# Tropical Financial CU — user reviews > 79 indexed App Store user reviews of Tropical Financial CU by Tropical Financial Credit Union, rated 4.80/5 from 5,249 ratings. - Source: https://appshunter.io/ios/app/tropical-financial-cu/id443485613/reviews - App overview in markdown: https://appshunter.io/ios/app/tropical-financial-cu/id443485613.md - Rating breakdown: 5★ 4,775 · 4★ 282 · 3★ 78 · 2★ 31 · 1★ 83 ## What do users think of Tropical Financial CU? Overall sentiment: negative **Pros** - 👍 Easy to use - 💡 Convenient mobile banking - 🚀 Fast and responsive - 🔒 Secure banking **Cons** - 🐛 Frequent app crashes - 🐛 Login issues - 🐛 Mobile deposit problems - 🐛 Outdated and buggy app - 🔒 Lack of security features (e.g., no lock option) **Commonly reported bugs** - Unable to log in or access accounts - Mobile deposit not working - App constantly crashing or displaying errors **Most requested features** - Integrate Zelle for external money transfers - Improve mobile deposit functionality - Add more modern banking features (e.g., credit score tracking) ## Newest reviews (14 of 79) ### 3/5 — Unknown Error *2026-06-16, version 2026.0.260200* Eight times out of 10 when I try to log into Bill Pay I get “unknown error” message. This is extremely frustrating! I have emailed for assistance a couple of times with no resolution. ### 3/5 — ZELLE NOT WORKING *2025-11-11, version 2026.0.250900* Update 11/11/2025 now Zelle is magically working, don’t know if there were issues at tfcu because of the massive updates: After about 6 months of not having Zelle working thru TFCU (from Apr 2025 til Oct 2025), now that I have downloaded the new TFCU app on my iphone, the ZELLE tab on the home page, when clicked, just displays a momentary spinning circle, then brings you back to the home page. Yes, I have the new app, yes, I have restarted my iphone, yes, i am running ios 26. VERY FRUSTRATED !!!!!! ### 2/5 — Can’t log in *2025-10-28, version 2026.0.250900* They do a new release and now you can’t log in… doesn’t recognize user name or password… can’t reset following the procedures (says system is down)… can’t get thru for 2 days to call center! WONDERFUL!!! ### 4/5 — Need local branch. *2025-05-19, version 2025.2.2.3* Not a fan of online ONLY banking. Closing branches did not please me ### 1/5 — Garbage app, garbage credit union. *2024-08-23, version 2024.4.0.10* The app never works; it's always down for maintenance or unresponsive. ### 1/5 — Zero ways to transfer money between external accounts *2024-06-06, version 2024.1.0.1* 1) you can’t do anything with this app! Cant even manage the debit card, it makes you download another app just to do that. 2) there’s no way to transfer money between external accounts, i.e. NO ZELLE INTEGRATION! What a joke. If I didn’t have an auto loan with them I’d cancel my membership. It’s like their banking system is stuck back in the 90s 🤡 ### 1/5 — Zero ways to transfer money between external accounts *2024-04-24* 1) you can’t do anything with this app! Cant even manage the debit card, it makes you download another app just to do that. 2) there’s no way to transfer money between external accounts, i.e. NO ZELLE INTEGRATION! What a joke. If I didn’t have an auto loan with them I’d cancel my membership. It’s like they’re banking system is stuck back in the 90s 🤡 ### 2/5 — Upgrade *2024-02-06, version 2023.10.1.4* Ever since they did the upgrade it has been a mess…. Don’t trust them ### 1/5 — Fix Software! *2023-04-16, version 2022.12* This app ALWAYS “updating” when TFCU system is down the banking app is as well. I’m tired of this app not allowing me to login in and if you put your password in wrong 2 times, you’re automatically locked out. Please fix this software it’s a inconvenience to the customers. ### 1/5 — Terrible for service! *2023-02-03, version 2022.9.1.11* This app, tho it can be helpful. It’s terrible! I’m trying to see why I got 7 emails saying my account is at risk, but then offer no way to contact someone directly! “The call back” USELESS! No help there either! If u don’t have to use this horrible app?? DONT! ### 1/5 — Mobile deposit *2022-11-09, version 2022.6.0.1* This function hasn’t been working and I reached out for help with no response ### 2/5 — Camera 👎 *2022-10-18, version 2022.6.0.1* The camera function for depositing checks has stopped working. Nothing by a blurry image on iPhone 14 Pro. Useless! ### 3/5 — Deposit feature not working *2022-10-14, version 2021.11.0.59* The