# USF Credit Union Mobile — user reviews > 65 indexed App Store user reviews of USF Credit Union Mobile by USF Federal Credit Union, rated 4.80/5 from 4,418 ratings. - Source: https://appshunter.io/ios/app/usf-credit-union-mobile/id883668718/reviews - App overview in markdown: https://appshunter.io/ios/app/usf-credit-union-mobile/id883668718.md - Rating breakdown: 5★ 3,912 · 4★ 377 · 3★ 57 · 2★ 20 · 1★ 52 ## What do users think of USF Credit Union Mobile? Overall sentiment: mixed **Pros** - 👍 Easy to navigate - 🚀 Seamless money transfers - 💡 Useful budgeting and saving features - 👍 Sleek and modern UI design - 🚀 Fast mobile check deposits **Cons** - 🐛 Frequent app crashes and login issues - ⏱️ Slow app performance and loading times - 🔒 Security concerns with account access - 🤔 Confusing layout and poor UX - 🚫 Missing key features like Zelle **Commonly reported bugs** - Mobile deposit not working - Accounts not syncing properly - Repeated log-outs and login issues - Incorrect account balance display **Most requested features** - Add Zelle integration - Improve mobile deposit functionality - Provide more detailed error messages - Restore previous app's login/account features - Optimize app performance and stability ## Newest reviews (12 of 65) ### 2/5 — Zelle doesn’t work *2025-07-22, version 4016.2.2* My Zelle doesn’t work in the app and never has. Whenever I ask the workers they have no clue how to help me. Being that Zelle is only available in the banking app, I can never use it because no one knows how to help. ### 2/5 — No Zelle *2022-10-02, version 4002.1.2* I should of kept them as just as savings account. Probably the worst bank ever. Had issues with them with an auto loan back in 2013 and here it is 2022 and my phone number is disabled from Zelle because they can’t keep there promise date of joining the Zelle app within there own bank app. Just Terrible! ### 4/5 — Zelle *2022-10-01, version 4002.1.2* Kicked off the zelle app bc zelle is now on USF FCU app. When I go to USF FCU app, zelle is not on there ### 2/5 — App can be frustrating *2022-05-15, version 3023.4.0* Constantly logs me off to enter credentials although I have Face ID set up. If you hit reset password, you should have option of entering social or member ID. Shouldn’t require both. Add security questions. It’s a pain when you have to contact member services to unlock the account because many people don’t memorize their member number. ### 2/5 — Buggy *2022-04-28, version 3022.1.2* Trying to pay my bill by adding an external checking account. I input all my info and it constnty gives errors. I try to add an account via signing in and it still gives errors. Yes I know my account info, I’m pulling directly from my banking app (the app the actually works…). Pretty annoying. ### 3/5 — Finally better than the previous app. *2020-09-25, version 3014.1.1* Works better after initial problems with the new app. Notifications still do not provide full details, (IP address, browser name & version, operating system) which would allow users to more readily identify hacks. Login delay can be tediously long. Error messages could be more descriptive and helpful. ### 5/5 — USF Credit Union App is AWESOME!!! *2020-08-14, version 3013.1.0* I find that USF credit union to beAwesome. It is very convenient and very user-friendly. ### 5/5 — Great app no problems *2020-08-13, version 3013.1.0* I love the app but I love this credit union. I switched here from a big bank and everything’s going amazing. With they would get Zelle but other than that no complaints ### 5/5 — Super convenient *2020-08-13, version 3013.1.0* I really like the app ### 5/5 — Great app *2020-08-13, version 3013.1.0* Great app ### 5/5 — amazing app *2020-08-13, version 3013.1.0* seriously the best banking apps o easy to make transfers and track your purchases ### 5/5 — Love at First Swipe *2020-08-12, version 3013.1.0* I have enjoyed using the app and it is very reliable. Works anywhere I am in the planet as long as there’s internet. ## Most critical reviews (10 lowest-rated) ### 1/5 — Cannot copy my information for direct pay *2025-12-31, version 4019.0.3* Not sure why the ACH & Account number do not work for my checking for direct pay. Whats the point of an online banking app if it is incorrect information and does not work? Now I have to call. ### 1/5 — Card blocking *2025-09-03, version 4016.2.2* God forbid you block your card temporarily you’ll never be able to unblock it smh ### 1/5 — CS at their location on Fletcher is very helpful but I have 1 star cause of their security. *2025-08-29, version 4016.2.2* Current or about to be students please don’t use this