# Synergy FCU — user reviews > 25 indexed App Store user reviews of Synergy FCU by Synergy Federal Credit Union, rated 4.52/5 from 529 ratings. - Source: https://appshunter.io/ios/app/synergy-fcu/id6450719301/reviews - App overview in markdown: https://appshunter.io/ios/app/synergy-fcu/id6450719301.md - Rating breakdown: 5★ 388 · 4★ 26 · 3★ 14 · 2★ 7 · 1★ 42 ## What do users think of Synergy FCU? Overall sentiment: negative **Pros** - ✅ App functionality restored over time - 📱 Works on iPad (though with limitations) **Cons** - ❌ Major feature removal in app redesign - 🚫 Cannot transfer funds to/from external bank accounts - 🚫 Zelle payment functionality removed - 🚫 Unable to schedule or manage auto payments via app - 🚫 Cannot view full transaction history - 🔐 Login credential persistence issues - 🔐 Security error messages with unresponsive support - 📵 Poor customer service accessibility (limited hours, full voicemail) - 🐛 App crashes and frequent instability - 🐛 Camera functionality unstable for mobile deposits - 🎨 Poor user interface design (dated, unintuitive) - 📱 iPad screen scaling not optimized - ⏱️ Slow fund transfer processing (10+ days) - 📢 No advance notification of major app changes **Commonly reported bugs** - Login credentials not persisting between sessions - App crashes on weekends preventing access - Password changes not resolving login issues - External bank transfer functionality broken - Security detection errors with unresponsive support team - Auto-payment setup stopped working after update - Camera instability during mobile deposit - Transaction history not displaying - Unauthorized activity detection false positives **Most requested features** - Restore external bank account transfer capability - Restore Zelle payment integration - Restore auto-payment scheduling and management - Restore full transaction history viewing - Improve user interface design and modernization - Optimize app for tablet screen sizes - Extend customer service hours (weekend support) - Improve app stability and reliability - Enhance camera quality for mobile deposits - Provide advance notification for major updates ## Newest reviews (11 of 25) ### 1/5 — WHAT?! *2023-08-22, version 22.2.211* Why release a new app that’s worse in literally every way? Who wins here? ### 1/5 — Garbage App *2023-08-18, version 22.2.211* Fire your app developer. This app is impossible to use and doesn’t even work ### 1/5 — Terrible roll out *2023-08-18* This new system update is terrible. I can no longer see the history of my loan payments. I can no longer make payments via my checking account from another institution. So now I have to get cash out every month and take it to a synergy location. I’m told I can fund my savings account and then make a payment to my my loan but when I made a transfer it took 10 days to fund. The experience is horrible and can’t wait to be done with this FCU. This was just bad in so many ways. Unacceptable. ### 1/5 — WHAT HAPPENED! *2023-08-16, version 22.2.211* This new app roll out has absolutely taken all trust I have with this bank. I cannot get a hold of them for my financial needs. What if I have an emergency where I need to pull some money but can’t because they are IMPOSSIBLE to get a hold of. Zelle is no longer available with the new app and it’s literally useless. I have left many voicemails for me to Receive a call back and it’s been DAYS! What if there was fraud on my account and it wiped everything I got? Can’t get a hold of these people and it’s extremely disturbing and frustrating. Overall, I’m very unsatisfied with this institution. ### 1/5 — Horrible *2023-08-12, version 22.2.211* Zero heads up! New app is tasteless and boring. They also took out Zelle app . ### 1/5 — Trash - Terrible and Useless Update! *2023-08-12, version 22.2.211* Where do I start! This is a complete piece of garbage. Both the app and the online banking. How could a CU roll out something that is this terrible and obviously not ready to launch. No Zelle, very limited on everything else. I can’t even check for transactions if they were before the recent transactions list. I’m at my wits end. About to change banks over this piece of junk. Roll everything back or increase the functionality pronto! ### 1/5 — Poorly Done *2023-08-09* The entire app rollout was poorly executed. Members weren’t given any notification or details about the upcoming change and what would be required. It’s also impossible to get in touch with anyone as when you call member services you’re told that they’re busy helping other folks and you’ll need to leave a message. When you attempt to do so it then advises you that the mailbox is full. Overall not a good look and will be utilizing other credit