Update: MidWestOne no longer works if you are using a VPN for privacy. I will have to cancel my accounts with them and very upset. I had to tap my screen 15 times before it finally took a photo for deposit. I honestly was going to give up. Face ID no longer works. Now I have to enter my password, which I was forced to change to something I now have to look up where I wrote it down. New password had to be 10 characters, had to be some of these but can’t be this. Frustrating. Such a poor update that this might force me to change institutions since 100% banking is online now.

This app was fine for a while, but then they changed the whole app for the dramatically worse. It used to be smooth, responsive, and it actually looked like it was made to be a phone app. Now it looks and acts like a very slow webpage. Many buttons were replaced with links that are difficult to hit the first time and even if you do get it the first time, it either takes a couple seconds to register or you have to tap it again. In addition, the most recent update(s) has caused me to be signed out every time I close the app even though “remember me” is checked, and when I do sign in it loads for a second then immediately kicks me out for “inactivity” and I have to sign in again. The update also somehow managed to break the mobile deposit feature, so now there is only a button for taking a picture of the back of the check. It won’t let you deposit the check since you need to submit a picture of the front of the check, but the option to do that no longer exists. Kind of ironic that this update broke the mobile deposit feature, since the update notes proudly state that the mobile deposit experience is better than ever. Sure. Please go back to the old version of the app, or at the very least just fix the growing list of broken features.

I have gone through MidWestOne since first starting opening a checking account as a teen. Throughout the years, the app has progressively gotten less user friendly. Before the update changing the logo, I had zero issues with the app and it worked great! Recently I was affected by the issue causing the timeout error, but it was fixed in the last patch sent out!(Awesome!) My main and only concern with the app currently is the quick access bar at the bottom (Accounts/Transfers/Deposits/Profile) will not load after clicking on it. After selecting an option on the bottom other than the main accounts screen, it will send me to a blank screen where the option I chose should be but isn’t, causing me to have to completely close out the app and resign back in (along with the security feature) to even get back to the original accounts screen. I can occasionally get the profile screen to load up, but am completely unable to do transfers and deposits. Hope this gets fixed soon!

I’ve never had to give a review to a bank before, but this one takes the cake. I’ll spare you the endless heartaches of dealing with this financial institution, but just imagine every annoyance and mistake a bank can make, and then you’ll know what I’ve been through with this operation...multiple times on a consistent basis. Who knew that internal transfers take DAYS! Want to lose money, just deposit a check and they’ll deduct it from your savings account! Want to lose more money? Do nothing and they’ll just take your money and give it to someone else without any prompting. But it’s ok, sometimes they’ll give you someone else’s money without prompting, so it all evens out in the end...right? Want to be embarrassed, just use their debit card at the store, it’s guaranteed to be declined despite having plenty of funds in your account. Basically, if you hate money and love to lose it and have it managed poorly for you, then this bank is for you! Plus, if you have any problems, they always have the right solution, “Sorry sir, we don’t know how to fix this.” It’s ok, I don’t like money, so we’re all good.Now the app...garbage. Choppy, lags, the new feature are confusing, clicks lead to blank pages, lagging clicks means over clicking, but some clicks require two clicks, super confusing and annoying. Can’t transfer funds in the app, or so I thought, because I make a transfer on the app but it never shows up as transferred, so I transfer again, but then it finally catches up and it shows that I transferred funds twice. Cool man, really cool, thanks. Go to a new bank, trust me.