bank, my account got Hacked, police came to my door to give a delayed payment in a credit card?? then it was a problem to update my personal info over the phone CS is really bad ### 1/5 — Slow and clunky *2025-06-05, version 4016.2.2* This app barely works half the time. Nothing makes sense when trying to find something. For example, the area where you update your address is not easy at all to find. Even when you get bad address fees there is no prompting on where to go. I’ll be keeping my money elsewhere. ### 1/5 — Unable to sign in/cant access zelle *2024-07-21, version 4013.2.0* For the last 4 weeks I can enter credentials, and do all the steps to sign in and then it crashes when it should should be showing me my account information to access zelle. Cant access zelle from website. Having a lot of trouble with this app! ### 1/5 — Login *2024-07-19, version 4013.2.0* This app would be a 5 star realistically if USF hadn’t just updated the disclosure agreement forcefully stonewalling me from getting logged in. I had to reinstall the app. Of course afterwards I need a hillarious amount of info in order to retrieve my login credentials. By the time I do I’m locked out and I can’t resolve the issue until the next morning. AMAZING what if I had been in an unfortunate situation where I needed to move money or make sure I didn’t over draft. Nothing infuriates me more than being locked out from my own money. Thanks USF ### 1/5 — App is only as good as the company behind it *2023-12-07, version 4010.2.1* If you’re only doing minimal financial tasks then the app is fine. Unfortunately this financial institution lives in the stone ages and makes doing anything like paying loans off early impossible. Find something better. ### 1/5 — Zelle *2022-10-03, version 4002.1.2* They’ve been talking about zelle coming to the app for over a month. Now that we physically cannot use zelle anymore because zelle assumes our bank offers us the function, they’re completely quiet. No zelle feature and you can’t get on the app either because of them. People’s lives depend on being able to send money and now we can’t because they didn’t plan their feature access accordingly. Thanks ### 1/5 — Snapshot *2020-01-11, version 3011.1* I do not want the snapshot turned on. With this new update, it is on and I can’t figure out how to turn it off. ### 1/5 — Update broke everything *2019-10-15, version 3010.2* Put off updating for a long time, finally got around to it and can’t even login anymore. I see the login ‘button’ depress each click but nothing happens. Cool. Not like it’s an important app I need for everyday life.... oh... wait... yeah it is. ## Most praised reviews (10 highest-rated) ### 5/5 — Love it *2024-05-23, version 4012.3.0* Love how easy it is to navigate ### 5/5 — Thank you *2023-08-24, version 4008.1.0* I want to say thank you for all your help ### 5/5 — Best FinTech Available *2023-07-07, version 4008.1.0* The USF FCU mobile banking app is the best financial technology app I have. I can open accounts, apply for loans, transfer money, send money to other financial institutions (with Zelle, too), setup recurring payments or transfers, search transactions, send and receive messages, chat (during business hours), deposit checks … other financial apps require you to login to the full site or visit a branch to do most of that activity. The interface is fast, seamless and intuitive, 5 stars. ### 5/5 — Mobile App *2023-02-09, version 4002.1.2* Thank you for always available to help!! ### 5/5 — The app works great. This is very important to me because because theUSF FCU *2021-11-10, version 3020.1.1* To me because there are not many locations. 😅 ### 5/5 — this is usually great and easy to use but... *2021-02-27, version 3016.1.0* I’ve been using this for about a year and a half now and it’s been great. But recently, I don’t know if I’m the only one but it has been taking FOREVER to open. *UPDATE* I realized that it wasn’t opening because I had an app shortcut. Once I went to the App Library and opened it up it was fine. great app! ### 5/5 — Never write reviews. *2020-11-27, version 3015.1.0* Great Credit Union. Honestly. ### 5/5 — Excellent service!!! *2020-11-24, version 3015.1.0* I just opened an account recently and the bank tellers were extremely nice. I had trouble setting up the mobile app and I went to the bank and they helped me solve the problem. Great service!! ### 5/5 — Best bank ever *2020-10-01, version 3014.1.1* Got to be one of the best banks ### 5/5 — Excelent service *2020-09-29, version 3014.1.1* The service I get is excellent --- *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 2026-09-05.*