Apple Federal Credit Union alternatives

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

1. [R1] Apple Federal Credit Union 1/5 · US Too Many Faults: For 2 weeks it has been failing a lot! It doesn’t open the application and I’ve already had to uninstall it several times. This is unfortunate. 06/20/2026
2. [R12] Apple Federal Credit Union 1/5 · US Crashing nonstop: Keeps singing me out and not saving log in info. This app is garbage ! It crashes every 5 MINUTES! FIX THE APP
3. [R30] Apple Federal Credit Union 1/5 · US Crashes when depositing: I can not deposit without this app crashing multiple times when i deposit checks…
4. [R3] Apple Federal Credit Union 3/5 · US Review about the App: It is a little slow and take a couple refreshes so work correctly but over all not bad but could use some work to run smoothly
5. [R4] Apple Federal Credit Union 1/5 · US Awful: I’d rather roll naked through a pile of broken glass than have to use this app. My god. Half the time it doesn’t load and the other half you go into the wrong area because nothing is where it should be. I’ve used Key bank for most of my life and their app is made by competent people. Maybe try that.
6. [R14] Apple Federal Credit Union 2/5 · US App interface: This app interface is too hard to navigate and some I can not even look at it. Previous versions was perfect.
7. [R18] Apple Federal Credit Union 1/5 · US It’s 2025: Honestly don’t know how I’ve survived so many years using this bank. It’s always had its flaws and honestly very few benefits to youth whom are related to educators which is a major part of the business model. It used to be better but the technology hasn’t been kept up, think poor UI/UX design, lag, difficulty with navigation etc. Biggest issue now is that although the website has instr
8. [R24] Apple Federal Credit Union 1/5 · US Mobil deposit Issue: The app glitches and crashes when I try to make a mobile deposit when I get ready to hit submit after taking photos of my check.
9. [R6] Apple Federal Credit Union 3/5 · US My low reviews on Apple FCU:: Hello there, just the other day someone sent me money through Zelle & have yet to see it in my account‼️ WHY?
10. [R10] Apple Federal Credit Union 1/5 · US Terrible bank: This bank is literally the worst and has failed me time and time again. They have terrible service, long phone wait times, a terrible app that barely works, and such limited services. Jsut recently they canceled a credit card I was using abroad without my consent and refused to make it work again even after calling several times. They also barely work with Zelle. I genuinely hate th
11. [R22] Apple Federal Credit Union 1/5 · US Just Awful: Bank at your own risk! The technology at this bank is seriously lacking. The app isn't an app, its a dashboard for their website, which also barely works. Zelle never works. Customer service is only available during business hours. If you want to dispute a transaction you have to print a form and hand deliver it to the branch. They process transactions when THEY want not when you swipe
12. [R9] Apple Federal Credit Union 3/5 · US Modernize: This app could be 100% much better than what it currently is. To me this app feels behind the times. It seems like this app would have been just OK the way it is now about 5 years ago. Come on APPLE FCU let's catch up please!
13. [R34] Apple Federal Credit Union 2/5 · US Verify you’re a human: Almost every time I have to verify that I’m a human a error code pops up and won’t let me login. This has been going on for weeks. It’s getting really annoying.
14. [R36] Apple Federal Credit Union 2/5 · US White screen: All I get is a white screen when I select on the app. It’s been like this for 2 days now.
15. [R32] Apple Federal Credit Union 1/5 · US Afcu Doesn’t support older phones biometric login.: Just went from an iPhone 8 to a 14. iPhone 8 has fingerprint login ability but Apple refused to consistently allow me to use it. Now with iPhone 14 Face ID worked perfectly just now to log in. I’m pleased. I was never notified fingerprint login wasn’t working because my phone was too old. They kept that a secret from me. What gives? Afcu has a lo
16. [R42] Apple Federal Credit Union 2/5 · US Not real-time accurate.: It’s nice to have an app, but it’s very inconvenient when it’s not correct. I finally figured out that the only way you can get the correct information is to choose “MORE”… then … “VIEW FULL WEBSITE “. On the FULL website, you can get “real-time” information.
17. [R51] Capital One Mobile 1/5 · US Payment: I have summited funds for payment but the charges are still pending not paid. I Cannot move on. Very troublesome.
18. [R53] Capital One Mobile 3/5 · US Password change: I don't access the app often but I get asked to change my password too many times and it's quite frustrating.
