# Smart Financial Mobile — user reviews > 100 indexed App Store user reviews of Smart Financial Mobile by Smart Financial Credit Union, rated 4.80/5 from 15,211 ratings. - Source: https://appshunter.io/ios/app/smart-financial-mobile/id434390943/reviews - App overview in markdown: https://appshunter.io/ios/app/smart-financial-mobile/id434390943.md - Rating breakdown: 5★ 13,487 · 4★ 1,324 · 3★ 292 · 2★ 37 · 1★ 71 ## What do users think of Smart Financial Mobile? Overall sentiment: positive **Pros** - 🚀 Convenient and easy to use - 🔒 Secure banking experience - 👍 Excellent customer service - 🚀 Fast and responsive app - 👍 User-friendly interface - 👍 Helpful financial tools and features **Cons** - 🐛 Occasional app crashes or glitches - 🔒 Concerns about account visibility when linking external accounts - 👎 Limited deposit and transfer options - 👎 Slow loading times in some cases **Commonly reported bugs** - App not loading or logging in properly - Inaccurate account balance display - Remote deposit capture issues **Most requested features** - Expand deposit and transfer capabilities - Improve app stability and reduce crashes - Provide more customization options (e.g., themes, text size) - Add search functionality to easily find transactions - Enhance child account management features ## Newest reviews (15 of 100) ### 5/5 — CU Mem21 *2025-09-23, version 4018.0.0* It’s gotten easier with the new banking technology transactions with the ability to do external banking. Greatly appreciate that through your app. It’s secure and I have a choice to transfer monies to my other credit unions/financial institutions. ### 5/5 — Excellent App *2025-07-19, version 4017.2.0* I am able to do what I need to when I access this app. ### 5/5 — 5 stars *2025-04-01, version 4016.1.2* I love the fact that you all have added this feature…and u can move $ between different accounts ### 5/5 — Amazing service! *2025-03-04, version 4016.0.1* Margie is so patient and of great help to me. Also very knowledgeable in bank info. Just awesome! ### 5/5 — SFCU App *2025-02-05, version 4016.0.1* Very informative. Very convenient. Saves me so much time and effort. If you bank with SFCU this app will make your financial managing so much easier. ### 5/5 — Easy to use! *2025-01-14, version 4015.1.2* This App is very easy and self explanatory. There are many banking services available right at your fingertips! ### 5/5 — Friendly Banking for the community *2024-12-18, version 4015.1.2* I love Smart Financial this bank is one of a kind! The bank is conducive to the customer’s needs. ### 5/5 — The app is very easy to use and understand. *2024-12-18, version 4015.1.2* I have not had one moment of user disappointment while using the app. ### 5/5 — Much Appreciate! *2024-08-27, version 4014.0.0* Great customer service, my deep appreciation to Mercedes, at Wayside branch, helped me get a signature loan. Maria D.S.Martínez ### 5/5 — Best Credit Union *2024-07-12, version 4013.2.0* Love Smart Financial, great customer service, well designed mobile app and dedicated to making your experience seamless. ### 5/5 — Opinion *2024-06-29, version 4012.3.0* It’s very convenient with everything at your fingertips. No hidden fees or changes without notification. ### 5/5 — Love it *2024-04-19, version 4012.2.0* Great app great bank ### 5/5 — Customer Service *2023-11-03, version 4010.2.1* Excellent professionalism and patience! ### 5/5 — Credit Union review *2023-10-12, version 4007.2.1* No problems with my credit union I just wish my pay check would be deposited a day earlier like other banks ### 5/5 — Martha *2023-07-30, version 4007.2.1* I’ve always been impressed with Smart Financial, I have 2 offices, 1 close to work and 1 close to home!! ## Most critical reviews (10 lowest-rated) ### 1/5 — Always glitches *2026-06-25, version 4021.1.3* This bank is awesome the app is trash always messing up or slow or problems loading ### 1/5 — Pending transactions not accurate *2025-11-16, version 4018.1.1* Very very poor app functionality regarding actual pending transactions populating in the system. Shows you have more money than you actually do until it all comes crashing down on you. Better keep an old school ledger as this app can’t do it for you. Other banks can. Js. ### 1/5 — My review of SMartFinancial