PenFed Mobile Reviews

PenFed Mobile Reviews

Published by on 2021-04-17

Wherever you go, take PenFed with you! The PenFed Mobile banking app provides
around-the-clock access to your PenFed accounts. You can review activity and
balances, get transaction details, transfer balances, track loan application
status, pay bills and much more! Deposit checks quickly...

Table of Contents:
1. Reviews
2. Is it Safe?
3. Is it Legit?
4. App not working?
5. Report Issue

PenFed Mobile Reviews

  • By

    Worst bank and app I have had yet!

    I was a member of a local credit union that was taken over by another and then taken over by PenFed. PenFed’s online banking and app pale in comparison. They take forever to show your pending charges or to have things clear. It gets very confusing and has caused me to incur several fees from forgetting about charges that show up days later. I understand it is my responsibility to track my spending, but I haven’t had to in such a long time due to technology allowing me to know my true balance immediately after using my debit card. As the bank for our military, they should have the most up to date technology as it is available. They also seem to process things in a way that maximizes the number of fees the customer will be charged. I am in the process of switching all of my accounts to a different bank and cannot wait to have the hassle of writing down every single charge and bill payment be a thing of the past! Get with the times PenFed and update your online presence and processing times!

  • By

    Need Lock/Unlock feature for the Bank Card

    I have been with PenFed for three years and the app has come a long way. The made me proud when they gave you access to do bill pay on the app. I was extremely happy when the app finally allowed face recognition for log in. It was such a hassle to go through that extremely long log in process. But now, they need to catch up with the times on security. They need to make it so you can lock and unlock your card from the app. It would be so much more secure and worry free if we could do that. If they do that, then we can get petty and request the penny savings that take the change from your purchases and put it in your savings account. I know, that’s asking for a lot. Thanks for reading.

  • By

    Recent upgrade = terrible mobile deposit experience

    I've been using this app for years with no issue, no complaints. The recent upgrade, however, resulted in a horrible mobile deposit experience. Developers note: the camera takes sooooo long to take and save the picture of the check. And when in full screen mode is almost impossible to scroll up/down without touching the image (no white space on the outside) so I ended up in the picture viewer so many times unintentionally. Guess what? You can't exit picture mode without taking a picture. If you do, it will dump the picture you've previously saved. I ended up taking the same picture (note I mentioned it takes way too long to take and save) like 10 times before I was able to move on. Please fix. I loved this app before.

  • By

    PenFed’s app changed the way I bank

    I was with the CEEFCU for years and made the trip to the local branch to do my banking. When PenFed took over their banking, I went to the federal building downtown thinking about closing out my accounts due to the distance. There was another client there who did just that. I decided to try the app. It had some bad reviews at the time. That was a few years back. I had one check I couldn’t deposit several years ago and I had to mail it in. I haven’t had any more issues since. And I haven’t been back to the Federal building in years. I’m glad I tried the app! It changed the way I bank.

  • It’s ok, could be better

    Like the new layout and functionality. I don’t like that the balance after each transaction was removed from the transaction history and you can only see your balance at the top. I like to see it after each transaction like it was in the old version. Easier to find discrepancies that way and track your money. Also, the time late night maintenance takes can be inconvenient. It’s usually the time I have to check my account and I can’t get into to for hours. I was also recently double charged for every transaction I made one week and made my account go to overdraft! Not my fault, but I was charged for it. The money was put back into my account, but not the overdraft charge.

  • By

    I see everything , but can’t complete transactions!

    I find this pen-fed app very frustrating!! I use it on my I-phone. It’s very hit or miss (mostly miss) & takes up way to much time! I pay bills at other sites all the time from this phone & NEVER encounter these issues 😡 When I try to transfer money to pay a credit card bill, I’m either told that; 1. I’m not connected to wi-fi 2. the server is not available or can’t connect to it, 3. my credit card info is not accessible at this time. This happens whether I try to transfer money between my pen-fed accounts or from an outside bank account. Pppaleease...All I want to do is make payments. A couple weeks ago, I had to give up & go to the actual credit union. I told the teller that I kept getting told that my account could not be connected to the server. She said something like, “That’s odd, I’m not aware that there’s been any problem” She completed the transaction for me easy-peasy. I would be so grateful if your team would fix this problem. PFCU credit union(although it was named differently) has always been good to us, from the beginning. My husband & I 1st became members as soldiers stationed at Ft. Hood Army Base in 1989.

  • By

    Account details are lacking

    It’s a pretty app and the interface is nice. The real problem for me is I have a loan with PenFed and the app (and their full website) are seriously lacking in details about my account. I really appreciated other banking apps that show you on the loan details page not only how much your last payment amounts were but how they were allocated (interest vs principal) as well as your total loan balance including interest. The PenFed app and website only show you your principal amount unless I’m being completely blind and can’t find it. I feel this is very basic information that should be on the account info page. I hope PenFed starts adding these, and more, details soon!

  • By

    Best Credit Union ever but the App and the APP support folks need training

    I have been using this APP since they first started and must say for a credit union you rock. The APP needs work and so does the service support for the APP. First the upgraded version for the IPad is not as good as the last version, one of the best option I used was the search and it is not available in this version. When I sent an email in to support I was told they never had that option in the APP, well that person has no clue or I have been in dream land because I used it every time I logged on. The current APP is ok but the earlier version was better, please put in the search back!