19. [R54] Capital One Mobile 2/5 · US Debit card declined: First off I love Capital One BUT, the fact that my debit card has been declined on multiple occasions because of the move to Discover network, I have moved to SoFi. It was suggested by Capital One that I use my credit card to avoid those issues and that didn’t sit well with me. Again I’d love to come back but, it just embarrassing and a bad look for Capital One.
20. [R58] Capital One Mobile 5/5 · US Excellent Banking App!: The app is easy to use. I’ve not had a time where I couldn’t find what I was looking for.
21. [R66] Apple Wallet 5/5 · US No cap!!: Hells reliable
22. [R68] Apple Wallet 1/5 · US Apple Rip OFF: Every time I try to add Apple Pay to my wallet Apple starts charging my card random amounts with no info I never allowed
23. [R69] Apple Wallet 5/5 · US 5⭐️⭐️⭐️⭐️⭐️ app. VERY convenient: I keep all my cards, tickets etc here and it has been very helpful because I don’t have to have my physical card with me anytime I need to pay. Would definitely recommend.
24. [R70] Apple Wallet 3/5 · US Apple app: Great app love how i can see all my cards but cant do anything on it since the app is so limited to a few things, dont like how you cant budget and how cashapp is better tbh but it's Okay
25. [R79] Bank of America Mobile Banking 2/5 · US Disappointed: Disappointed that when you upgrade the app and its features, those with older technology are left, somewhat, by the roadside. One would think that you would realize that you have a large base of fixed income, seniors that are customers and we do not run out and purchase the “latest and greatest” tech when it comes on the market. Why should I upgrade my phone for a few apps when it
26. [R81] Bank of America Mobile Banking 3/5 · US PITA: Every update messes up my app, now it won’t let me use FaceID and keeps trying to have me reset my password. It’s a hassle every time I try and open it.
27. [R82] Bank of America Mobile Banking 2/5 · US Missing Critical Functions: There is no option to initiate ACH transactions (both deposits and withdrawals) in this mobile app.
28. [R84] Bank of America Mobile Banking 1/5 · US Blank screen at login: App totally broken. Blank screen after login.
29. [R94] Amex 5/5 · US Best Card: I love the customer service they provide.
30. [R95] Amex 1/5 · US Control was taken away!!!: Even though the app gives users the option to control secondary authentication, and I chose not to enable it, American Express overrides that choice and forces secondary authentication anyway. That is unacceptable!!
31. [R96] Amex 5/5 · US Quick and eager to help: The best card ever
32. [R97] Amex 1/5 · US American Express Keeps Your Refund: Beware of Missing Money: I’ve had a very disappointing experience with American Express. Whenever I purchase items using my American Express card and later return the goods, the refund is supposed to go back to my card. However, American Express never returns the money, and I have to chase them down to get it. Even though the store has fully refunded me, it seem
33. [R107] Navy Federal Credit Union 2/5 · US Always under maintenance: WHYYYY is this app constantly under maintenance? I try to open in and half the time I can't even check my account or transfer money because they're "conducting scheduled maintenance." I've never dealt with a banking app or any app like this where it's always undergoing some sort of service, like this is so frequent that it has irritated me enough to the point of writing a
34. [R109] Navy Federal Credit Union 3/5 · US The Maintenance shut down is annoying: Eveytime I need to get into my bank I gotta worry if it in maintenance or not like at least give me a warning
35. [R110] Navy Federal Credit Union 1/5 · US Unacceptable: I live in Hawaii and the navy federal app is almost always being worked on. Definitely open another bank!
36. [R111] Navy Federal Credit Union 5/5 · US Best of All: You won’t find better than NFCU, period.
37. [R77] Apple Wallet 5/5 · US Me encanta: Muy práctico para hacer mis pagos rápidos y muy cómodo me encanta este método de pago felicitaciones.
38. [R59] Capital One Mobile 3/5 · US Changed from Visa to Discover: After the change from Visa to Discover I can’t make purchases in other countries and even at some stores in the US like Costco. I travel a lot and I have to transfer money to my business account in order to make a purchase at Costco and it’s all extremely inconvenient.
39. [R113] Navy Federal Credit Union 1/5 · US The app is trash: It shouldn’t ever take 6 plus hours for a “ schedule maintenance” it’s ridiculous at this point
40. [R116] Navy Federal Credit Union 1/5 · US Maintenance times: Maintenance times take too long when I need to acces my account the most