Every once in a while I’ll go through the process of logging in and then the app stays on the loading screen indefinitely, which means that there are lapses of when I have access to my money. However, When I call the bank to get something done, someone answers the phone and then proceeds to help me. USAA used to do that but hasn’t lately which is the reason I am switching my direct deposit to Equity. USAA is no longer trustworthy. They should be shut down. I’m a USAF veteran and I approve this message.

My review is simple, I love the bank, it’s far superior to the other local or big branch banks in my town, it beats out Cherokee Strip Credit Union, and RCB by far because I know my money is safe, I have plenty of options when it comes to credit building, checking and savings accounts and such. Where things go south for me however is the banking app, much like other banking apps I’ve previously had this one is just the same, it crashes frequently, constantly asks for me to input my password when I’ve repeatedly setup my Face ID, and it shows the incorrect balance in all my accounts. The One saving grace about the app is it allows me to check my credit score and its interface is smooth and easy to follow. All in all, I will stay with equity bank for the foreseeable future, I just wish the app worked better.

This app, I am not joking, takes a MINIMUM of 5 full minutes to open the details of any account once you log into the app. It may sound like a small problem, and it may sound like an only-me problem; however, do not be mistaken, this app makes my life miserable and I’d honestly rather pay more fees or something at another bank than deal with this much longer. My mom, who also uses Equity bank, has the same issue, and I guarantee if you’re reading this, you will too. …Honestly, close your eyes and imagine if every time you needed to know anything about your bank account, you had to cancel your plans for the rest of the week because that’s how long it takes the app to load. Now ask yourself, are you happy in this envisioning of your life?? If not, you’re lucky it’s just an envisioning and not real; bank somewhere else until they invest a little bit more in their app devs. Godspeed my friends.

Earlier this year when I finally decided to download the app it worked phenomenally. However, by August this wasn’t the case and the app quickly declined. My IPhone is always up to date and I know app programming is not the easiest for a company that is just now adding online banking. With all that being said, I’m giving it this rating because I have contacted support 5 times, alerted the bank personally and still have the same issues with the app. I can no longer log into my account and refresh, it automatically kicks me out. I don’t know what more to do other than to say please make sure your apps work properly. While advertising it was a grand idea, I don’t think it’s professional to maintain that when your product doesn’t work.