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Monterra Credit Union

Monterra Credit Union

by Monterra Credit Union

18K ratings
125 reviews
🔧 Utilities
💰 Finance
Free

Details

Released
January 12, 2010
Updated
September 18, 2026

Features

Developer

Monterra Credit Union
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Monterra Credit Union screenshot #1 for iPhone
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Monterra Credit Union screenshot #3 for iPhone
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Reviews summary↘︎
⭐125
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❓4 answered
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About

Manage your finances conveniently and securely from your mobile device. Perform essential banking tasks like checking balances, transferring funds, depositing checks, and paying bills. Easily locate branches and ATMs, and communicate with the credit union through secure messaging.

✓Check account balances
✓Transfer funds
✓Deposit checks
✓Pay bills and people
✓Find branches and ATMs
✓Send secure messages
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What users say about Monterra Credit Union

Reviews of Monterra Credit Union are mixed: the Finance app is rated 4.9/5 from 18K App Store ratings. What users like most: smooth and user-friendly app, fast and responsive. Top complaints: login issues and credential errors, lack of biometric login options. Summarized from real user reviews.

Positive things

  • 👍Smooth and user-friendly app
  • 🚀Fast and responsive
  • 💡Useful features like check deposit
  • 👍Excellent customer service
  • 👍Reliable and consistent performance

Negative things

  • 🐛Login issues and credential errors
  • 🔒Lack of biometric login options
  • 🐛Zelle functionality not working properly
  • 🔋High battery consumption
  • 🐛Buggy and unreliable app
See all reviews

What's New in Monterra Credit Union

4022.2.2

September 18, 2026

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

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User reviews

Most RecentHighest RatedLowest Rated

Lifetime Customer

I’ve been a member since before 2008 when it was still San Mateo Credit Union and I lived in San Mateo County. I moved to Solano County almost 5 years ago and having the mobile app has made it possible for me to continue my banking relationship with now, Monterra. I say relationship because I have been through life’s ups and downs with the credit union by my side. They have seen me through challenges and for that, I will continue to be loyal.
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MMMabalot

Review

I love banking and saving at my Monterra credit union 😍
CLChili's land

Easy to use

I love this app- it was designed well for the customer. I’m able to easily look at transactions and do transfers to any of my accounts with ease.
3326det

Customer service

Every time, I have questions, every representative has been very helpful, understanding and patient. When you are my age, not good with online services. They have been very supportive. Thank you so much.
SPsylvia parra

Everything is great I like this bank

Using my Cell Phone helps me check my checking account balance, and any activity answer
BCBetty crazy
See 120 more reviews

Developer apps

Monterra CU Card Manager
Monterra CU Card Manager

Monterra Credit Union

💰 Finance

(483)

Free
See developer apps

User experience

🐞

Reported Bugs

4 issues

Login screen freezes

Bug

Incompatibility with newer devices

Bug

Frequent app crashes and maintenance issues

Bug

Inconsistent user experience across devices

Bug
✨

Requested Features

4 requests

Ability to access credit card details within the app

Feature

Seamless Zelle integration

Feature

Dark mode option

Feature

Improved notification and alert system

Feature

FAQ

What can I do with the Monterra Credit Union app?

The app allows you to perform a variety of banking tasks on the go. You can check your account balances, transfer funds between accounts, deposit checks remotely, and pay bills or other individuals. It also provides tools to find nearby branches and ATMs and send secure messages to the credit union.

Is the Monterra Credit Union app free to use?

Yes, the app itself is free to download and use. While the app is free, standard carrier data rates may apply for internet access. There are no additional charges from Monterra Credit Union for using the mobile banking features.

How do I deposit a check using the app?

The app features a mobile check deposit function. You will typically need to endorse the back of your check and then use your phone's camera to capture images of the front and back of the endorsed check. Follow the on-screen instructions within the app to complete the deposit.

Can I find ATMs and branches through the app?

Yes, the app includes a feature to help you locate Monterra Credit Union branches and ATMs. This is useful for when you need to access in-person services or withdraw cash.