# Texas Bay CU — user reviews > 90 indexed App Store user reviews of Texas Bay CU by Texas Bay Credit Union, rated 4.78/5 from 10,007 ratings. - Source: https://appshunter.io/ios/app/texas-bay-cu/id1510581787/reviews - App overview in markdown: https://appshunter.io/ios/app/texas-bay-cu/id1510581787.md - Rating breakdown: 5★ 7,743 · 4★ 465 · 3★ 151 · 2★ 67 · 1★ 212 ## What do users think of Texas Bay CU? Overall sentiment: neutral **Pros** - 👍 User-friendly interface - 🚀 Quick and easy transactions - 🔒 Secure login process - 💡 Useful features like card controls - 👍 Excellent customer service **Cons** - 🐛 Slow and buggy app performance - 🔒 Frequent security checks causing inconvenience - 🔋 High battery consumption - 👎 Complicated payment process **Commonly reported bugs** - Login issues and account lockouts - Billing information disappearing after updates - Unreliable bill pay feature **Most requested features** - Ability to manage credit cards within the app - Option to save login credentials - Improved app responsiveness and load times - Restore previous app functionality ## Newest reviews (11 of 90) ### 2/5 — Updating the app *2026-07-14, version 25.2* This app needs to be updated it’s very slow to respond. Cash amounts, switching from account to account. Please fix this issue ### 4/5 — Pretty good *2026-05-04, version 25.2* Pretty good and useful app, but has fairly frequent issues and downtime. When it works it’s perfect, though. ### 3/5 — Hard to deposit check *2026-04-06, version 23.1.3* When taking a picture of the check it’s upside down and you have maneuver and position it just right. Very hard to do ### 2/5 — Loan tracking history *2025-09-16, version 23.1.3* You can only track the last 30 days using this app which is very inconvenient. ### 1/5 — App difficulty *2025-09-05, version 23.1.3* This app or company is the worst to make payments through, there’s so many loops you have to go through that’s so unnecessary you’d think if they wanted more customers they’d make it a more seamless experience to make payments and keep track of loans. ### 1/5 — App *2025-08-27, version 23.1.3* Why does the app come up in Spanish ? I don’t need in Spanish I can only write in English. English please ### 3/5 — High interest *2025-07-20, version 23.1.3* User friendly is limited ### 1/5 — Worst app *2025-06-23* This is actually the worst most confusing app ever. There is way too many buttons to do one thing. I just want to pay my car bill. I guess there’s a share savings account? So it pulled money out of account and added it to there instead of my car bill. Now I’m stuck paying a late fee???? So dumb. This app is so confusing. Just needs a big pay bill button. ### 1/5 — Delay in deposits *2025-05-30, version 23.1.3* Takes too much to deposit the electronic check but not so much on the new charges,conveniently for the bank to charge overdraft fees. ### 3/5 — Deposits are hard *2025-04-24, version 23.1.3* It seems to be very hard to do mobile deposits. And there is no notification if it is not accepted. It is very frustrating. ### 2/5 — Annoying *2025-04-07, version 23.1.3* Ad loans slow the. pops up and pushes everything down the screen. Meaning you press the wrong thing often. Dumb. ## Most critical reviews (10 lowest-rated) ### 1/5 — Over draft *2026-08-28, version 25.2* I opted out for overdraft and get my at $0 allow places to take funds that are not in the account and essentially make my account negative. Even after I called to verify and asked for it not to happen again now I’m suffering with a $29 penalty for insufficient funds. ### 1/5 — Interface *2026-08-26, version 25.2* Doesn’t feel like a mobile app ### 1/5 — terrible experience *2026-08-03, version 25.2* I can’t even pay the loan on my car because this app is so poorly optimised. and it has been for years. ### 1/5 — Service *2026-07-30, version 25.2* It takes to long to do transfers ### 1/5 — Horrible *2026-06-17, version 25.2* Do not bank here. ### 1/5 — Review *2026-05-07* I don’t like how the app has changed to where you can’t click on the credit card and see what has went through and the amount that is on card and it was easier to make payments from the app from my different bank but can’t seem to do that any more. Not sure why they changed it,I look at it like this if it’s not broke don’t fix it . I loved the old app I don’t like the changed app at all. ### 1/5 — Garbage *2026-04-29, version 23.1.3* App does not work. Ever. ### 1/5 — Frustrating *2026-04-18, version 23.1.3* The worst. Absolute worst. ### 1/5 — Worst App to Ever Exist *2026-03-11, version 23.1.3* Good luck doing anything on this trash app that literally crashes more than the customers they have on file. ### 1/5 — 👎🏽 *2026-03-07* The worst banking app it loads very, very, very slow. It crashes all the time too many buttons. You also have to sometimes exit out of the app and go back into it just to be able to see your card number information which keep in mind you can only view your card information for 60 seconds. The app is horrible. There's times where it glitched out when I was trying to turn my car back on, which is very embarrassing sitting at a register. And I'm speaking on the app. Only the bank itself is even worse. ## Most praised reviews (10 highest-rated) ### 5/5 — Great experience *2026-05-25, version 25.2* There’s no complaining about TBC being so awesome. ### 5/5 — Jason *2026-05-23, version 25.2* I started banking with Texas bay about 2 months ago and so far they have been the best and easiest banking experience I found my bank. ### 5/5 — Credit card *2026-05-21* I can’t see my credit card statements on the app, it’s a bummer to have to go to the safari to have to access the information. ### 5/5 — Easy Banking *2026-05-18, version 25.2* Texas Bay makes banking easy! Loans, transfers, customer service, all of which is just “easy”! Thanks Texas Bay! ### 5/5 — New member *2026-03-23* I’ve been with them about a month now and I have zero complaints. They very informative, mobile deposits are easy, minimum holds on large deposits. More importantly, ATM always work ### 5/5 — Me encanta *2026-03-04, version 23.1.3* Lo mejor ### 5/5 — Awesome enhancements *2025-12-16, version 23.1.3* Very excited that TBACU has modernized and brought in mobile check depositing. ### 5/5 — Greatest Credit Union Ever *2025-12-06, version 23.1.3* I love TEXAS BAY!!! Them cashback rewards hit different when you not expecting back!! The card security is the best had down! ### 5/5 — Transfer *2025-02-21, version 23.1.3* Very quick service ### 5/5 — Best service *2024-12-02, version 23.1.3* Great bank! --- *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 2026-09-09.*