  • By

    The redesign is bad.

    This new redesign is bad. It’s not optimized for iPhone X, there’s a lot of unused real estate making the look seem very distorted and annoying. I do not know how this passed QA. The developers also released a fully updated app with no option for Face ID? Really? Touch ID? I don’t have a sensor. Lastly, my problem with their application is they don’t accept special characters in passwords that come first. For example if you your password is $Passw0rd, the application won’t recognize it because of the character in the front. It works on the website but not on the app. That’s insecure and not great at all. I contacted them about it and they said they would look into it and it’s fine... I don’t know what PCI would say about that... Optimize this to look better on iPhone X, use a better font, and you’ll get maybe 4 stars.

  • By

    mostly useless. still have to use the website.

    So they claim the app was better, so I figured I’d give it another whirl. That was a mistake. In using it for only a couple of minutes, there are glaring omissions and errors such that I can’t trust the output. 1). No ability to see statements, only what it considers “recent”. Was trying to see what made up the current balance on a cc. Can’t do it with the app. 2) Some Pending transfers don’t show up in the app. Had to go to the web to make sure the transfers to pay the ccs were still there since the app didn’t show them. 3). In my certificates, dividends and the balance shows up with a negative sign in front. All this in a couple of minutes. Do the app developers believe in qa?

  • By


    Summaries are easy to understand and use. For banking transactions however, it takes some practice to use correctly. Items such as credit card current balance and amount due for next payment is not intuitive. It take several steps. One must select account, then choose the amount one wants to pay to ascertain next payment due. It is not displayed side by side in the summary. For $ transfer:Typing in amount for transfer must be entered with out using decimal point. Once learned, it is easy to use on iPad. Usable, but common sense improvements should be made.

  • By

    New Level of Awesomeness

    Update has seriously improved this app! App has been freshened up and looks really clean now. Two of my priorities for this app have just been implemented, Touch ID for ease of logging in and PenFed's Bill Pay. Now I can see at a glance which bills I've scheduled for payment, I can see the bill payment history, I can see my list of billing receipients and set up new billers, I can change or delete scheduled bill payments. Basically everything that I could only do on the website, I can now do in the mobile app. Thanx PenFed!

  • By

    Great Bank, Horrible App

    PenFed has a lot of work to do on this App. 90% of the time I cannot get past the login page because it tells me there is a system malfunction. It does not hold up to the mantra they espouse, “around-the-clock access.” It doesn’t matter what time zone I’m in, I have the same problem. PenFed’s solution was to uninstall and then reinstall the App, this along with a couple of changes to my phone worked for a couple days, but has had no longer-term impact. Do PenFed employees not use the App? If they did, this would change quickly. Throw in fingerprint ID log-in while your at it. There is nothing more frustrating than typing in a 12 digit password only to be denied 90% of the time.

  • By

    Very difficult to use

    I have been using the app for years now and while it was originally user friendly, in the past year or so it is very difficult to deposit checks. “Unknown error has occurred” is the message I get constantly when either signing in or when trying to deposit the check after the photos are taken. I eventually am able to deposit after literally clicking repeatedly for 30 minutes. I only bank by app and dread depositing my checks every 2 weeks, hate to go back to banking by mail but the app is a real time waster and a pain in the tookus. I have tried reinstalling the app for updates etc and every trick on the internet (not my phone- happened with my old phone too), to no avail. Not a happy camper.

  • By

    Deposit function broken, lots of bugs

    Depositing checks used to be a quick easy task with this app. For more than three months it has been a very frustrating experience. It now takes at least 30 min to successfully deposit a check using the app. I take a picture, it loses the picture. I try to enter the deposit amount and I get logged out. And each action comes with a three second lag. Take a photo of the front of the check, wait three seconds, and then you’ll see that the photo is available to use. I actually forgot how difficult it was the last two times (when I switched a different banking app to make my deposits to a different bank) and tried again today. Same problems. No bueno.

A better way to Contact apps

You can now contact PenFed Mobile customer service directly
via Email using our new site -

Contact PenFed Mobile directly

Is PenFed Mobile Safe?

Yes. PenFed Mobile is quiet safe to use but use with caution. This is based on our NLP (Natural language processing) analysis of over 6,332 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.2/5 . Justuseapp Safety Score for PenFed Mobile Is 20.3/100.

Is PenFed Mobile Legit?

Yes. PenFed Mobile is legit, but not 100% legit to us. This conclusion was arrived at by running over 6,332 PenFed Mobile User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for PenFed Mobile Is 20.3/100.

Is PenFed Mobile not working?

PenFed Mobile works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.

Have a Problem with PenFed Mobile? Report Issue

Leave a comment:

Why should I report an Issue with PenFed Mobile?

  1. Pulling issues faced by users like you is a good way to draw attention of PenFed Mobile to your problem using the strength of crowds.
  2. We have developed a system that will try to get in touch with a company once an issue is reported and with lots of issues reported, companies will definitely listen.
  3. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
  4. If you are a PenFed Mobile customer and are running into a problem, Justuseapp might not be the fastest and most effective way for you to solve the problem but at least you can warn others off using PenFed Mobile.

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