# SmartBank Mobile Banking — user reviews > 160 indexed App Store user reviews of SmartBank Mobile Banking by SmartBank, rated 4.80/5 from 5,295 ratings. - Source: https://appshunter.io/ios/app/smartbank-mobile-banking/id506166542/reviews - App overview in markdown: https://appshunter.io/ios/app/smartbank-mobile-banking/id506166542.md - Rating breakdown: 5★ 4,681 · 4★ 327 · 3★ 112 · 2★ 58 · 1★ 117 ## What do users think of SmartBank Mobile Banking? Overall sentiment: negative **Pros** - 👍 Easy to use - 🚀 Convenient mobile banking - 🔒 Secure banking experience - 💡 Helpful mobile deposit feature **Cons** - 🐛 App crashes and errors - 🔒 Frequent login issues - 🕰️ Slow app performance - 📉 Declining user experience after updates **Commonly reported bugs** - Login credentials not saving - Inability to access accounts after certain hours - Inconsistent app behavior across devices **Most requested features** - Ability to make external transfers from the app - Longer transaction history view - Improved app notifications and alerts - Seamless Face ID/biometric login integration ## Newest reviews (13 of 160) ### 4/5 — Transfers *2026-06-04, version 6.0.0.16239* I wish the app would allow users to place comments on transfers as well as schedule them instead of only having an instant option ### 5/5 — The bank you can Trust *2026-05-18, version 6.0.0.15483* Love the app ### 5/5 — Love this bank *2026-04-08, version 6.0.0.14629* The staff is awesome on G. Avenue Chattanooga Tennessee. ### 5/5 — Exceptional *2026-03-30, version 6.0.0.14629* The app works great. Certainly the standard I have come to expect from SmartBank ### 2/5 — Not working *2026-03-30, version 6.0.0.14629* Hasn’t worked in 2 days ### 5/5 — Works better than most *2026-03-12, version 6.0.0.13755* So far so good No issues in the last 2years ### 4/5 — Good app for banking *2026-03-10, version 6.0.0.13755* Works good. Wish you could view multiple months of activity rather than just the most recent. Great customer service when problems are encountered and they are resolved quickly ### 5/5 — Wonderful app *2026-03-05, version 6.0.0.13755* Easy to use! Great app! Very helpful ### 3/5 — Needs improvement *2026-03-02, version 6.0.0.13755* This app freezes too often. The last three times of me opening the app. I have to exit out close out my phone and start it up again before I can gain access. I’ve checked for recent updates and there is none available. I don’t have issues with my other bank apps. ### 5/5 — SmartBank *2026-03-01, version 6.0.0.13755* Easy to use. Transferring money from one account to another is easy and quick. Fees are usually returned. ### 3/5 — Works fine most of the time *2026-02-26, version 6.0.0.13755* Compared to other, albeit much larger, banks I use, there aren’t as many features and recently the app was down and I couldn’t access my funds. Naturally it was a weekend, and they don’t have weekend or after hours support. ### 2/5 — Crashes a lot *2026-02-22, version 6.0.0.13755* App crashes a lot and won’t load during the most important times especially if I lock my card and need to unlock it for a purchase but the app is down. Very frustrating. ### 2/5 — Worse with recent updates *2026-02-03, version 6.0.0.12306* The new version gives much less visibility into an account’s current activity (and search is also less robust) which seems slightly inexcusable for a banking app in 2026. ## Most critical reviews (10 lowest-rated) ### 1/5 — Tweety *2026-08-30, version 6.0.0.18663* Ever since the last update of this online banking app update it's been running so so so slow for absolutely no reason ! It literally takes forever for it to actually load! Wha is going on! Or u have to constantly put ur code in just to get access! Thought updates were supposed to actually make the app run more smoothly! ### 1/5 — Tweety *2026-06-21, version 6.0.0.17025* No matter how many times u update the this app there is always an issue with it ! Either u can't get into the app without using a passcode or it's doesn't want to load ! Been trying to get into the app for 10 minutes and all it does is searching! I don't have time to sit and just wait for this app to search! Soon as u click on the app it should just open up! Supposed to make life easier it's not! ### 1/5 — Always getting locked out *2026-03-16, version 6.0.0.13755* The app always locks me out and makes me reset my password. It’s a headache. One time I had to call Smartbank and then they told me I have to come in in person just to be able to use the app. It’s not my favorite banking app .. just sayin. ### 1/5 — Worst banking app ever *2026-02-22, version 6.0.0.13755* This app would be