Cobalt Mobile Banking

I mean talk about an upgrade. If there was a vote for best banking app in America Cobalt Credit Union will be getting every single vote in the United States of America including myself. The attention to detail is impeccable, the color way of the app is stunning, and my God the ability to see how much money is in my account without having to full open the app is artificially noble. -Blessings, Akech Kuot Ngor Akech Akol

New app is clean looking and so user friendly! I really like how easy it is to move money and get my credit score.

Every time there is an update or something, the app clears out my saved password settings. It’s so frustrating to have to call and do the video chat to get it reset every single time. No other app has this issue.

Thanks Robin for having great people at the Bellevue Branch.

Since the update, I am now unable to log in. I went and changed my credentials on the website and got all of it reset. Still nothing on app. Come on, this is the simple stuff.

Never once have I experienced a bad situation with employees they are VERY VERY PROFESSIONAL

Good

Considering changing banks because 3/5 days of the week my app is usually down. How is this app this bad?

I feel like I login to a mobile game every time I use the app it feels slow and unprofessional

Doesn’t work

I try to update the app and it takes me to the App Store but there is no where to update so I choose open and it takes me right back to the screen to update on my original app so I am on a continuous loop. I selected help but the choices do not cover this problem

I like having access to our account at any moment but I find the app and even the website limiting. This website reminds me of online banking when it was first available. I can’t see our visa card account unless I log in. Never on the app. None of the information is transferred to the app. Currently I haven’t figured out how to see beyond the 1st page of activity on the credit card. I need to look up an old transaction but we couldn’t figure out how to get to draw up the statements or old activity even though there were tabs for such. There’s a glitch in the system. Our mortgage which is from the credit union is noting the amount due in our active checking as pending up to 6 days before due date. This is annoying and very disconcerting. I’ve asked and looked we can not find how to turn this off. Like I’ve said it nice to have banking at a hand’s reach but this online banking needs to be improved. I’m comparing to other credit union systems and commercial banking websites/apps.

It's pretty obvious that the people at Sac who ordered this application didn't know what to ask for, and that the third party developers they used likely got paid way more than the app is worth. Functionality wise it's almost identical to the previous app, lacking features a standard banking app should have. The interface design is simplistic and boxy, and reminds me of Windows in the 90s. I was excited to see a new app coming, but if you've used any app from any other bank, you will be completely disappointed. This paralleled and "upgrade" on the website that is clunky and amateur as well. Coupled with a lack of personal service, such as video tellers, and a company direction lately that makes Sac feel more like a soulless corporate bank in stead of a friendly local business, I'm done Sac. You have a bunch of fools running your ship now.

Several years ago I previously used the standalone Card Manager app offered thru Cobalt. Alerted me every card transaction, great app, worked flawlessly. Later support for that app ceased as Cobalt offered what looked like their own rebrand of the Card Manager app. Worked great, no problems. About a year ago the standalone app was no longer supported as the card transaction notification functionality was rolled into the Cobalt main banking app. Never could get the card use notifications to work. Reset all settings, installed all phone updates over the past year, restarted phone countless times, went to a branch location and had them verify settings. Never could get card use notifications working, gave up on it, and I work in IT. Now, 8/1/23, card use notifications start working again out of the blue. Not sure why, don’t really care at this point, just glad the function finally works again. 🤞

I have banked with Cobalt for years, back when it was called Sac. Since the change to Cobalt, the app has been a nightmare to use. Today I was promoted to update because there’s a new version but when I go to the App Store I cannot get the update to start. So, I deleted the app and downloaded again but NOTHING. The app doesn’t recognize my log in - half the time. I know my log in is accurate because I can gain access through the website. They kick you out after so many days, even though you’re prompted to log in, claiming they do it for security reasons. It’s such a hassle to use this app. If it wasn’t for the website, I’d be out of luck trying to get access to my accounts.

App is very buggy. Today I can’t even open the app, it just closes out immediately. Very inconvenient when I need to check balances or transfer money between accounts. When it works, it’s fine, but most of the time the app crashes or just doesn’t open at all.

