# Nicolet Bank Digital — user reviews > 43 indexed App Store user reviews of Nicolet Bank Digital by Nicolet National Bank, rated 2.34/5 from 116 ratings. - Source: https://appshunter.io/ios/app/nicolet-bank-digital/id6504625826/reviews - App overview in markdown: https://appshunter.io/ios/app/nicolet-bank-digital/id6504625826.md - Rating breakdown: 5★ 29 · 4★ 2 · 3★ 3 · 2★ 8 · 1★ 63 ## What do users think of Nicolet Bank Digital? Overall sentiment: negative **Pros** - 🚀 Safe and easy to use - 🔒 Added two-step security **Cons** - 🐛 Slow, buggy, and unreliable - 🔍 Lack of communication and support - ⏱️ Slower performance than old app - 🔄 Recurring transfer issues - 📸 Mobile check deposit problems - 🔒 Authentication issues **Commonly reported bugs** - App frequently crashes or freezes - Login and authentication problems - Disappearing transaction history - Unreliable mobile check deposits **Most requested features** - Bring back dark mode - Restore Zelle functionality - Improve app stability and reliability ## Newest reviews (16 of 43) ### 1/5 — Not loading… *2025-03-23, version 2025.2.2.3* Accounts not even loading half the time, what a joke. Maybe should have stuck with the old app??? ### 1/5 — Terrible *2025-03-22, version 2025.2.2.3* Did someone in high school make the app? For real, terrible. Nicolet should look at a different company for IT. ### 1/5 — Horrible *2025-03-19* 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. ### 1/5 — The WORST app ever! *2025-03-14, version 2024.12.12* 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! ### 1/5 — New app is no good *2025-03-14* 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 ### 1/5 — Don’t work *2025-03-12, version 2024.12.12* 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 ### 1/5 — Saddest app *2025-03-06, version 2024.12.12* Where’s the ability for users to self service resetting their passwords without needing to call customer support. That should have been a minimum requirement for your developers when rolling out this new App you hyped up so much. Also. When receiving a one time code to authenticate. The App should recognize from the email received the code and allow users to click to prefill without having to open the email to them manually type in. Basic functions that other Apps do. Not impressed. ### 1/5 — Not a good start *2025-03-05* This new app has been a complete headache. Does not show activity as quick as the old app. Just had a days activity that was posted disappear leaving me wondering if funds got to the right places. Not worth the headache. ### 1/5 — Old app worked better *2025-03-02* This app update has been very bad so far. Mobile check deposits take longer with the new app. Also, recurring transfers have been duplicated for no apparent reason. ### 1/5 — New app *2025-03-02, version 2024.12.12* New app is terrible. Why mess up something that worked fine. Slow, transfer don’t show as quick. D, all of the above. Brutal push out/development ### 1/5 — Open app *2025-02-27* Does not call with code ### 1/5 — Already hate it *2025-02-27* Took forever to even get into the app. Requested text verification and it kept trying to call but wouldn’t send a call just routed to voicemail so I had to redo all my phone settings so it would stop sending the calls to spam. Then they took away the dark mode. Where’s the dark mode?!? There was nothing wrong with the old app. Why a whole new one 🙄 ### 1/5 — What a mess *2025-02-26* The old app worked pretty well. This is a peice of garbage that has not been checked out, and mostly doesn’t work. Tries to take pictures of checks for deposit automatically, but doesn’t work. Can’t make deposits at all. New password requirement to really screw you up! I think I will have to change banks. ### 1/5 — No zelle function *2025-02-25, version 2024.12* Updated to the new app only to discover they didn’t get their ducks in line for having Zelle installed. This unenrolled me from Zelle and this is a major function missing. ### 1/5 — Garbage *2025-02-25, version 2024.12* This new update is trash. Give me the old app back asap. ### 1/5 — Digital *2025-02-24, version 2024.12* Why do so have to do this again? I “updated” this morning. This is really aggravating. ## Most critical reviews (10 lowest-rated) ### 1/5 — Overly complex *2026-05-22* 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. **Developer response:** 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. ### 1/5 — DO NOT TRUST NICOLET *2026-01-28, version 2025.10.1.2* 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. ### 1/5 — Trash *2026-01-27, version 2025.10.1.2* 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. ### 1/5 — Doesn’t work *2026-01-17* 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. **Developer response:** 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. ### 1/5 — Horrible *2025-07-12* Screen freezes when I click on cards. Have to delete the app and reinstall the app if I want to make credit card payments. **Developer response:** 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! ### 1/5 — New App Same Issues *2025-05-22, version 2025.2.2.3* Nicolet can’t figure how to make an app without headaches ### 1/5 — Trash *2025-05-07* 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. **Developer response:** 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. ### 1/5 — new app WORSE *2025-05-06* 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 ### 1/5 — Bank app *2025-05-02* 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 **Developer response:** 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. ### 1/5 — Worst ‘upgrade’ *2025-03-28* 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. ## Most praised reviews (10 highest-rated) ### 5/5 — Rough Start! *2025-03-10* 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 ### 5/5 — Safe and Easy *2025-02-24* I’ve banked with Nicolet for almost 20 years and I’m thrilled with the updated app. It’s user friendly with added two step security that gives me peace of mind. 5 stars! ### 5/5 — Love it! *2025-02-24* I love the functionality and look of this bank app! ### 5/5 — Great app *2025-02-22* Just downloaded the new app, it great and easy to use ### 4/5 — Slow conversion - but doing it right. *2025-02-24, version 2024.12* Taking a bit of time but it looks like the app has been well thought out. Big question - is it I watch compatible? I see Balance can be shown on a watch but I’m not seeing an app for it. ### 3/5 — HELP *2025-02-23* I haven’t been able to login to the new app all day. Should be working as soon as you release it. Not telling me it’s still being updated. What’s the problem. ### 2/5 — Big disappointment *2026-02-03* 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. **Developer response:** 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. ### 2/5 — Not great since update *2025-05-21* 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. **Developer response:** 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. ### 2/5 — SLOW SLOW SLOW *2025-03-25, version 2025.2.2.3* 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!! ### 2/5 — Why? *2025-02-24* The old app was just fine. You make us stress with the inability to not log into the new app. And it looks even more complicated to navigate. --- *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 2026-08-24.*