Reviews of UMassFive Mobile Banking

By: UMass Five College Federal Credit Union

List of user reviews and ratings for UMassFive Mobile Banking

Total ratings

4.80 (Rating count: 2,996)

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Review summary

Users praise the app for ease of use and a solid feature set (transfers, card activity, loan payments, and mobile deposits). However, repeated issues with login/authentication, biometric reliability, outages, and performance glitches dominate reviews. Mobile deposit reliability is a common pain point, and some users experience info/configuration loss after updates. Overall, the app is user-friendly when it works, but reliability and biometric/login stability are the top concerns.

Pros

Easy to use with intuitive navigation.
Rich online banking features (transfers, viewing debit card purchase history, loan payments).
Early adoption of mobile check deposits (check-by-phone deposits).
Updates are clearly communicated and improve user-friendliness.
Fast and sleek performance when the app is functioning well.

Cons

Frequent login/authentication problems, including biometrics (Face ID/Touch ID) not working reliably.
Frequent outages and downtime affecting access to accounts.
Performance issues like loading delays, spinning wheels, and occasional crashes.
Mobile check deposit reliability problems (checks not read correctly; some users must visit a branch).
App can forget user info or require repeated password/biometric prompts after updates (reinstallation sometimes needed).

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User Reviews

Recent rating average: 2.30

All time rating average: 4.80

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41% (18)

Date	Author	Comment
2026-01-18	vr*****	I’ve been a UMassFive customer for years and rely on the app! Any update has always been announced with plenty of time for the short service outages and always proves to be more helpful and create more pathways to user-friendliness.
I’ve been a UMassFive customer for years and rely on the app! Any update has always been announced with plenty of time for the short service outages and always proves to be more helpful and create more pathways to user-friendliness.
2025-11-18	SG*****	i have so many problems logging in, paying my bill, accessing my statements. this app never works properly. now i am receiving error messages that my ip is blocked. what a joke.
i have so many problems logging in, paying my bill, accessing my statements. this app never works properly. now i am receiving error messages that my ip is blocked. what a joke.
2025-11-17	da*****	Bank has updated their app from the ground up, removing useful quality of life features like “Instant Balance” preview features you’d expect from other institutions while adding on weird new features that don’t improve experience. Only banking app that wants location data, and iPhone shows it tracking location for hours after use. Really poor design.
Bank has updated their app from the ground up, removing useful quality of life features like “Instant Balance” preview features you’d expect from other institutions while adding on weird new features that don’t improve experience. Only banking app that wants location data, and iPhone shows it tracking location for hours after use. Really poor design.
2025-07-07	Pr*****	No other financial institution’s app that I have used requires you to keep authoring Face ID. This is kind of crazy that you’re required to do that every month or so.
No other financial institution’s app that I have used requires you to keep authoring Face ID. This is kind of crazy that you’re required to do that every month or so.
2024-12-11	14*****	I really enjoy not having access to my $ when the website shuts down without warning. App also does not work when this happens. Seems to happen frequently between midnight and 4am without warning. There is no quick fix or anyone to help since they don’t have 24 hour support. Will be changing banks very soon.
I really enjoy not having access to my $ when the website shuts down without warning. App also does not work when this happens. Seems to happen frequently between midnight and 4am without warning. There is no quick fix or anyone to help since they don’t have 24 hour support. Will be changing banks very soon.
2024-10-26	Fo*****	The app is terrible! When you try to go on my cards in the app you just get the spinning wheel, it never loads or pulls it up. The desktop website is great but the app could definitely use some work.
The app is terrible! When you try to go on my cards in the app you just get the spinning wheel, it never loads or pulls it up. The desktop website is great but the app could definitely use some work.
2024-06-16	Mo*****	I’m often having to drive to deposit my checks because the mobile deposit function can’t read the checks. Never had this problem with other banks.
I’m often having to drive to deposit my checks because the mobile deposit function can’t read the checks. Never had this problem with other banks.
2023-12-29	dc*****	This app works sometimes, but goes through months long periods of not accepting fingerprint login. It is really frustrating.
This app works sometimes, but goes through months long periods of not accepting fingerprint login. It is really frustrating.
2023-12-13	Pa*****	UMass and the app were amazing. Now it seems like the app and online banking are always down. Using my debit card always takes days to process on my account making it incredibly difficult to track if you do many small purchases. At this point, using and old fashioned check book log would be more accurate and reliable than their mobile and online system which is pretty lame. I had been with them for almost a decade but my family and I will be leaving the bank because of how often we can’t even look at our accounts
UMass and the app were amazing. Now it seems like the app and online banking are always down. Using my debit card always takes days to process on my account making it incredibly difficult to track if you do many small purchases. At this point, using and old fashioned check book log would be more accurate and reliable than their mobile and online system which is pretty lame. I had been with them for almost a decade but my family and I will be leaving the bank because of how often we can’t even look at our accounts
2023-09-20	Fi*****	To Matt & the entire UMFCFCU team...thank you for your brilliance, kindness, compassion, patience, and downright constant smiling faces...you make this here (sometime confused) old Irishman feel like the most important person in your day... God Bless you all...you "make my day" every time I visit your wonderful banking institution... Carry on "team"... Sláinte! ☮️✌️🍀🇮🇪😃🦅🌹🦉😇🎵😎❤️🎱🇺🇸
To Matt & the entire UMFCFCU team...thank you for your brilliance, kindness, compassion, patience, and downright constant smiling faces...you make this here (sometime confused) old Irishman feel like the most important person in your day... God Bless you all...you "make my day" every time I visit your wonderful banking institution... Carry on "team"... Sláinte! ☮️✌️🍀🇮🇪😃🦅🌹🦉😇🎵😎❤️🎱🇺🇸