# TAPCO CU — user reviews > 26 indexed App Store user reviews of TAPCO CU by TAPCO Credit Union, rated 4.81/5 from 2,225 ratings. - Source: https://appshunter.io/ios/app/tapco-cu/id1273776124/reviews - App overview in markdown: https://appshunter.io/ios/app/tapco-cu/id1273776124.md - Rating breakdown: 5★ 1,697 · 4★ 168 · 3★ 33 · 2★ 8 · 1★ 30 ## What do users think of TAPCO CU? Overall sentiment: neutral **Pros** - 🤩 Excellent customer service - 👍 User-friendly mobile app - 🚀 Convenient distance banking - 💳 Great credit union overall **Cons** - 🐛 Inconsistent app performance - 🔒 Security issues with login and Zelle - 🔧 Outdated app features and UI - 🤔 Confusing account management **Commonly reported bugs** - App crashes and login failures - Incompatibility with newer OS versions - Unreliable Zelle and mobile deposit **Most requested features** - Dark mode option - Improved Zelle functionality - Better transaction history and balance tracking ## Newest reviews (6 of 26) ### 4/5 — Needs Help *2024-09-30, version 25.0.1* The app has recently been updated and not all of the features are working properly. I can’t use Zelle to request a payment like I used to before. I also can’t see pending transactions like before and the balance doesn’t reflect properly because of this. Hopefully they get it fixed soon. I don’t use bill pay at all but I use Zelle regularly. ### 5/5 — Update *2021-11-10, version 21.2.70* Unable to install update so therefore it won’t let me use my mobile app ### 4/5 — A few changes and updates needed *2021-07-06, version 20.2.81* This app is helpful. However it has limitations. You’re unable to change your password or do other necessary account management which other bank and finance apps allow. There are also times where the app is not working and there’s no updates or way to figure out what the reason is. It doesn’t show how many digital transfers you have left in a month. Otherwise very helpful and use it all the time ### 5/5 — Since the beginning *2019-03-12, version 18.3.71* I have used this app since the beginning. Yes it has had some quirks but they always are above par and it gets fixed. I have had to uninstall and reinstall app too due to fingerprint bug. But all in all since I travel for a living this app keeps me in touch with my finances from afar in an easy way by click of a button! Love it. Thank you Tapco for over 40 yrs of service! ### 5/5 — Works well *2019-02-15, version 18.3.71* I’ve been using this app for a few years now. They went through an update period a while back where there were some complications, it required calling them and they were able to straighten it out for me on their end. It’s been working great for over 6 months! Great for checking account status and depositing checks from home. (This feature was a bit sensitive in the past, but works great now!) give it a try! ### 4/5 — Work in progress. *2017-12-14, version 17.3.170* Honestly this app is really good for checking your balances and making internal transfers. There are still a lot of things that could be fixed but it’s pretty cool to see a local credit union competing with the big banks! I’ve been a loyal customer and the staff is always willing to help with app issues and general questions. Technology doesn’t happen overnight but these guys are sure trying their best! ## Most critical reviews (10 lowest-rated) ### 1/5 — Terrible *2022-03-18, version 21.2.70* Haven’t been able to actually log into my account for about a year now. I could only click in instant balance. I recently uninstalled and obviously I have to log back in but still don’t work and now can’t even check my instant balance… not to mention all the banks around here are terrible and almost all the atms are down or don’t let you deposit money.. time for a new bank ### 1/5 — Frequently doesn’t work and requires a support call *2021-09-01, version 21.1.30* Frequently refuses my password & requires a support call. Temp password given. Sometimes need to use browser version. Sometimes need delete app and reload. Not very professional. At least for a financial institution. ### 1/5 — Update *2020-09-19, version 20.1.200* A big problem!! My phone is not compatible with the new update. The phone is only two years old!! ### 1/5 — Useless security questions