Gesa Digital Banking

• Free

Last verified 30 Aug 2026

4.7 27805 ratings · App Store

1. 5/5Best Financial Institution Ever!

   In 74 years I’ve only had five different banking relationships. I had my previous relationship for over 30 years. Over time, that financial institution began to go in a direction that was different from what I wanted. I felt it was time for a change and I settled on Gesa as my choice for the future. It now has been over three years since I made the move. I have also moved my business banking account to Gesa as well. To say that I have never been happier is a gross understatement. The staff at Gesa bend over backwards to make sure that they satisfy all of your banking needs. In the three years since our relationship was established,I have referred over a dozen friends and relatives to Gesa. I have never heard anything but praise from them regarding the service that they have received. If it’s time for you to make a change in your banking relationship, I would urge you to put Gesa at the top of your list! Believe me, you won’t be sorry! I certainly wasn’t!!

   Lucky Penny 539 · 30 Aug 2026

2. 1/5Terribly clunky and unreliable

   Easily the worst banking app I have ever used. I couldn’t imagine ever suggesting anyone use gesa as a primary bank considering the state of this app. The UI is clunky and unresponsive, the app runs incredibly slowly, worst of all, it frequently displays incorrect information on credit accounts. As of the most recent update, In order to make a payment on a gesa credit account with funds from your gesa checking account, you must first add your checking account as if it’s an external account from another institution. A cumbersome process to say the least. Making payments on a credit account close to or after the due date results in the app incorrectly displaying “no payment due” until your next closing date. This is effectively a trap to generate late fees on credit accounts which, I have to imagine, is incredibly successful at doing just that. Gesa has been aware of this issue for at least a year and has failed to do anything about it. All in all, gesa is a fine institution with well above average interest rates on their savings accounts, and high approval rates on credit applications. That being said, just my experience using this app has tainted my experience as a gesa member to the point that I wouldn’t recommend this institution for anything other than saving money.

   CDTwentyFive · 30 Aug 2026

3. 3/5Gets the job done, but very clunky

   New in the US, so I’m comparing to banking apps in the UK. So far the experience is very frustrating. - Setting up external account connections is very slow (over a day, when it could be instantaneous). - being able to transfer to other external accounts seems to need the connection setup from both accounts independently, or else the transaction is blocked. - this app lags when you navigate to different sections. - no direct way of adding cards to Apple Wallet. I would recommend taking a look at how apps are setup and how they flow for banks outside the US, it seems to be much better outside the US and I can’t really understand why this should be the case

   svengineer91 · 30 Aug 2026

4. 5/5Horrible service

   I have been a long time member of school employees credit union. We have been through two mergers now and I have NEVER experienced such chaos and trouble with all of my accounts. The technology piece has been delayed and full of glitches, I actually went 4 days without being able to access my money and none of my cards would work. My business account has been affected and I am so tired of sitting on hold waiting for customer service. An entire weeks worth of debit transactions were actually delayed for over two weeks and then without warning showed up in our account with an explanation of “oops”. Bills have been unpaid, transfers have been undone, and new debit cards have been “lost” in the mail. My family and I will be changing credit unions this week. So very sad.

   longtime teacher · 30 Aug 2026

5. 2/5Biometric Signon a Fail

   Our CU merged with Gesa. As all mergers go, there were initial issues to work through, and things go better. For example auto deposits went to the wrong account (had to reconfirm my auto deposit which was a hassle). Notifications for use of debit card was slow, like hours to be sent, but things are more like 15 minutes now. However unacceptable is use of biometric sign-on. Finger and Face ID works the first time, but if I try to use it later, the biometrics don’t work. I have to remove the Gesa app in the background, then biometric sign-on works again. Prior Inspirus didn’t have this issue. Gesa should have the Inspirus IT folks work on the issue. Calls to Gesa results in “sorry we’ve heard about this issue”. The former Inspirus board members should have Gesa fix these issues. The Inspirus app was so much better. The Gesa app is in the dark ages.

   Atombrew · 30 Aug 2026

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