Nicolet Bank Digital User Reviews

Customer Experience

Positive experience11.6% of reviews
Neutral2.3% of reviews
Negative experience86.0% of reviews

~ Based on 43 written reviews from the US App Store.

What users say

Is Nicolet Bank Digital Safe?

Nicolet Bank Digital has mixed safety signals based on user ratings. AppsHunter Safety Score for Nicolet Bank Digital is 50/100.

This assessment is based on 116 user ratings, with an App Store average of 2.3/5.

Safety Analysis

29.5% of ratings point to a safe experience
2.9% of ratings suggest some concerns
67.6% of ratings point to a risky experience

~ Based on 105 App Store ratings for Nicolet Bank Digital.

Is Nicolet Bank Digital Legit?

Nicolet Bank Digital appears legitimate, with a few gaps. AppsHunter Legitimacy Score for Nicolet Bank Digital is 78/100.

Based on 78 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Overly complex

App has taken basic info such as pending outbound payments, account features such as bill pay, statements etc into a wonderland adventure if possible to find this important info through multiple layers, hidden button locations, poorly labeled actions to make it almost impossible to find what your looking for. I call this change for change sake, because we can’t leave something that works along without screwing it up.

Update: thank you for your kind words. I appreciate the effort you have taken to respond to my first post.

My point is this, when you sit at your desk to redo the interface, you can’t design things without identifying the critical elements. Why may it so difficult on the landing page to select what function you’re looking for? Buttons can be designed to allow the user to quickly navigate to pending payments, account balances, the ability to pay bills without having to navigate 4 layers into the app for what should be a primary function, the same should be said for pending payments. There is no way on the site to see pending payments without selecting a payee which then makes this info 5-6 layers into the app, and you still can’t see all the pending payments you may have entered without another multi-layered search to find them.

Again, I believe this is caused by a calendar driven need to change to feel if the site to keep it fresh. The problem with that approach is you’re always finding ways to make the simple complex instead of the other way round. I believe that the first question one should be asking in any redesign, are we making this easier to use or are we just doing this for something different? If it’s the latter, stop and think about how you want to make it simpler.

Think about and incorporate these things into your basic engineering thoughts and simplify and make it easier for you CUSTOMERS to use. And then you’ll be golden.
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Response from developer

Thank you for your feedback. We’re sorry to hear how frustrating this experience has been. Accessing important features like payments, bill pay, and statements should be straightforward, and we understand how difficult it is when it feels hard to find what you need. We appreciate you taking the time to share your perspective. If you’re open to it, please reach out to us directly so we can assist further. Additional response: Thank you for taking the time to share such detailed feedback—we truly appreciate it. We’ve shared your comments with our digital team. In the meantime, we appreciate your patience and your willingness to speak up—insights like yours are incredibly valuable in helping us create a better experience for our customers.

Big disappointment

The new app got a facelift but regressed in so may ways. Still loaded with bugs. Application errors, unintuitve ui, issues with transfers and paperless billing settings. At least the old app functioned.

Response from developer

We’re sorry to hear about your experience and appreciate the honest feedback. While the app has a refreshed look, we know performance and usability are critical, and we regret the issues you’ve encountered. Our team is actively working to address bugs and improve functionality.

DO NOT TRUST NICOLET

Twice I attempted to make a mortgage payment and both times the payment was allocated to PRINCIPAL only with the monthly payment still being due.

Trash

I wish I could give minus stars. This app is absolute trash. They “updated” it but the updates are even worse than the original app. I don’t understand how this bank can have such an inferior app experience to other banks. Half the time my accounts don’t load. The other half it takes AT LEAST 30 seconds to boot up my accounts. I might as well dial up my internet and check my balances on a desktop computer. This app is horrific.

Update: this app is still trash on 1/27/26. Not being able to move your money around. Accounts won’t load. It’s enough to make me want to leave this bank.
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Doesn’t work

This app always has issues. It never works. Currently it crashes the moment I click on it so it is unusable. Next week it’ll be something else.

Response from developer

We understand how frustrating it is to feel like an app isn’t reliable, and we’re sorry this has been your experience. If you are willing, please reach out to voice@nicoletbank.com so that we can work through this issue with you. We continue to work on improvements, and your feedback helps us identify area where we need to do better.

