# The Summit FCU — user reviews > 79 indexed App Store user reviews of The Summit FCU by The Summit Federal Credit Union, rated 4.80/5 from 5,407 ratings. - Source: https://appshunter.io/ios/app/the-summit-fcu/id477457367/reviews - App overview in markdown: https://appshunter.io/ios/app/the-summit-fcu/id477457367.md - Rating breakdown: 5★ 4,722 · 4★ 439 · 3★ 104 · 2★ 34 · 1★ 108 ## What do users think of The Summit FCU? Overall sentiment: negative **Pros** - 👍 Ease of use - 🚀 Convenient mobile banking - 💡 Helpful features like mobile check deposit - 🔒 Secure app - 💡 Useful for managing finances on the go **Cons** - 🐛 Recurring app issues and bugs - 🐛 Mobile check deposit not working - 🐛 Unreliable account balance updates - 🐛 Frequent app crashes and freezes - 🐛 Difficulty unlocking/locking debit cards **Commonly reported bugs** - Check deposit feature broken after iOS updates - Quick balance not working with new iOS - App freezing and not loading properly - Debit card locking/unlocking issues - Inconsistent account balance display **Most requested features** - Add credit report section - Improve mapping and branch locator - Provide easy access to account numbers - Add more transfer and payment options - Enhance app aesthetics and user interface ## Newest reviews (10 of 79) ### 4/5 — Access *2026-05-12, version 2025.10.01.5* Would love to have the fingerprint option for signing in ### 2/5 — Forms issue *2026-03-10, version 2025.10.01.5* I had issues twice now where I filled out a form on this app, got an email confirmation that I filled out the form and then they claim they never got it. The email even had a link to view the from I filled out and get a copy. I don’t understand how they never get it then. ### 2/5 — Old way was much better *2025-11-28, version 2025.07.03* I cannot find checks that have been cashed or bills that have been paid. Before, right on the first page, was a list of all transactions and it was so easy I DO NOT like the new form at all ### 2/5 — Completely different from what you see. *2025-11-28, version 2025.07.03* Don’t know why, but 5 Star decided to change appearance removing the sectional organizing leaving accounts listed top to bottom. Fonts are light on while background. What I’m saying is what you see is not what you will have to work with. Love Summit, just find new changes in appearance more cumbersome. Still trying to find my way to access VISA account data. ### 2/5 — Liked the old version better *2025-10-22, version 2025.07.03* I am not fond of the new bills/pay tab. I liked the old se up better. It was easier to navigate. ### 4/5 — Even more issues *2024-12-12, version 2024.10.1.10* Dec 2024, not only does quick balance not work with the new iOS, but the ability to turn card on/off is broken as I was not able to turn it back on when I needed it last night ### 4/5 — Quick Balance not working new IOS update *2024-12-04* The quick balance function seems to be busted and is not working anymore ever since Apple's latest update, there is no Summit FCU widget to set to my lock screen so I can quickly check my balance. December 2024 ### 2/5 — Not great *2024-07-24, version 2024.4.0.10* Minimal features. Wire transfers to other institutions, finding helpful support, accessing customer service is slow and cumbersome, or not even possible through the app. ### 2/5 — Making a deposit *2023-11-15, version 2023.3.0.1* It tells me to rotate phone to take a picture, it actually takes me 6-10 minutes for it to rotate correctly! Very aggravating. ### 5/5 — Deposit *2022-11-28, version 2022.6.0.1* I haven’t been able to deposit a check on my app for months. It’s the only thing I use the app for and now it doesn’t work. Even with a system update. So frusty ## Most critical reviews (10 lowest-rated) ### 1/5 — App glitches *2026-06-16, version 2025.10.01.5* Whenever I go to unlock my card it doesn’t unlock. Sometimes it takes about 20-40 mins of me trying to unlock my debit card before it actually toggles over to unlock which happens to me almost everyday. ### 1/5 — App update *2025-09-21, version 2025.7.2.1* The app was fantastic before this new update. It is awful now. It doesn’t load. Death spiral every time I have tried in the last 6 days. Tried in WiFi tried in cellular. I have also tried to shut down my phone and boot back up, same outcome. Please fix it! ### 1/5 — Nothing but problems *2025-09-12, version 2025.5.0.1* Absolutely terrible the app never works. It keeps my card locked overnight. I can’t unlock it. Just a lot of problems with this bank. ### 1/5 — The app is a waste of time *2025-09-11, version 2025.5.0.1* My card is stuck locked. I’m forced to leave my car and walk. No emergency phone line. ### 1/5 — inconvenienced at its finest. *2023-12-05, version 2023.3.0.1* Every other day there is a bug, and I can’t access my information. Now I have turned my card off because it’s misplaced & for some odd reason the app won’t let me turn my card to active. How ironic it can’t be because the app is always messing up could it. MINOR inconvenience. I have no access to MY OWN money. ### 1/5 — Love summit not this app *2023-06-07, version 2023.3.0.1* I’ve been with summit for a long time and I live by the app to manage my $$$. On fridays the app shuts down, I have to write down everything I spend. Then days later charges that were there disappear then re appears to make you go negative when you already thought it was accounted for!! This app needs to be fix then summit will be 100 % the best!!!!! ### 1/5 — Check deposit broken *2022-12-10, version 2022.6.0.1* As others have said, I can no longer deposit a check properly using the app. I try to take a picture, and the app freezes and won’t take the image. Everything is up to date. ### 1/5 — Latest version doesn’t know when I change camera orientation *2022-12-06, version 2022.6.0.1* I needed to deposit a check into my account to cover a purchase and the app tells me to rotate my camera. Well I rotate the camera every which way possible but the app doesn’t recognize any change at all. So n ### 1/5 — Mobile check deposit is broken *2022-12-03, version 2022.6.0.1* 2022.06.001 version no longer allows the iPhone 13 Pro camera to focus so you can do a mobile check deposit. Very frustrating!!! ### 1/5 — Fix the check deposit *2022-11-21, version 2022.6.0.1* This app was great until the method for check depositing was changed. Now it won’t open to the camera unless your device rotates sideways, but doing so doesn’t fix anything. Please fix this issue ## Most praised reviews (10 highest-rated) ### 5/5 — Great app *2026-08-07, version 2026.4.2.1* Very happy ### 5/5 — Very good customer service *2026-07-22, version 2025.10.01.5* From in person visits to the app, always responsive and just works. ### 5/5 — SFC App *2026-06-09, version 2025.10.01.5* Love it. ### 5/5 — Review *2025-03-16, version 2024.10.1.10* I’m very happy with the service first rate ### 5/5 — Ease of use *2024-10-23, version 2024.4.0.10* This app has all the functions as being on the desktop. Easy to maneuver around very well laid out. ### 5/5 — App *2024-09-06, version 2024.4.0.10* Excellent i love it 😉 ### 5/5 — My new favorite savings account *2023-08-04, version 2023.3.0.1* This app is great. I use it to track my round-up savings! ### 5/5 — RoundUp *2023-08-04, version 2023.3.0.1* I am on this app tracking my finances daily. I especially love watching my RoundUp savings grow. ### 5/5 — Just perfect *2023-08-02, version 2023.3.0.1* It's a barebones app that Enables you to check your finances. Its easy to read, free of promotions and cash back nonsense and m consistently works! ### 5/5 — Good Bank! *2023-02-27, version 2022.9.2.1* I’ve been banking with Summit since my company started our direct deposit. I’ve never had any trouble with them and when I’ve made a mistake they’ve always help me figure it out. Now that I’ve retired I’m staying with them. --- *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 2026-09-04.*