Reviews of Synergy FCU

By: Synergy Federal Credit Union

List of user reviews and ratings for Synergy FCU

Total ratings

4.50 (Rating count: 518)

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Review summary

User reviews are overwhelmingly negative about the Synergy FCU iOS app after the update. The most frequent complaints are removal of Zelle, inability to add external accounts or transfer funds, and ongoing login and stability issues. Reviewers also criticize the redesigned app for reduced functionality and worse UI, plus problems viewing transactions and reviews (cards) that cause crashes. Many call for restoring the old app or delivering a robust fix that reinstates transfers, Zelle, reliable login, and clear transaction visibility.

Pros

No clear positives consistently mentioned in reviews.

Cons

Zelle removal: no Zelle payments in the app.
Inability to add external accounts or transfer funds to other institutions.
Login/authentication issues and instability (e.g., cannot stay logged in; update breaks login).
Major usability downgrade: new app lacks features and has worse UI/UX than the old app.
Inability to view or review transactions: transactions list not displaying; cards view causes app to close.

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User Reviews

Recent rating average: 1.60

All time rating average: 4.50

Upgrade to see all 19 reviews

79% (15)

Date	Author	Comment
2026-04-03	Av*****	When you open to review your “cards” at the bottom it closes the app. When I try to review my purchases in the “card” section at the top where my accounts are listed it doesn’t show my transactions. How are we supposed to review this section to ensure there is no fraudulent activity?
When you open to review your “cards” at the bottom it closes the app. When I try to review my purchases in the “card” section at the top where my accounts are listed it doesn’t show my transactions. How are we supposed to review this section to ensure there is no fraudulent activity?
2025-07-08	da*****	What happened to synergy! This thing is bad straight garbage!!!!
What happened to synergy! This thing is bad straight garbage!!!!
2025-04-04	Na*****	App never maintains login credentials. Users also can’t make a payment to an account using an external bank account. Please fix these issues.
App never maintains login credentials. Users also can’t make a payment to an account using an external bank account. Please fix these issues.
2025-01-20	jh*****	This app is HORRIBLE, it never works I’m getting ready to close this account because I can never use this app
This app is HORRIBLE, it never works I’m getting ready to close this account because I can never use this app
2024-10-15	Mi*****	Got in with Synergy FCU about 3 months before this major overhaul in the mobile app and it has been horrendous. There was no longer the ability to schedule auto payments for my loan. Yes the auto payments I had setup came to a stop. I had to walk into the bank monthly to make a payment for nearly 6 months. Then they had to send me a link to setup auto payment. There is still no way to edit or cancel this via the mobile app. It's been over a year. I can't add an external institution to transfer funds. I can't send Zelle payments to my other banks. Once I'm done with my loan here I will never return. In this day and age, mobile banking is important and they blew it The old interface was so much better.
Got in with Synergy FCU about 3 months before this major overhaul in the mobile app and it has been horrendous. There was no longer the ability to schedule auto payments for my loan. Yes the auto payments I had setup came to a stop. I had to walk into the bank monthly to make a payment for nearly 6 months. Then they had to send me a link to setup auto payment. There is still no way to edit or cancel this via the mobile app. It's been over a year. I can't add an external institution to transfer funds. I can't send Zelle payments to my other banks. Once I'm done with my loan here I will never return. In this day and age, mobile banking is important and they blew it The old interface was so much better.
2024-06-25	Co*****	With the old app I was able to transfer funds to a different account. I am unable to transfer with this app. As a result I have to drive 20 miles to my bank. 6/22/24 updated my app and it stopped working-again
With the old app I was able to transfer funds to a different account. I am unable to transfer with this app. As a result I have to drive 20 miles to my bank. 6/22/24 updated my app and it stopped working-again
2024-02-10	Sn*****	This app is the worst. Here it is the weekend and can’t get into the app. Changed my password and nothing still can’t get in. Oh and did I forget CANT CALL ANYONE FOR HELP BECAUSE ITS CLOSED SAT AND SUN. This is ridiculous. Bring the old app back. Security Service FCU here I come
This app is the worst. Here it is the weekend and can’t get into the app. Changed my password and nothing still can’t get in. Oh and did I forget CANT CALL ANYONE FOR HELP BECAUSE ITS CLOSED SAT AND SUN. This is ridiculous. Bring the old app back. Security Service FCU here I come
2023-10-02	Te*****	Almost back to useable like it was before.
Almost back to useable like it was before.
2023-10-01	Sk*****	Destroyed the perfectly good user interface with this. You need to fire the devs and the management that pushed this through. Major downgrade. A CU with no branches CANNOT limit its users by the app in any manner. You owe it to your members to provide a substantive app with great flexibility. Get it!? You don’t have branches therefore you MUST have a working app.
Destroyed the perfectly good user interface with this. You need to fire the devs and the management that pushed this through. Major downgrade. A CU with no branches CANNOT limit its users by the app in any manner. You owe it to your members to provide a substantive app with great flexibility. Get it!? You don’t have branches therefore you MUST have a working app.
2023-08-28	Te*****	Not easy to make a deposit due to unstable camera.
Not easy to make a deposit due to unstable camera.