app *2022-05-12, version 3023.4.0* When you link external accounts your account details are no longer available what you see is your account details that were linked and not what’s in your Smart Financial Account. The app has a bug where it takes it’s sweet time loading. Information isn’t clear and options a very few to choose from. The app is poorly designed. ### 1/5 — Does not load *2020-04-20, version 3012.4.0* This app used to work good on my phone but does not even load anymore. ### 2/5 — App is not working please check and fix it *2024-02-06, version 4011.1.0* App is very glitchy not working now ### 3/5 — Customer *2019-10-18* Love the app! Our local office is terrible. Terrible location as well. No drive thru. Nobody inside to help you but to point you to a kiosk. Instead if transactions other employers can be getting these people in and out in a kind friendly hurry. People don’t like to stand in line. Short line ok. Long line moving on. But no line moving is terrible. I was there for one hour depositing these checks into the kiosk. It was miserable. One of the folks could have helped me quicker since I just open an account for my daughter. But after the young lady finished opening that Acct, I had to use the kiosk also by standing in that long line again. Terrible set up. Need more people not computers behind them working with you. I try everything in my power not to go there. ### 3/5 — Removed Branch in Beaumont TX *2019-05-17, version 3000.7.5* I cannot give this credit union higher than a 3 because they removed the physical branch fromBeaumont TX. I know they will say, “Internet” “Phone” “ATM” however that not the way I apply for a loan and I know I’m not alone. On the other hand, the customer service is great and I like the website. ### 4/5 — Mobile banking app *2025-08-29, version 4018.0.0* Sometimes the check deposit repeatedly fails. I will try multiple days & eventually goes through. ### 4/5 — Smart Financial *2024-11-12, version 4015.0.1* Good app overall. Easy to use and no major issues. The only problem is I enrolled in Zelle and now it no longer shows on my account so I can’t use it. ### 4/5 — 2nd chance financing *2022-12-16, version 4005.5.0* Smart is a good company but the company should work with second chance customers who are trying to make a financial come back from a bad financial decisions in order to be a better customer. Every case might not be the same but those who are not a credit risk should have an opportunity to be a better customer working with direct deposit. In each case have a cap on the amount loaned each customer. ## Most praised reviews (10 highest-rated) ### 5/5 — We need you in Katy, TX‼️‼️‼️‼️ *2026-08-09, version 4022.0.0* If there are plans to reopen a Smartfinancial Credit Union in the Fulshear/Katy, TX area then plz advertise it on billboards or notify the members immediately. Thank you. ### 5/5 — Elizabeth *2026-07-15, version 4021.1.3* Makes my life easier ### 5/5 — Fantastic Financial Institution *2026-07-06, version 4021.1.3* I’m a 30 year member and have ALWAYS had positive experiences! Great banker services! ### 5/5 — Love my app *2026-06-29, version 4021.1.3* Easy to use no problems ### 5/5 — The app is very easy to use and understand. *2026-04-30, version 4020.2.0* I am confident about using the app…I am really a believer in its reliability regarding my being safe as I use it and also when I finish. Thanks Smart Financial. ### 5/5 — The best! *2026-04-12, version 4020.2.0* Started using this CU about 6 years ago (per the request of my husband) and they have provided me the best services and loans since. My son is now grown and uses them as well! 100% would recommend. ### 5/5 — Smart Financial Mobile *2026-03-18, version 4020.1.1* I love the accessibility that it gives me to my account. ### 5/5 — Best Bank *2026-02-24, version 4020.0.0* Been having Smart since I was 14 I’m 35 now they are the best ### 5/5 — Great credit union *2025-12-09, version 4018.1.1* I’ve been with smart financial credit union since 2017. They are great. This was the first time I’ve ever had an account with a credit union and they have delivered. ### 5/5 — Zelle *2025-11-17, version 4018.1.1* How come Zelle doesn’t work most of the time? --- *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 2026-09-04.*