# Monterra Credit Union > Mobile banking app for managing accounts, transfers, deposits, and payments. (iPhone/iPad app by Monterra Credit Union.) - Source: https://appshunter.io/ios/app/monterra-credit-union/id348636486 (this page in markdown: same URL + `.md`) - Developer: [Monterra Credit Union](https://appshunter.io/developer/348636489) - Category: Finance, Utilities - Price: Free - Rating: 4.85/5 from 16,786 App Store ratings · 118 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 118 MB - Languages: English - Released: 2010-01-12 - Data updated: 2026-09-02 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/monterra-credit-union/id348636486/reviews.md ## What is Monterra Credit Union? Get convenient and secure on the go banking with Monterra Mobile. Check balances, transfer funds, deposit checks, pay bills or people, find a branch/ATM, send us a secure message, and much more! ## Key features - Check account balances - Transfer funds - Deposit checks - Pay bills and people - Find branches and ATMs - Send secure messages ## What do users think of Monterra Credit Union? Overall sentiment: neutral **Pros** - 👍 Smooth and user-friendly app - 🚀 Fast and responsive - 💡 Useful features like check deposit - 👍 Excellent customer service - 👍 Reliable and consistent performance **Cons** - 🐛 Login issues and credential errors - 🔒 Lack of biometric login options - 🐛 Zelle functionality not working properly - 🔋 High battery consumption - 🐛 Buggy and unreliable app **Commonly reported bugs** - Login screen freezes - Incompatibility with newer devices - Frequent app crashes and maintenance issues - Inconsistent user experience across devices **Most requested features** - Ability to access credit card details within the app - Seamless Zelle integration - Dark mode option - Improved notification and alert system ## Recent user reviews (10 of 118) All indexed reviews: https://appshunter.io/ios/app/monterra-credit-union/id348636486/reviews.md ### 5/5 — Lo amo *2026-07-24, version 4021.0.2* Es una app buenisima ### 5/5 — Customer service *2026-04-21, version 4020.2.0* Awesome!!! ### 5/5 — Financial services *2026-03-07, version 4020.0.0* I’ve been really happy using this bank’s app. It’s simple to use, everything is easy to find, and it makes managing my money quick and convenient. I check my balance, review transactions, and handle what I need without any hassle. It’s been reliable and saves me time, which I really appreciate. Overall, I’m very satisfied with the app and the service. ### 5/5 — Credit Union *2026-03-05, version 4020.0.0* The SMCU has great services ever expanding to meet the needs of the customers. It is a great asset to the people of San Mateo county having started as an employee credit union. ### 5/5 — Since 16 *2026-02-12, version 4020.0.0* Never lost any confidence in this Union. ### 5/5 — Best Banker at Monterra Credit Union *2026-02-05, version 4019.1.0* Mike Bueno, thank you for your great service. Michael consistently interacts in a respectful and professional manner. His commitment to providing quality service and his strong work ethic reflect positively on the organization as a whole. ### 5/5 — 👍 *2026-01-20, version 4019.0.3* Buen banco y además el personal muy amable😏 ### 5/5 — Website *2026-01-12, version 4019.0.3* Very easy to navigate to accounts and do transactions. ### 5/5 — GOAT *2026-01-08, version 4019.0.3* Best financial institute everllll ### 5/5 — Trusted Security *2025-11-19, version 4018.1.1* This is a great Credit Union. Security is most important to me. ## Frequently asked questions about Monterra Credit Union ### 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. ## Version history (last 5 releases) ### 4021.0.2 — 2026-05-04 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. ### 4020.2.0 — 2026-04-07 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. ### 4020.1.1 — 2026-03-10 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. ### 4020.0.0 — 2026-02-11 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. ### 4019.1.0 — 2026-01-21 Our new experience provides easier access to the features you use most while on the go. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*