# SpectraCU Mobile Banking — user reviews > 84 indexed App Store user reviews of SpectraCU Mobile Banking by SPECTRA CREDIT UNION, rated 4.50/5 from 435 ratings. - Source: https://appshunter.io/ios/app/spectracu-mobile-banking/id515436410/reviews - App overview in markdown: https://appshunter.io/ios/app/spectracu-mobile-banking/id515436410.md - Rating breakdown: 5★ 338 · 4★ 43 · 3★ 15 · 2★ 9 · 1★ 29 ## What do users think of SpectraCU Mobile Banking? Overall sentiment: positive **Pros** - 👍 User-friendly - 🚀 Fast and accurate - 🔒 Secure app - 💡 Convenient banking at your fingertips - 👍 Streamlined and intuitive - 👍 Smooth and efficient **Cons** - 🐛 Crashes or freezes often - 🐛 Errors and issues with the app - 🐛 Difficult to navigate - 🐛 Outdated and needs updating - 🐛 Requires frequent password changes - 🐛 Difficult to access credit card information **Commonly reported bugs** - Constant device registration required - Remote check deposit issues - Compatibility problems with newer devices **Most requested features** - Ability to lock/unlock debit card - Integrate credit card management within the app - Add Zelle transfer functionality - Improve bill pay options and flexibility - Display routing number on main account screen ## Newest reviews (16 of 84) ### 4/5 — NRLFCU *2023-04-23, version 4.1.5801* Terrible app Doesn’t work ### 5/5 — Very convenient real-time account access. *2023-02-05, version 4.1.5724* Very convenient real-time account access. ### 5/5 — Love it *2023-01-12, version 4.1.5724* Just love this app does everything I need ### 5/5 — Great Bank *2023-01-07, version 4.1.5724* Great Bank, Great App, Excelente Personal at their facility’s… couldn’t relay in another bank such greater than this one. ### 4/5 — Nice app *2023-01-03, version 4.1.5724* It’s easy and handy to have the app, so I can track my finances easily ### 5/5 — Spectrum is great *2022-12-28, version 4.1.5724* The transfer from NRL to Spectrum was seamless. ### 4/5 — Stylish and User Friendly *2022-12-28, version 4.1.5724* No complaints ### 5/5 — Banking at your fingertips *2022-12-18, version 4.1.5724* This does everything I’d expect from a full service banking app including remote deposits. Very intuitive & user friendly works very well consistently. Definitely useful & appreciated. ### 5/5 — It’s Good *2022-12-17, version 4.1.5724* Does what I need. No extraneous bells and whistles. It just works each and every time I use it. ### 5/5 — Fantastic, Fantastic, Fantastic *2022-12-10* I use this app all the time. Everyone should have it as a convenience and staying up to date with their money/investments! Two thumbs up!!! ### 5/5 — Easy to Use *2022-12-06* Love the App! Allows me to do multiple things from the phone without logging into laptop ### 5/5 — Taz *2022-12-03* Doing a good job only a couple of bugs that need to be worked out how do people add money into your account then it’s just taken out how do they get the account number and how do they take it back out I have noticed this over the weekend’s that it has happened ### 5/5 — Sr *2022-12-03, version 4.1.5724* The best application. ### 5/5 — Ease of use *2022-11-25, version 4.1.5724* I really like how easy it is to navigate through the Ap. ### 5/5 — Great bank *2022-11-22, version 4.1.5724* I love banking with NRL I would refer my friends and family ### 5/5 — Me gusta *2022-11-18, version 4.1.5724* Me gusta mucho la app ## Most critical reviews (10 lowest-rated) ### 1/5 — Still Needs Work *2023-04-23, version 4.1.5801* The app constantly freezes or has errors often. Not good. Especially for a financial app. ### 1/5 — Terrible interface *2023-01-04, version 4.1.5724* This app is terrible. Easily locks out of the account and have to get a live representative to unlock. Poor. ### 1/5 — horrible access to credit card information *2022-12-05, version 4.1.5724* I want to know my credit card balance. All other banks show this in their app. NRL doesn't. ### 1/5 — Out of date *2022-11-15, version 4.1.5724* Needs to be updated. Looks like a 2011 app. ### 1/5 — Register device *2022-10-14, version 4.1.5715* Where’s a new update? It’s now making me register my phone EVERY. SINGLE. TIME. I log in. Update this and fix it. It’s been going on since the last update. I’ve had enough. I don’t want to uninstall/reinstall to see if that works because I’ll have to reset up Face ID. Annoying. Be better. ### 1/5 — Register device *2022-10-02, version 4.1.5715* It makes me register my device every single time I log in now. ### 1/5 — Not Very User-Friendly *2022-06-04, version 4.1.5715* In order to view credit cards; you have to visit a third party website. It’s 2022; why can’t I check/pay my credit card through the app? ### 1/5 — Your entire online banking is awful. *2022-03-14, version 4.1.5715* It doesn’t recognize my phone and asks me to verify the browser each time I log in. I’m required to change my password every so often. And I have to have a different log in for my credit card. Please get it together. ### 1/5 — Needs an update BAD! *2019-06-25* This app has been my go to for years on my iPhone. In the last few months I have been having an extremely difficult time getting it to work properly. At times it doesn’t accept my password, I have yet to verify my external transfer because it spins constantly on the log-in. My suggestion to you all is: if you are not prepared to launch technology to work as it should, keep it in the development or testing stage until you release it to your customers. I’d much rather you get it right than advertise a product that does not work and you fail to communicate to your customers it doesn’t work. ### 2/5 — Not easy to navigate *2022-11-19, version 4.1.5724* I find this app difficult to navigate, and the error messages received are unhelpful. ## Most praised reviews (10 highest-rated) ### 5/5 — Not flashy but it works *2026-04-18* It lacks the polish of some newer fintech apps but it reliably does what it needs to do, give me access to my accounts. Very happy with the app and Spectra Credit Union overall. ### 5/5 — Great app *2023-04-25, version 4.1.5801* Great app user friendly fast and accurate ### 5/5 — Overall Experience *2023-04-24, version 4.1.5801* I love Spectra. ### 5/5 — SPECTRA APP *2023-04-23, version 4.1.5801* I am pleased with the ease offered in making various banking transactions via the app🌸. Thank you. ### 5/5 — Banking at your fingertips *2023-04-21* This does everything I’d expect from a full service banking app including remote deposits. Very intuitive & user friendly works very well consistently. Definitely useful & appreciated. ### 5/5 — NRLFCU App *2023-04-21, version 4.1.5801* Love it!!! ### 5/5 — Krizzo225 *2023-03-06, version 4.1.5724* Love it! ### 5/5 — Great Bank *2023-03-05, version 4.1.5724* Great Bank, Great App, Excelente Personal at their facility’s… couldn’t relay in another bank such greater than this one. ### 5/5 — MyCU *2023-02-25, version 4.1.5724* Been with NRL now Spectra for many years and they have been a trusted depository of our daily finances. No issues ever. Hope they keep trucking. ### 5/5 — Always there when I need them! *2023-02-10, version 4.1.5724* This is a great institution, so I will finally make this credit union my primary banking institution. --- *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 2026-08-01.*