PenFed Mobile

I use the app often and previously found it quick and easy. I now find that the app often freezes and in most cases requires removal and reinstalling. Secondly, the app is limited in one important feature. Specifically, it should support searches for specific transactions. Sometimes, particularly while traveling access to a computer and the full version is limited so one must rely on the app to review account details. Lastly, the remaining and available balance can be confusing. I know it is intended to show the difference based on pending transactions but some of those are days apart or made by others on the account.

App is terrible, constantly freezes and closes, 99% of the time I have to log in on their website to do anything. This whole company is really behind in banking technology. I really hate to leave this review but I don’t want anyone else suckered into this bank. I had a small loan with them for credit building purposes because I heard they were such a great bank. Every month I log in to try to pay my bill & every month my external account does not show up. I end up having to pay over the phone & they will charge enormous late fees. My payment was $10 and I was charged a $40 late fee! Every month I’m told to try again linking my account. I try and it won’t let me make payments. I finally spoke with someone yesterday who told me my account “is not eligible” for ach transfers. I.E : I cannot pay my bill. I was trying to pay it off to get away from these people but they literally would not take my money. She told me I had no other option but to mail a paper check. I don’t even have a checkbook! Who uses checks still? I’m convinced they drag this out every month to be able to charge a late fee. It’s really disheartening that this is a bank made for our servicemen and women. I’d hate to think they are taking advantage of others the way they have me but I’m certain I’m not the only one. Stay far, far away from this bank if only to save yourself the aggravation of a bank stuck in the last century.

I've been a customer with PenFed for over two years now. I was impressed with them until most recently, now I'm considering banking somewhere else. It's very unfortunate because I just opened a couple CDs with this bank. I have been unable to deposit checks to my checking or savings account for several weeks now. Every time I select "Deposit" it buffers and then kicks me back to the main menu with the error "You are currently ineligible for this service." No other description or reason why I suddenly can't deposit checks remotely. I sent a message in the app that has apparently gone unnoticed as well. I would try calling but they really haven't been very helpful in the past. The mobile check deposit error is extremely inconvenient because there are no PenFed locations in my area so I'm stuck with checks I can't deposit right now. I also have never had issues with this before now, so I don't know why it's suddenly stopped working. I've updated the app several times and reinstalled it at least twice now. The error persists. A fix would be nice, but I'm losing hope here.

While the new update is more pleasing to the eyes, the functionality is just bad. As a millennial, it’s very important to me to be able to do mobile banking. The only thing you can really do in this app without issue is view account balances and transactions. Everything else, good luck. Sometimes it works, most of the time it doesn’t. When I transfer money from checking to savings, i always get a cannot complete transaction message and to call customer service. When I call they never know what the issue is. Zelle works okay. Mobile deposit doesn’t work. The app overall is very slow. If I want to transfer money I have to do telephone banking… I would expect PenFed being a national brand, they would have much a much better app. While customer service is always nice and friendly, Due to the app alone, PenFed is no longer my main bank. They need to hiring and or invest more in their mobile and web banking.

You could travel without a laptop because the few things you cannot do are the sort of thing you only do when doing some serious bookkeeping with your accounting software. Anyway I take a MacBook Air because other apps have even more restrictions. Even at home I do much of my banking on this app, and not on my desktop. The website is also much improved, although downloading files in CSV format produces one L-O-N-G line for ALL transactions instead of one line for EACH transaction. But that’s the website, not the app. The phone app is great.

While the app donations as it was designed, I have experienced a fluctuation with speed. That being said my only complaint is it would be nice to see transaction times. Right the app shows dates but no times, so for a deposit it doesn’t show when that deposit was made beyond a date. Not many banks do this but would be nice to see. App isn’t bad but it’s not great either, still needs work on design right now it’s kinda basic

Apparently, their system is relatively archaic, as well as clunky. When calling in, they make it difficult to get to a human. And then most of them don’t know for sure how their system works, or why it does or doesn’t allow things. For example, when unable to make a credit card payment from the app as normal (regularly pay off the balance each month), they suggested as a solution that I could call them every month and they could take only the minimum payment ($15) over the phone from my account until the credit card balance ($500+) was eventually paid off?!