fine if every other day it wasn’t down for service. Probably switching banks here very soon strictly bc I can’t access my account have the time with my app… been trying to log on since late last night but can’t. ### 1/5 — Tweety *2026-02-22* I am getting really tired of dealing with these constant issues with logging into my account app! This is ridiculous! I have to either put in my passcode constantly or i have to put my other information in just to see what my stuff is! I'm supposed to have automatic ID set up but half the time it doesn't work! But yet u constantly update the app! But it's not fixing the issues ! Doesn't make much sense does it! **Developer response:** We're sorry to hear about your less-than-satisfactory experience with SmartBank. Your feedback is important to us, and we would appreciate the opportunity to address your concerns. Please reach out to our customer support team at 866-290-2554 so we can better understand your specific situation and work towards a resolution. ### 1/5 — Me *2026-02-13, version 6.0.0.13090* The previous version was so much more user friendly. This one you have to jump through so many hoops to get anything done. ### 1/5 — Worst app in the world *2026-02-06, version 6.0.0.13090* I’m trying to login my account on Face ID to keep sending me text message when I enter. This says error. I don’t know what’s going on. This is the worst app in the world. ### 1/5 — The App *2025-11-16, version 6.0.0.11322* It is quirky and didn’t work in China when we were there in May. Not convenient at all! ### 1/5 — Tweety *2025-11-10* What in the heck is going on with this banking app! Half the time it’s not able to even log into my account! On top of that I have to keep using my passcode to even log into my account! Because for whatever reason Face ID doesn’t want to work! U keep updating this app! But it just seems to get worse! Then now out of nowhere I get this email saying that my credit score is basically nothing or nonexistent! When a week ago it was showing my credit score was just fine! And had not changed What the heck is going on! Is this a major glitch in ur system! Give me a break! Getting very fed up with these constant glitches in ur system! The app itself is bad enough ! **Developer response:** We're sorry to hear about your less-than-satisfactory experience with SmartBank. Your feedback is important to us, and we would appreciate the opportunity to address your concerns. Please reach out to our customer support team at 866-290-2554 so we can better understand your specific situation and work towards a resolution. ### 1/5 — Not the best *2025-08-28, version 6.0.9317* Really hate this App. Facial recognition only works “sometimes”. When it doesn’t, it will not let me enter username or password. So delete and download, constantly. Every other bank I use have much better apps. ## Most praised reviews (10 highest-rated) ### 5/5 — Simple and straightforward *2026-09-03, version 6.0.0.18663* Haven’t really had problems with this app. ### 5/5 — Great Bank! *2026-08-17, version 6.0.0.17821* I’ve been using the Auburn branch of SmartBank. The various people who work in that branch have always been kind, helpful, & very professional. They also have dog treats that my boy, Benny, appreciates! Highly recommend this branch!! ### 5/5 — SmartBank app *2026-07-17, version 6.0.0.17821* Love the online app. I can move $$. Pay bills. Check balances. See what I’ve spent in just seconds. Also if I need to speak to a real person they are always available. Very friendly helpful and professional. ### 5/5 — User friendly *2026-07-12, version 6.0.0.17025* 👍🏼 ### 5/5 — Great customer service *2026-06-28, version 6.0.0.17025* Great customer service. Very responsive for all aspects of my banking experiences. ### 5/5 — Great app *2026-06-27, version 6.0.0.17025* Love it very useful and keep me on track ### 5/5 — Smart Bank App *2026-06-27, version 6.0.0.17025* I love Smart Bank and the app on my phone. Makes life easier and I feel safe with Smart Bank! ### 5/5 — Nice app *2026-06-26, version 6.0.0.17025* This is an easy app to navigate ### 5/5 — Needs improvement *2026-06-06, version 6.0.0.16239* This app freezes too often. The last three times of me opening the app. I have to exit out close out my phone and start it up again before I can gain access. I’ve checked for recent updates and there is none available. I don’t have issues with my other bank apps. ### 5/5 — Everything I Need *2026-06-05, version 6.0.0.16239* Super easy way to keep all my info at my fingertips! Fast transfers and mobile deposits! --- *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 2026-09-08.*