# Trax Credit Union — user reviews > 24 indexed App Store user reviews of Trax Credit Union by Railroad And industrial Federal Credit Union Inc., rated 2.91/5 from 46 ratings. - Source: https://appshunter.io/ios/app/trax-credit-union/id655770951/reviews - App overview in markdown: https://appshunter.io/ios/app/trax-credit-union/id655770951.md - Rating breakdown: 5★ 17 · 4★ 3 · 3★ 2 · 2★ 7 · 1★ 17 ## Newest reviews (4 of 24) ### 2/5 — RICU problem *2020-05-26, version 4.6.14* Not able to do mobile deposit. Even with latest update the app gets as far as the photo of check then allows you to deposit, but gets stuck right there. My really old app worked better than this. I tried 2 different ios devices. No luck. Then tried android device...same thing??? ### 2/5 — Too slow *2020-02-20, version 4.5.3* Its a good app shows all my info but its just really slow when pulling up all my info even when loading the main screen ### 2/5 — Tired of having account disabled. *2018-08-24, version 4.1.15* Need to fix the log in screen. If you make a mistake and have put your password in you are screwed. Why have an “x” if you can’t use it. This app really needs more updates. Better yet go back to the other version of the app! ### 2/5 — Update ruined bill pay *2018-05-10, version 4.0.23* I like the app after the update except for bill pay. The due date is the day a bill is due... not two days later. No matter if I choose a due date two weeks from now, the send date is two days after the “due date”. First x that and you have a good app. ## Most critical reviews (10 lowest-rated) ### 1/5 — none needed *2025-02-28, version 5.3.42* trash ### 1/5 — trash *2024-11-01* not really efficient ### 1/5 — Worst customer service *2024-06-06, version 5.3.22* Worst customer service ### 1/5 — Dear trax *2023-05-07* This bihh trash my card keep lockin ### 1/5 — Can't make mobile deposit *2022-07-25, version 5.1.3* The app would not allow me to make a simple deposit of a check, which is the main reason I downloaded app. I don't expect them to be up to par with major banking apps like Chase but a simple mobile deposit should be possible. ### 1/5 — Horrible ! *2021-08-03, version 4.9.44* This app is by far horrible. Everyday I have to create a new password to view my account and thats annoying. I never get notified about any kind of account activity when my card is being used or swiped weather by me or not, this app is horrible and could use a lot of fixing and updating ### 1/5 — Not the best *2021-05-18, version 4.9.34* The app is very glitchy and has a lot of bugs, the app should be able to let you know you’re account number without having to go on the website. I reset my password online and now the app nor website lets me log in the app and website needs new changes. ### 1/5 — No Deposit *2018-06-04, version 4.1.3* The sign in seems to be hit and miss but the mobile deposit never works. It allows me to take images of check but then doesn’t allow selection of account to deposit into and actually submit the deposit. Terrible. ### 1/5 — Never have I hated a bank app so much *2018-05-16, version 4.0.23* Every update breaks something, the most recent update broke billpay. Can’t wait to find a different competent bank. ### 1/5 — The recent update won’t work on my iPhone. *2018-03-11, version 2.4.6* I have to do an email registration EVERY time I open the app. It will not save my device. I called customer support and I was as told this is a known issue. Please fix this issue. It was running perfectly prior to the recent update. ## Most praised reviews (10 highest-rated) ### 5/5 — Bill pay fixed! *2018-05-22, version 4.1.3* The app is very good but the programmers need to make sure all the features are working first. The bill pay now works on the App. Alleleujah! ### 5/5 — Railroad industrial FCU app *2015-10-07, version 1.9.42* Downloaded the updated app. Using IOS 9.2 Will not load......can't use app at all..... OK, today 10/7/15 it is now working fine... ### 5/5 — Great Service *2015-07-25, version 1.9.42* Great Service They Break Everything Down To You 😁😁😁 ### 5/5 — Convenient *2015-05-28, version 1.9.36* I really love railroad and industrial federal credit union for my banking but I only spent part of my time in Tampa. This app really helps me stay up-to-date with my banking on the go! I especially love the mobile check deposit feature. From the comfort of my own home I can deposit a check into my account in less than 60 seconds, saving me a trip to the branch! ### 4/5 — No Mobile Deposits *2021-10-30, version 4.9.53* It’s good other than I don’t have the mobile deposit option which I’m not sure why. Other than that it’s works good I just hate that they now have changed their name to “TRAXCU” I just hope they customer service stays how it’s been since I’ve been with them for 9yrs. ### 4/5 — Get with the times... *2015-12-22, version 2.0.18* The app works just fine and it is fast so that's always a big plus. I just wish RIFCU would get with the times and make things more convenient. I should be able to transfer money to another persons account anytime I want without having to call them and I can't even use the option of taking a picture of my paycheck because they put a hold on it. I have a Suncoast account also and they have all of those features. RIFCU, you should be more like Suncoast!! ### 3/5 — Slow loading speed *2026-01-28, version 5.4.9* This trax app always loads suuuuuper slow compared to my other 2 banking apps… other than that im more than happy ### 3/5 — Update needed *2019-07-09, version 4.2.14* I love the app, I just wish I didn’t have to go to the website to check my visa credit card balance. It would be perfect if they could fix that in the app. ### 3/5 — Check deposit doesn't work *2013-09-22, version 1.3.0* Love the updated app and would have everything I need if the image check deposit part would just work. I called the bank and they said in set up and to just log in an out until it works but it still doesn't work. I have been waiting for this feature forever and even thought about switching banks to be able to take pictures and deposit without making a trip to the bank. ### 2/5 — Need a better app *2025-11-14, version 5.4.1* They always have to do maintenance during regular business hours when you actually need your card or login to the app. --- *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 2026-06-09.*