First the app still missing dark mode pleases. Second the new icon looks very bad, give us the one before it was darker and look more beautiful and sleek. Last one and most important This update have a big problem, now expose all your information at the tip of the screen, full name, account numbers all is expose and there is no way to hide that like before. This app need to address this over exposing information when we need just to see transactions. Let us hide/unhide like before when we need information on the account anyone can se the screen and get the info en public areas. It feel like is not secure now to open the app anywhere cause your information is always expose.

The app is not useable. After installing it, it’s not working at all and I’m unable to access my account . So how can that be fixed??? It doesn’t deserve a single star but I was forced to give it one to exit out. I don’t know where the 5 stars above came from because The updated app does NOT work at all and I cannot get the old app back. So I have no access to my PFCU account for now. Is there anyone working at PFCU to help with this? If so I couldn’t reach anyone.

I’m glad many of the members frustrations were identified and fixed in the most recent update 5.007, made by the credit union. This shows that our credit union is making efforts continuously to improve the product. I am positive our credit union will innovate and keep up with competition, member services, and seek the best capabilities keeping the members in mind.

If your primary means of banking is on app, look elsewhere. This new version is not dependable. The whole app is very slow as well. There is no Face ID option to sign in. This is now the slowest app I use. By far the worst banking/credit union app. Also their updated on-line banking has similar issues. If you don’t have a branch handy, I would try another credit union. PenFed unfortunately seems to be regressing. Used to be a great place to bank with. Surprising that they have let their online/app get so bad considering that seems to be their primary way of allowing us members to conduct business with them.

The app doesn’t work half the time I guess I just was lucky this time. This new version has a tremendous amount of bugs that need to be fixed starting with your personal information that you don’t have the option to hide at the very top . I rated the app with one star because it doesn’t work majority of the time I have to call and it takes them an hour to get me in going through all the steps to make it work and even then if I try to open it back up later can’t get it to work all over again didn’t have this problem with the old version

The latest PenFed mobile app is a remarkable improvement from its predecessor. It stands out for its ease of navigation and speedy performance. Information is now at your fingertips, organized in a way that makes sense. This app demonstrates a clear understanding of what users need: efficiency and simplicity. Highly recommended for those seeking a hassle-free banking experience.

If you don’t have any issues that require tech support your fine. Otherwise on several occasions when I’ve had problems it’s always been a hassle. Trying to deposit a mobile check for 10 days and the problem is still not solved and there’s no time line for when it might be. The only other solution is to mail them the check but that defeats the purpose of the APP

I’m not sure who approved this, but the redesign of the app is absolutely horrible. The interface is clunky, takes forever to load, and you have to go through so many pointless pages with one option to get to information. You also seem to have moved most of the information out of the app into a webpage. Not even showing the options within the app, you have to open a webpage to get the different options. What is even the point of an app then? Please rethink this plan. It is a 100% downgrade in every way possible.

I have to agree with the person that said this is the worst All of my data has disappeared for using bill pay Customer service was very nice, but had no idea how to fix it and suggested that I uninstall and reinstall surprise surprise that did not work still having the same problem and no one can help me. How is this OK in 2023 a mobile app should be able to open up allow you to make payments view your information and anything else that any other bank allows you to do Penfed, this is not the move. You need to fix this.

I just started banking fully with this institution. I only had a savings account with them for 6 months. Recently I opened a limited checking account. I am unable to connect it to RocketMoney to track my spending using the Plaid platform. Also Dave, Brigit, and other Cash advance apps that I use are unable to connect using Plaid.

When you’re a bank and you hold people’s money, your transfer process NEEDS to work 100% without issue. I login to my account, authenticate with FaceID…try to make a transfer to an external account, yet the app asks for a pin which IS successfully sent and received but then just sits with a blank white page. No way to enter the pin. Unacceptable. The one thing a bank app SHOULD do, the PenFed app fails at miserably. Never trust your money with a bank who won’t give you your money. Would have given 0 stars if I could have. Shameful.