I really wish this app had a running balance. All you can see is your balance at this moment in time. Sometimes I want to know what it was a week ago, two weeks ago, three weeks ago, a month ago. I have to log onto the bank’s website in order to see that. This would be a simple thing to do, I believe. If I remember correctly, years ago that’s how it was.

Without Touch ID or passcode access I still rarely use the app. When I do try to copy/paste in my password it most of the time does not work. So it is still faster to use the mobile web browser and fumble around the site than it is to use the app.

I was reading most of the reviews and noticing the majority were negative, I realized many were several years old. It made me realize SAC/Cobalt, must not be reading these or they would do something to improve their site. This is one of the most annoying banking sites I've ever used. I plan on closing my accounts soon. I have to have a reliable bank. Most people use their online banking more than going to a branch and most banks realize this. Why aren't they doing something about this? It seems to me, their customers really aren't that important after all.

Check scan reader failing several times saying can’t read checks! Unavailable access too many times, too many problem pop ups! You don’t offer external account transfers on your app or you need a separate app or not available online to send a non member a payment. Too many fees racking up, too many changes all at once. I like the few features you have but catch up on trending features, more security and simplifying

The latest update seems really nice right off the bat! Very simple and straightforward interface and now has the option to deposit checks through the app. Haven't tried that out yet but I'm looking forward to it! That's one thing I've really been wanting from SAC.

Touch ID is pointless if the app keeps making you call to reset the password and without a 24/7 customer service number to assist with password resets it makes banking very difficult during non banking hours, which is when most people have time to check their accounts. This is sloppy attention to detail on the app developers part and should have been throughly tested before going live in the app. Cobalt/SAC is severely behind in common technology banking conveniences when compared to other credit unions. Very disappointing.

As others have said, it was exciting to see a new app was coming out. And, the app is better but it's missing features that other banks have had for a while now - Touch ID, check deposit, etc. it would be nice to know if that is planned for next update. On a related note, not the best plan to roll out new web site and wipe out your existing mobile capability before your new app was available. Poor planning!

Every time I open the app, it tells me “There is a new version of the application available. Please click Update Now to obtain the new version.” I click update now and it send me to the app store where it says “open” but not “update”. Deleted multiple times, still not working. 1 star, the app is useless right now. 3 stars normally, the app layout is clunky and i cant pay my credit card that goes through cobalt credit union on my cobalt credit union app. Seems stupid.

I was quite excited to see that SAC was going to be updating their app. I'm disappointed, however. While this app is an improvement over their last version, its missing several features that I've been spoiled into expecting by other financial institutions; features such as touch ID login, check deposit, etc. I really hope that SAC adds these features in the future.

So we now have mobile deposit, Touch ID sign in, and a nice user friendly layout at last. Thanks guys!!! I was a huge hater of this app but not now. I’m so glad I don’t have to go to the bank anymore to deposit my checks!

The application is basically unusable. Someone decided to go with a minimalist theme, but that did not work in execution. The problems I’ve had are too numerous to count. I much preferred the previous edition (actually, the one before that). The interface is difficult to navigate, the ability to see past paid bills (a huge problem for me) is just gone. Account transfers are not very easy. I’d advise tossing this version in the bin and starting over.

The people at the bank are alright and fine. But this app is terrible. It’s down for “repairs” or “maintenance” almost every time I open it. In the last 2 weeks I’ve opened this app about 5 times a day to try and check my balance and I’ve only been able to actually check it whenever the actual bank is open not whenever I want or on my time. Worst banking app I’ve ever seen.

The app used to be pretty solid, does exactly what a banking app should. But after the last update it crashes CONSTANTLY. I log in and it crashes right away. I don’t get notifications for my purchases any more either. I keep waiting for an update that will fix this but there hasn’t been one. Super disappointed. There’s literally no point in having a banking app if it’s unusable.