unions for my financial needs in the future. ### 1/5 — Horrible *2023-08-09, version 22.2.211* This new “updated” app is worse than before please change it back im about to switch banks over this ### 1/5 — App *2023-08-08, version 22.2.211* This app is terrible ### 1/5 — New app *2023-08-08, version 22.2.211* I do not like this new app. It’s horrible. I can’t see my monthly transactions ### 1/5 — Garbage “update” *2023-08-07* This is absolutely garbage. What were you thinking. The User interface is literally non-existent and on par with something from the 1980’s. What were the devs thinking when they rolled out this piece of junk?? Seriously this is a downgrade from the past app which was nothing to brag about either. Sadly users have no options because the prior app is obsolete. ## Most critical reviews (10 lowest-rated) ### 1/5 — Trash *2025-07-08, version 24.2.60* What happened to synergy! This thing is bad straight garbage!!!! ### 1/5 — Terrible App *2025-04-04, version 24.2.60* App never maintains login credentials. Users also can’t make a payment to an account using an external bank account. Please fix these issues. ### 1/5 — HORRIBLE!!! *2025-01-20, version 24.1.70* This app is HORRIBLE, it never works I’m getting ready to close this account because I can never use this app ### 1/5 — Garbage *2024-10-15, version 24.1.70* Got in with Synergy FCU about 3 months before this major overhaul in the mobile app and it has been horrendous. There was no longer the ability to schedule auto payments for my loan. Yes the auto payments I had setup came to a stop. I had to walk into the bank monthly to make a payment for nearly 6 months. Then they had to send me a link to setup auto payment. There is still no way to edit or cancel this via the mobile app. It's been over a year. I can't add an external institution to transfer funds. I can't send Zelle payments to my other banks. Once I'm done with my loan here I will never return. In this day and age, mobile banking is important and they blew it The old interface was so much better. ### 1/5 — Do Better *2024-06-25, version 24.1.70* With the old app I was able to transfer funds to a different account. I am unable to transfer with this app. As a result I have to drive 20 miles to my bank. 6/22/24 updated my app and it stopped working-again ### 1/5 — AWFUL *2024-02-10, version 23.1.72* This app is the worst. Here it is the weekend and can’t get into the app. Changed my password and nothing still can’t get in. Oh and did I forget CANT CALL ANYONE FOR HELP BECAUSE ITS CLOSED SAT AND SUN. This is ridiculous. Bring the old app back. Security Service FCU here I come ### 1/5 — Horrible *2023-11-23* This app is horrible I am not able to transfer money from another bank! ### 1/5 — Garbage *2023-11-02* This roll out was awful. I can’t transfer money to synergy from another institution with this app. I tried the website and all I get is “Unauthorized activity detected click here to send an email to our security team” and that email has gone unanswered. Talk about going backwards where I now have to visit the bank only after going to my other bank to pull cash out to deposit for my loan at Synergy. I’m about ready to refinance at a higher interest rate to avoid this headache. Trash ### 1/5 — Do Better *2023-10-14* With the old app I was able to transfer funds to a different account. I am unable to transfer with this app. As a result I have to drive 20 miles to my bank. ### 1/5 — Terrible! *2023-10-01, version 23.1.71* Destroyed the perfectly good user interface with this. You need to fire the devs and the management that pushed this through. Major downgrade. A CU with no branches CANNOT limit its users by the app in any manner. You owe it to your members to provide a substantive app with great flexibility. Get it!? You don’t have branches therefore you MUST have a working app. ## Most praised reviews (4 highest-rated) ### 5/5 — Bad *2023-08-04, version 22.2.211* Although the app works on an iPad , the screen size stays the same as if you are on a phone. Terrible unless I’m missing information to adjust th screen size. ### 4/5 — Hard to take pictures *2023-08-28, version 23.1.71* Not easy to make a deposit due to unstable camera. ### 3/5 — Not like it w. *2023-10-02, version 23.1.71* Almost back to useable like it was before. ### 2/5 — Please fix! *2026-04-03, version 25.2.100* When you open to review your “cards” at the bottom it closes the app. When I try to review my purchases in the “card” section at the top where my accounts are listed it doesn’t show my transactions. How are we supposed to review this section to ensure there is no fraudulent activity? --- *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 2026-08-26.*