The new release doesn’t show check numbers or photos of paid checks like before (yes, sometimes we write checks and need that info). The font should be larger and/or bolded, or at least adjustable with more contrast; too much space was wasted in making the display “prettier.” Sadly, instead of improving a usable site, the upgrade has taken it backwards. It seems the new developers decided to redesign the interface without canvassing users on features they rely upon.

I don’t have any of the freezing/crashing/not working issues other reviewers have reported, and I’ve been using this app for years with mostly decent experiences. I do wish they’d stop updating it every week because I don’t use any of the new features and updating every freaking week gets tedious.

I’m really frustrated with this app. For months now it doesn’t allow me to pay on the app because the, “Make a Payment” button/tab doesn’t work, which forces me to call them and pay $5.00 extra for them to process my payment because their app doesn’t work. Always looking for more ways to get money from people. I guess that huge interest rate they get from their customers is not enough.

Can’t use Face ID because YOU detected a change that never happened. I’m so sick of your random security practices that are supposed to make my account more secure when there has been 0 fraud attempts and 0 security issues. All your doing is inconveniencing me. And no, that isn’t a compliment to how well your security practices are. How much you annoy me determines if I will remain a customer in a card I barely use. Don’t take pride in security if you lose a customer over how annoying your practices are.

Back-and-forth with PenFed via email for several days and then they stopped responding. Able to see any transactions using the app. noticed this morning that they released an update. I insured that they update was installed actually turned off my phone and restarted and still unable to see any transactions all blank except for my balance. And they’re still not replying to any of my emails this week. Really awful

Please add an option to lock and unlock credit cards. This option is only available from the website but adding it to the app (which really is just a front end interface) would be very useful for customers.

With the latest update to iOS PenFed is decided they're no longer going to update this app and leave it looking like a Third World website with no money to hire someone to update it. Or what is more likely, they just don't care. I contacted customer service over two weeks ago, and they have done nothing, absolutely nothing to make this app anything more than barely functional. And their website is exactly the same story.

Too many updates, and sometimes issues signing in, with a message stating to try again later because there is some error. Unbelievable! I wish I still had Aspirefcu never had issues with them. PenFed took it over. I am currently looking for another bank. They take long pulling out the money from my account after I pay my bills with my checking account.

Definitely not as useful as it used to be. Looks pretty minimalistic now as well. Wish they’d bring the old functionality back. Often have trouble logging into app with correct password …luckily no issue then logging onto full website , but then why have an app?!

I am not able to transfer as need to. I called the main number to Pen Fed, but they were not helpful. I called again and was told to reboot everything. I rebooted everything and reinstalled the app but this did not work. I went to the main branch but they were also not able to help or transfer. I again called the main Pen Fed number and they “submitted an IT ticket” about two weeks ago and I have not heard from them.

The mobile bill pay portion of this app is broken and has been for 8 months (iPhone users). Despite repeated conversations with PFCU, including the executive resolution department, all they they can tell me is that the have reported the issue. It is time to stop reporting and fix it already. Without the bill pay functionality, the app is virtually useless. Bank somewhere else where are valued as a customer.

suppose a new fix doesn’t work I can’t even transfer funds or deposit checks and it’s been four months now with calls each time to the supposed customer service who says oh it’ll be fixed in an hour and of course it’s not. Then they have the nerve to try and charge you for services that you used to get for free because you can’t access them now and they have to do it clearly, I’m switching banks. Hey.

Still have to relaunch app multiple times to Face ID. And it’s slow. The mobile deposit feature works half the time. Last week I gave up and decided to deposit 3 checks into some NFCU account I have. Their app recognized and accepted immediately. Also PFCU’s online system continues to not work with other interfaces, like Quicken. This happened last year and still hasn’t been fixed, making it hard to track expenditures. I’ve finally given up on them (after 24 years of membership - I joined when they were actually in the Pentagon and only available to us who worked there) and am taking my day to day banking to NFCU.

SCAM ALERT PenFed approved me for a refi on a brand new car — they use a paper check process that would not arrive in time for the dealer, who would not wait as the vehicle was in high demand. I went through all the steps to open an account and do the soft pull in advance. Then when I had the car in my possession with the VIN I did the real application. They asked me to select the term, I chose 48 months at 5.54%. Then they emailed me and said the loan to value was $200 more than allowed so I made another payment and resubmitted another payoff letter. Then they approved it but at 84 months at 6.79% and would not change it to the one I had selected. My credit is great. They wasted my time and added a hard pull to my credit report.