I’ve been banking with cobalt for over 8 years now and this app is literally unusable. It never functions properly, gives me timeout errors all the time, not logging in properly EVER! tells me that there’s an error with connection to the bank but the moment I try again it works perfectly fine? I’ve been trying to log onto my bank account for 3 days and I’ve resorted to going back online through web browser over this app

This is the worst app ever created,so much so that I am thinking about deleting permanently and moving on with another credit union or bank. This app constantly won’t let you sign in and apparently nobody seems to want to fix it. In today’s world,this is totally unacceptable. Will say I have another app from a different credit union and in 5 years not once has it not worked…

After updating to the new app and using for weeks, when I log on it now tells me there is an updated version. I already have it!! So I clicked the update version, because there is not other option or cancel button. That takes me to the App Store, and the current app with only an open option. So I click that and the circle begins again!!

Love having the convenience of checking on my account. My only wish is that it would alert me anytime I make a purchase. I also would like to be able to make my credit card payment without having to call.

Thank you very much cobalt credit union for making a very reliable, and very accessible app for those with disabilities. Please keep it up! :-)

I think the initial roll out is good. However, I would like to see more functionality like Touch ID, Remote Deposit etc. The app is WAY better than it used to be and so far it is working with with me! I also like the new web app and mobile capability 👌🏽

This bank is everything we were looking for and more... from customer service, to customer satisfaction plus more...

Being from Vegas, my job and my sleep schedule revolves around being a “night owl.” This banking app doesn’t seem to like it in the slightest as almost always when I want to look at my balance, I can’t log-in as it’s unable to “validate my credentials.” In the morning, usually, it’ll be fixed and suddenly I can log-in. This happens way too often and each time I call for support, it’s just a “yeah our systems are down. Try again in a little.” Super poor performance when even the immediate balance but then is not available. Wouldn’t recommend this app or the bank in the slightest.

So far this is great this will help me keep track when ppl use my card

This app was fine when I first got it. Now that they have modernized it and made it more user-friendly, my transactions don’t show up for a few days. They say to keep track of what you’re spending, but that’s not my job when there is literally an app that is supposed to do that. This app has costed me money and if you’re a fellow college student, I would not recommend it.

I used this app for years and now it just keeps giving me error messages about technical difficulties, hasn’t worked in 3 days now and I’ve uninstalled and reinstalled 5 times. I really would like to easily check my transactions but now I have to call and wait for 15-20 minutes to do so. Thanks

The app won’t ever let me log in overnight. I work nights so I’m always checking my bank account for different things because that’s when I’m awake. But the app never wants to let me log in. Nowadays there shouldn’t be any issues with apps. The occasional update over night, fine but this isn’t that at all. It’s super annoying and makes me contemplate switching banks lately.

Everytime i try and open the app it crashes immediately and hasnt been letting me use it for about 3 weeks now which is such a big inconvenience. this app has slowly just been getting worse and it doesnt even work now, makes me want to switch banking institutions.

I love the details wish I could make external transfers

Auto Loan was done through this bank and I can’t even pay online with an external account. They only allow payments from other accounts that you have with them. And now with iOS 11 I can’t even paste my password from my password manager into the field to sign in.

App is absolute trash, need to build another one from the ground up. Online mobile banking also needs a polished look and credit card payments need to be integrated to the same app/website as well. Horrendous

The card manager app was better. I stopped getting notifications for transactions when card manager stopped working even though I have setting to alert me to all transactions

when it opens it’s fine, but a majority of the time the app won’t even let you log in and stays stuck on the same screen

I use a password manager. Not only does this not have password manager integration, but it disables the ability to paste into the password field. It would be as bad if it supported Touch ID. However, it is extremely inconvenient to the point that I avoid using the app.

1. I switched to Cobalt because my husband had. Ever since… fraud. Everywhere (I had NFCU since I was a child.) 2. Limited ability to do anything in the app. 3. App updates only send you in circle. “Click this link to update app” “nope. Not that way”

When logging in on my mobile app with my login information, I am told that my login information is incorrect. In other words I have to use my laptop to officially sign into my account which doesn’t make sense. Please fix this app!