# Merck EFCU Mobile App — user reviews > 30 indexed App Store user reviews of Merck EFCU Mobile App by Merck Employees Federal Credit Union, rated 4.80/5 from 612 ratings. - Source: https://appshunter.io/ios/app/merck-efcu-mobile-app/id1450539491/reviews - App overview in markdown: https://appshunter.io/ios/app/merck-efcu-mobile-app/id1450539491.md - Rating breakdown: 5★ 546 · 4★ 49 · 3★ 10 · 2★ 0 · 1★ 7 ## Newest reviews (10 of 30) ### 4/5 — Works fine.. *2025-10-08* No complaints other than please add a dark mode option. ### 3/5 — New Rollout is Slow *2024-04-04* The new update does provide a sleeker interface, but everything is so slow now I don’t want to open the app anymore ### 3/5 — Needs work… *2024-04-02* The app appears more sluggish than the previous version. Wound up setting things up in the browser version and then things worked okay in the mobile version. Can you please offer dark mode for BOTH browser and mobile. ### 3/5 — Needs work… *2024-04-01* The app appears more sluggish than previously. Text authentication doesn’t appear to be working. Bill pay… is it opening to some other window we cannot see on mobile? Also, can you please offer dark mode. ### 5/5 — No connectivity? *2019-12-15* App says I have no connectivity even though I just downloaded it!? Shut down, checked connectivity, deleted app and downloaded again. Same issue. Love the CU, hate the app. ### 5/5 — Please stop the interruptions and commercials *2019-11-22, version 19.2.50* Please stop the interruptions and commercials ### 1/5 — Not great *2019-09-14* I recognize they are trying to update the functionality but not liking the features and the bill pay. It’s hard to sign in and such. The rollout is thumbs down. ### 1/5 — Appalling rollout *2019-09-04* This is a very frustrating app. The CU switched over from previous app to this. Have been unable to get it to work since launch. Doesn’t recognize “me”. CU must be overwhelmed with complaints as no one is ever available to “validate”, a step that seems to be required to get the app to function. Horrible, especially if this is your main means of bill paying and finance. Will have to use the web only. The app is currently useless. Very disappointed. ### 1/5 — Doesn’t work *2019-09-02, version 19.1.42* Previous app worked without issue. This app asks for a username, password, and daytime phone then asks all the same questions over and over. Really needed it for depositing checks and am forced to log into the website instead for balance inquiries. Fix it please! ### 5/5 — Doesn’t work *2019-08-26* This is not funny. Very unprofessional. Should have worked out bugs before launching. ## Most critical reviews (10 lowest-rated) ### 1/5 — Latest version doesn’t work *2026-05-24, version 4021.0.2* After installing app it forced me to reset my password for some reason. Entered my info and kept getting an error message that my info couldn’t be found. I have an account, also have the app on my android phone and it works with no issues. Not sure what the problem is with the apple version of the app. ### 1/5 — Slow!! *2024-04-02* This new app is painfully slow. Everything takes forever to load. The old app was so much faster. This app has become useless. ### 1/5 — Slow! *2024-04-01* This new app as of April 2024 is painfully slow to navigate. Everything just takes forever to get through different screens. The old app was MUCH quicker. ### 1/5 — Forced password change without copy and paste *2022-03-24* The app won’t let me in without changing my password, and won’t let me copy and paste passwords from my password manager. ### 1/5 — Too many bugs *2021-04-08, version 20.2.81* Should have worked out the bugs before launching ### 1/5 — Face unlock doesn’t work half the time *2021-02-05, version 20.2.50* Seems like you have to uninstall and reinstall the app just to get face unlock to popup again. It just won’t when you open the app, and if you click the face unlock button nothing happens. Have to type annoying password every time. Cmon. Fix this please. ### 1/5 — Can’t get in *2020-02-05* When trying to enroll it wouldn’t work at all and took numerous calls to even enroll and they had to do it on their part. Then when trying to login with the app it’ll go through, ask for my number, say everything was saved, and take me back to the login page. Very unprofessional and unorganized, mobile banking should make things easier not harder. ### 1/5 — CAN'T LOG IN! *2019-11-04* New app is broken. Login screen -> phone number request -> login screen -> phone number request -> login screen -> phone number request.... This goes on forever. Can't actually get into the app. ### 1/5 — Hate this new system *2019-10-26* The old way was soooo much easier. I hate this new system. I guess you have to pay these idiots to come up with new ways to make our lives more miserable and complicated. Thank you for nothing ### 1/5 — Doesn’t work. *2019-09-20* The old app was great. Can’t even get into this one. Get log on screen. Asks for email twice and phone # and then back to log on screen, over and over. Better fix it fast. Even the new desktop version is clunky. I expect better! ## Most praised reviews (10 highest-rated) ### 5/5 — Love the MEFCU App! *2026-02-17* The MEFCU app makes mobile banking incredibly easy, convenient & helpful. Just the right amount of protective features and the ability to remote deposit checks or make payment transfers in seconds is much appreciated. ### 5/5 — Glen *2026-02-14* I love you dearly, MEFCU. Happy Valentine’s Day. ### 5/5 — Faster *2024-04-09* I’ll redo my review…after the first few days, it’s much faster. Potentially even faster than the old app. So I’m back to 5 stars. **Developer response:** Thank you! ### 5/5 — New version is very slow *2024-04-04* I use the mobile app routinely; after the upgrade this past weekend the app has become excruciatingly slow, the ability to call from the home page is gone; can’t seem to find the instant balance feature (maybe it’s gone?) and on and on. I appreciate MEFCU’s attention to security, wish it didn’t come at the expense of convenience ### 5/5 — Easy & convenient *2024-03-25* This is a great banking app. It offers a lot of convenience, and it works well. ### 5/5 — Great app *2023-04-08* Very easy to use. Has 2-step auth for security. Allows for facial recognition. ### 5/5 — LOVE THE CUSTOMER SERVICE TEAM *2022-12-16* I love banking on this app. Everything is labeled for convenience! Anytime I have an issue and have to call the customer service line they are always available to help you with whatever you need. Super polite and caring staff! Couldn’t be happier with the mobile banking! ### 5/5 — Easy to use *2020-07-03, version 19.3.20* The Merck FCU is so easy to use. ### 5/5 — App login doesn’t work *2020-05-16* Uploaded app in May 2020...login is an endless loop of adding your email and phone number in the second screen and after “confirmed” comes up it just takes you back to the login screen. When trying to reset password it asks you the correct security questions, so obviously it did register my account at some point. After reading some reviews from last year with similar login issues, why hasn’t this been fixed. The credit union should have a review posted here with an explanation. Why did I get an email in April 2020 telling me this App was available when it doesn’t work in May 2020 (or ever, going by previous reviews)??? ### 5/5 — Fast deposit and easy *2020-05-14* Thank you! --- *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 2026-08-31.*