, there is an error message and I won’t have access for hours! Very irritating! ### 5/5 — Briggette-Manager at Honeylocust office *2021-06-03, version 19.2.2* The best customer ### 1/5 — Worst mobile banking I have ever used. *2021-05-22, version 19.2.2* Very slow and outdated mobile banking app. ### 1/5 — Touch ID *2021-05-19, version 19.2.2* Latest “update” 1. Logs me out 2. Disables Touch ID 3. Restricts login after attempt to USE Touch ID ### 2/5 — Needs a lot of updates and bug fixes! *2021-04-28, version 19.2.1* I have such a hard time logging on. I have to put my finger twice to by pass the first screen, then it lets me in. Over all. I think it’s needs a lot of updates and fix these bugs in the app. It’s annoying that it always kicks me off, then log back on. Come on IT, you really need to step up your game!! ### 3/5 — Was better *2021-04-18, version 19.2.1* Since the change some time ago, it definitely takes longer to log in and I dislike that there is no exit on check images. There’s definitely room for improvement. ## Most critical reviews (10 lowest-rated) ### 1/5 — Terrible for mortgage payments *2026-02-19, version 24.2.8* This app is almost unusable to pay my mortgage. I bank with a different bank and Merchants services my mortgage loan. I basically have to relearn how to find my monthly payment and how to transfer money to pay my monthly mortgage. It also didn’t get my monthly escrow right for my first six months in my new home and now my escrow has gone up significantly. I am VERY unhappy with Merchants Bank and their app. ### 1/5 — Bad *2025-05-02, version 23.1.7* Can’t really call it an app when 90%of the time it refuses to let me log in just sits and loads for hours until I final get a useless error msg even when you call the number the app provides nothing changes worst bank app to date. ### 1/5 — will no longer let me pay my credit card through this app *2024-10-16, version 23.1.4* i’m not downloading two separate apps to do my banking through my single account. that is absolutely ridiculous. stop forcing me to overload my phone with superfluous bloatware and more possible points of failure for my financial security. not to mention, the second app that i’m supposed to use doesn’t even show up in the App Store for me to download so what am i supposed to do? call customer service every time i want to pay my credit card? ### 1/5 — Awful *2024-08-28, version 23.1.4* The new update is awful. The older version was way easier to read and easier on the eyes. ### 1/5 — Can’t use Face ID *2024-06-13, version 23.1.4* I’ve tried multiple times to get Face ID to work and it always fails. Poor app but it’s all we have. Needs major IT help. ### 1/5 — Okay *2024-03-20, version 23.1.4* Take too many time to get it deposited ### 1/5 — Will be changing banks. *2024-01-18, version 20.2.1* This has been the worst banking experience we have ever had. Local bank employees have been phenomenally friendly. That being said, the online banking experience, customer service, credit card service, and capabilities have not come close to meeting our expectations. What has been advertised and explained has been extremely misleading and very disappointing. As a small business, we were referred to Merchants by a much more reputable banking service as the “go to banking service for small businesses” as they have many added fees for small businesses. That being said, we will be switching to the banking service who referred us to Merchants. ### 1/5 — MerchantsBank is the worst. *2022-09-09, version 20.2.1* MerchantsBank is thee worst bank I have ever worked with. Actual location is open short hours (never open outside of my working hours) and their online banking is sloooooow. It takes days for them up update “immediate” transactions. ### 1/5 — Crashes all the time *2022-04-27, version 20.2.1* This app crashes more than a drunk 16 year old in a blizzard ### 1/5 — Text Verification *2021-10-12, version 20.2.0* I’m forced to lock my screen, set up biometrics, and it still texts me a long code that’s impossible to copy just to log into the app. This app makes me want to change banks. So frustrating. This app is beyond glitchy. When I log in it will only give me the option to sign up for credit score monitoring. If I try to access any thing from the menu it says no accounts available and freezes up. This app is garbage. ## Most praised reviews (10 highest-rated) ### 5/5 — Okay I very like it a lot make it a lot easier *2025-03-22, version 23.1.5* Take too many time to get it deposited ### 5/5 — Excellent Bank *2024-06-24, version 23.1.4* We’ve been with Merchants Bank for 30 + years. Service and customer appreciation is always the most important. We do all our banking at Merchants. Highly recommended. ### 5/5 — Misleading *2023-06-06, version 20.2.1* When you pay-off the amount shown as a balance on a line-of-credit it should be as of that moment. In this day and time I shouldn’t be getting a notice of a balance due of interest the next day. There’s no excuse for the pay-off shown to not be as of that moment inclusive of incurred interest to that point and not exclusive. Otherwise, Pay-off is an incorrect term. I shouldn’t have to call in to the loan department to find out exactly what the pay-off REALLY is! Rant complete! ### 5/5 — I like it *2023-03-21, version 20.2.1* Easy to use. ### 5/5 — Great local bank *2022-11-21, version 20.2.1* All people would be far better off if they support their local banks. Services offered are equal to better that national bank branches. ### 5/5 — Transaction history *2022-08-23, version 20.2.1* Wish we could see back to beginning of current year ### 5/5 — Great App *2022-06-03, version 20.2.1* This app is super easy to use. My work only lets Me deposit my check to up to two accounts and they need to be at separate banks. This app is critical to my savings goals because I can just pop in, move money and keep myself on track. ### 5/5 — Banking *2022-04-18, version 20.2.1* Always very helpful, and professional. ### 5/5 — User friendly *2021-07-15, version 20.2.0* Incredible banking service and user friendly app!! ### 5/5 — Fast and easy! *2021-06-04, version 19.2.2* I love the app! It’s fast and so easy to use! I do all of my banking online now! --- *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 2026-08-20.*