In my opinion this was once a great bank. People complain about nonsense like app freezing etc. I care about real services like rates etc. A lot of convenient services are slowly being taken away for more aggressive commercial bank like tactics like Extremely high credit rates etc. I don’t mind a average tech. I’ll take great service over superior technology any day. Penfed rates at one point was almost half commercial banks rates. Now they’re on par.

Some feedback for the devs: 1. Navigation bar icons on the bottom are oversized and pixelated compared to the rest of the UI. 2. App does not respond to the iOS global Text Size settings. 3. App is missing a dark mode feature that corresponds to iOS Dark Mode settings. 4. ATMs and Branch Location needs to be implemented within the app, instead of taking you to a browser link.

Was having the same issues as everyone else - unable to see my current transactions. I deleted the app and reinstalled it, now it works!!!

And another issue - getting a consistent “amounts do not match” message about 50% of the time I try to electronically deposit a check. So….. of no use half the time. I can’t drive 15 miles every time I have to deposit a check. Again, many calls have been made on this issue. Despite being a member for 16 years, I am going to have to find another financial institution.

I had an issue to where my checking pending and posted wasn’t showing up. I deleted the app and reinstalled, and presto it started working.

The newest addition reminds me of how Microsoft just changes just to change with no clear improvements. This latest revision is slow and not as user friendly. It over complicates everything with sub menus that serve no purpose. Please go back to tried and true version. Please don’t be like Microsoft and change just to change.

The app need a Dark Mode feature and Also need a widget after that everything will be perfect. Were in 2024 those feature should be a default for every app. I have other bank accounts and they have what I’m telling.

This app is horrible for anything else other than seeing quick balances. None of the quick action links work. You click it, it opens a page, times out, and kicks you back to the main screen. They now owe me for missing a payment because of this faulty app, and their customer service is pretty much a joke.

I found this app very user friendly! I loved that I could check on my different accounts, see my up to date credit score, and view the other products that are offered at PenFed!

Wow ! I have been having issues for a while even being able to log onto website . I pay by bills on here. This is very inconvienant , when you can get it to download it is so slow! Takes forever and a day to figure out where everything regarding accounts is located . I have 5 accounts with you, this is aggravating! Please fix it!

This app has never been fancy, but it worked. Lately it has gotten slower and more unreliable. It also takes many more steps and delays to do things like deposit a check or transfer funds. It works, but it’s slow and clunky.

This app used to be great. But they did some update that was a downgrade, now every time I try to deposit a check , or Zelle, I need to uninstall and reinstall, as soon as I reinstall, it works perfectly, but if I come back to it the same day , I freezes up again, then I have delete the app and reinstall.

I use my phone 90% of the time for this app. It seems to get worse with each update. It’s not opening or working more often than I’d like. Yesterday was a good example. I could not access it all day

The latest update Version 5.0.04 is really really bad and annoying to explore the app. Why update if you are going to make it worst? A lot of features does not even work properly now. Please get somebody decent to work on your app. Now this days everyone uses the app to manage their bank account, so its very important you don't go cheap on it. Thanks

While the latest version seems to be more modern there are so many glitches and so much waste of space that it is so annoying to use. I wish I didn’t have to use it but I’m stuck! The point is to improve not go backwards. Frustrated!

This app is awful! Have the time it freezes and then you have no way of closing the app once it freezes. Went to the Credit Union and asked why I can’t use the app and the response I got was uninstall and re-install again. Seriously, this is the worse app!

App wont save my user name, app freezes up often and i hate that they removed color differences for withdraws and deposits. It seems like a little thing but it much faster to scan and spot deposits when looking for something specific. I think the app is going backwards.

I have called a few times to explain that this app API isn’t working and each time the phone jockey says “delete and add it again”. I cannot see my checking account transactions but a balance will display. My other linked accounts seem ok. The credit union has very poor technical and customer support.