camera doesn’t open up to take a photo of the check ### 3/5 — Has not been updated *2022-10-08, version 2021.11.0.59* App hasn’t been updated in 9 month. Deposit camera doesn’t work anymore. Tried nailing my deposit to Miami. Came back k undeliverable. What up with TFCU? ## Most critical reviews (10 lowest-rated) ### 1/5 — Horrible *2026-08-22, version 2027.0.260701* I been trying to pay my car payment. They make it everything difficult in the app and always charged me late fee. ### 1/5 — I can’t pay loans *2026-01-17, version 2026.0.250900* If I could put 0 stars I would. If this app doesn’t have any haters I’m dead. This app has unlinked my external account. Linking it silently failed the first time. On the second time it gave me an error and literally told me to call “(xxx)-xxx-xxxx”. How does this make it to prod? Even Claude code would vibe code a better app. ### 1/5 — App *2025-11-28, version 2026.0.250900* I don’t know why you guys changed the app it’s so hard to use now. And the website isn’t any better. I’m having major issues and it is the same as the app no useful information ### 1/5 — ZELLE NOT WORKING *2025-11-09* After about 6 months of not having Zelle working thru TFCU (from Apr 2025 til Oct 2025), now that I have downloaded the new TFCU app on my iphone, the ZELLE tab on the home page, when clicked, just displays a momentary spinning circle, then brings you back to the home page. Yes, I have the new app, yes, I have restarted my iphone, yes, i am running ios 26. VERY FRUSTRATED !!!!!! ### 1/5 — No clue why this has 5 stars *2025-10-23, version 2026.0.250900* The app constantly does now allow me to log in, way too frequent. Go to another bank, run for the hills. ### 1/5 — New update out all my shared accounts *2025-10-23, version 2026.0.250900* Thanks for creating more work for me… ### 1/5 — Horrible *2025-10-21, version 2026.0.250900* Unable to sign in. Does not recognize my user id nor password ### 1/5 — Can’t Deposit Check *2025-09-03, version 2025.5.0.1* When I try to do a mobile deposit the app displays a white screen and I’m unable to take a picture of my check. My phone and its camera work fine. The app does not. ### 1/5 — Tropical *2025-02-24, version 2024.10.1.10* Not a good credit union they don’t really work with you. ### 1/5 — Keep getting an error *2024-10-15, version 2024.4.0.10* I’ve been getting this error all day Sorry We are updating our system. Try accessing this site later. ## Most praised reviews (10 highest-rated) ### 5/5 — This is more than a bank it’s a family and I appreciate having them as my financial institution.. *2025-01-16, version 2024.10.1.10* One of The Best Banking institution! ### 5/5 — This is more than a bank it’s a family and I appreciate having them as my financial institution.. *2024-01-06* I For ### 5/5 — Mobile deposit *2023-10-12, version 2023.3.0.1* My mobile deposit was not accepted it says poor image. I looked at the image and it is clear This has happened before. I have to repeatedly redo the deposit. I think the system that evaluates the photo needs to be reviewed. Something has changed. I never had this issue until the last few months. ### 5/5 — Super friendly App ! *2023-10-07, version 2023.3.0.1* Easy to use ### 5/5 — Very Upset! *2023-04-18, version 2022.12* This update is very frustrating! We now have everyone’s bank information, that we are linked with, in our pocket branch, and they have ours. There is no privacy and your linked account can now be transferred in and out of, by other than account holder. I found out, you can hide the linked accounts, but then cannot transfer into, unless you unhide. ### 5/5 — Happy Banker *2023-01-26, version 2022.9.1.11* The TFCU app makes every day banking a breeze,and paying bills thru the app even easier 👍 ### 5/5 — Long time customer! *2022-10-07, version 2021.11.0.59* I have been been banking with tropical since 1989!! No matter where I go, and where I live, Tropical will always be my bank! ### 5/5 — Customer since 1972 *2022-05-17, version 2021.11.0.59* Loans, daily banking, cars and all my banking needs have always been at Tropical ### 5/5 — Stressless *2022-04-21, version 2021.11.0.59* The app is easy to use and I can get all of my information without any stress. ### 5/5 — This is more than a bank it’s a family and I appreciate having them as my financial institution.. *2021-12-24, version 2021.11.0.59* I For --- *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 2026-09-01.*