Horrible

Screen freezes when I click on cards. Have to delete the app and reinstall the app if I want to make credit card payments.

Response from developer

Thank you for your feedback and we're really sorry for the inconvenience you've experienced. The issue you described with the screen freezing when clicking on cards was related to a recent release. We’ve since identified the problem and rolled out a new update (2025.06) that resolves this issue. Please make sure you are on the latest version. We appreciate your patience and thank you for helping us improve!

New App Same Issues

Nicolet can’t figure how to make an app without headaches

Not great since update

New update isn’t great. There are a lot of times where I get an error and it says that my accounts are not available at this time. I do like the instant transfers between accounts.

Response from developer

Thank you for your feedback! We're glad to hear you’re enjoying the ability to transfers between accounts. We're really sorry about the errors you're experiencing with the update. That’s definitely not the seamless experience we aim to provide. Our team is actively working to improve performance and reliability.

Trash

I wish I could give minus stars. This app is absolute trash. They “updated” it but the updates are even worse than the original app. I don’t understand how this bank can have such an inferior app experience to other banks. Half the time my accounts don’t load. The other half it takes AT LEAST 30 seconds to boot up my accounts. I might as well dial up my internet and check my balances on a desktop computer. This app is horrific.
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Response from developer

We’re sorry to hear about your experience and appreciate your honest feedback. We understand how frustrating slow load times and account issues can be. Our team is actively working to improve performance and reliability. If you're open to it, please reach out at voice@nicoletbank.com so we can look into this further and help resolve the issues. Thank you for helping us improve.

new app WORSE

Why would a bank limit how much money you can put in an account?! the app is super slow, the daily limits to move money into nicolet will guarantee that it will always be a small regional bank. Almost impossible to get help

Bank app

Worst bank app I have ever used. Constantly unable to see your accounts when you log in on the app. looks like its loading but nothing happens and ends up timing out. Extremely disappointing

Response from developer

We sincerely apologize for the difficulties you've encountered with our app. We understand how frustrating it can be when access to your accounts is disrupted. Please know that our team is actively working to resolve these issues and improve performance. If you're open to it, we'd appreciate the opportunity to assist you directly - You may contact us at voice@nicoletbank.com . We appreciate your feedback and are committed to delivering a more reliable experience moving forward.

Worst ‘upgrade’

Mobile banking is the cornerstone of modern banking. Nicolet must have decided they could save money by developing their own banking app from what we were using prior. This app throws errors every single time I use it. It’s like we are back in 2010 with app functionality.

SLOW SLOW SLOW

You guys need to update this app and get it working faster. I can’t wait 15 minuets to see my balance or pending charges!!

Not loading…

Accounts not even loading half the time, what a joke. Maybe should have stuck with the old app???

Terrible

Did someone in high school make the app? For real, terrible. Nicolet should look at a different company for IT.

Horrible

Each update is worse than the next. Constantly have to open and close the app before I can actually see my account. Taking way longer than it did before just to post internal transactions. Makes me want to bank somewhere else.

The WORST app ever!

This new app is THE WORST! Almost cost us a $140 overdraft fee. Go back to the old app! We looking for a new bank!

New app is no good

Fails to update timely transfers, some transfers showed up pending, then appeared to have failed to transfer, and two days later showed a transfer. transactions show up pending and then disappear a few days until they magically appear again.
Very hard to keep track of transactions when they show up and disappear and reappear constantly
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Don’t work

Went on road trip, got text message that my card was blocked. Had to download NEW app. During login it sent me a code to put in, but the app was frozen and wouldn’t let me put the code in

Rough Start!

Over weekend 3/1 to 3/2 the app was “unplugged” from me as a consumer. It was frustrating as I was unable to transfer from one acct to another to purchase a pair of shoes! I couldn’t do anything for about 3 days.
I would have appreciated knowing how disconnected I would be for that weekend.

Communication,and people online to help would have let me foresee how bad the change would be so I could plan accordingly.
In this time we live in, we already have enough to worry about, BEK
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