required *2019-01-25, version 18.3.71* The bank made a great choice in using two factor authentication with text message authentication. Then they shot themselves in the foot by also requiring nonstandard security questions. The bank clerk suggested that I write the security questions and answers on a piece of paper and carry it with me. Please give me the choice of turning off the security questions. Horrible customer experience. ### 1/5 — Do not download this app *2017-11-09, version 17.2.56* Every time you log in it asks for your phone number to update your account. Sends you an email that it’s been updated then logs you out! EVERYTIME. There is absolutely no point in downloading this app it doesn’t work! ### 1/5 — Seriously? *2017-10-13, version 17.2.56* So I thought after nearly 30 minutes of going through the same steps over and over again that maybe this app would work. Guess not. Even after finally going through the website to get the “new” mobile banking stuff set up, the app won’t accept my security answers THAT I JUST GAVE THEM. Continues to tell me that the answer I just created isn’t working and then locks me out. Doesn’t go to a different question of the five I made. Same question. Tried multiple variations of case and no idea if that’s the difference. I only have a car loan from you guys. It shouldn’t be this hard to give you money. ### 1/5 — Can not login *2017-09-25, version 17.2.56* Does not work! Even after the update. ### 2/5 — Zelle.. *2025-01-14, version 25.0.1* 1-2 times a month it doesn’t let you send money. It seems to be on the weekends. The update fixed the other issues ### 3/5 — Outdated *2022-04-06, version 21.2.70* Went to setup an external account to make loan payments. The steps for setting it up had coding in it, making it difficult to understand. Once the app is setup, it seems to work fine otherwise. Just very outdated. ### 4/5 — TAPCO CU User *2026-06-07, version 25.3.0* HAPPY! ## Most praised reviews (10 highest-rated) ### 5/5 — One of the best banking apps *2026-06-13, version 25.3.0* I have a lot of bank and credit union apps and the TAPCO app is top notch especially for a local credit union and one that isn’t a super big credit union (looking at you dated tech BECU). It seems like more features and improvements keep getting added and you can easily get a hold of someone via message if needed. ### 5/5 — Love it *2026-01-24, version 25.2.0* It’s fast & easy to use. Best banking credit union ### 5/5 — Excellence *2026-01-23, version 25.2.0* I would recommend TAPCO to friends and family. The service is excellent. TAPCO focuses on services important to all customers. They provide safe and secure banking anywhere. ### 5/5 — 1 T.C.U *2025-06-23, version 25.1.0* TAPCO CREDIT UNION IS GOT TO BE THE BEST #1 THEY GO ABOVE AND BEYOND IN ORDER TO HELP ME WITH ANYTHING I NEED , THERE LIKE FAMILY! I MOST DEFINITELY WONT GO ANYWHERE ELSE, AND AM SURE NOONE CAN COMPARE TO THE HIGHEST STANDARD S THEY HAVE SET😃 KEEP UP THE GREAT WORK TAPCO!! ### 5/5 — Distance Banking *2025-05-22, version 25.1.0* I live several hours away from any Tapco facility so mobile banking is essential for my needs. TAPCO’s App fits that need nicely. ### 5/5 — TAPCO *2025-01-01, version 25.0.1* Excellent customer service and great bank. Thank you so so much. ### 5/5 — New App *2024-09-24, version 25.0.1* The app is very user friendly and provides many features that are helpful for banking. ### 5/5 — Not beta supported, but good *2023-03-08, version 22.2.80* There’s not much fluff to the app and I like that. The only thing that is not working and is inconsistent is Face ID when trying to get into my account. Edit: Application needs DARK MODE!!!! Also application is broken with iOS 16.4 beta. Application needs to be updated a tad bit more regularly. Currently can not access app due to crashing. ### 5/5 — Annoying app *2022-05-31, version 21.3.40* This app isn’t user friendly at all… ### 5/5 — Very simple and straight forward *2021-11-19, version 21.2.70* There’s not much fluff to the app and I like that. The only thing that is not working and is inconsistent is Face ID when trying to get into my account. Edit: Application needs DARK MODE!!!!! --- *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 2026-09-02.*