America First Credit Union alternatives
America First Credit Union users often seek alternatives due to persistent app bugs, frequent maintenance, and login issues. Many also report difficulties with mobile deposits and online payments, prompting them to look for more reliable banking apps.
Why users look for alternatives to America First Credit Union
- Users experience frequent app bugs and login problems, including Face ID not working and passwords being forgotten or requiring constant updates.R3R10R21R49
- The app is plagued by constant maintenance, making it impossible to access banking information regularly.R7R12R15R19
- Many users report issues with mobile deposits, such as checks not being read or funds taking longer than expected to become available.R1R45
- Customers struggle with making online payments, including car payments, and find the app not user-friendly for adding accounts or managing bills.R4R27R31
- The app is described as outdated, slow to update, and lacking modern functionality, with some users comparing its design to older operating systems.R25R29R39R82
- Some users encounter issues with multi-factor authentication (MFA) not working, preventing them from accessing their accounts.R47
- Card issues, such as fraud reports triggered when traveling out of state, and difficulty distinguishing between multiple cards, are also reported.R10R23
The alternatives
Capital One Mobile offers a user-friendly app for managing finances, allowing users to easily make payments and check balances in one place R52. It is also praised for its security features, with users reporting that Capital One has successfully caught scammers multiple times R59.
Better for: This app is better for users who prioritize an easy-to-use interface for daily banking tasks and strong fraud protection R52R59. However, some users have reported issues with high interest rates on loans and difficulty getting credit limit increases R53R60.
Head-to-head: America First Credit Union vs Capital One MobileChase Mobile® is a reliable app that allows users to perform various banking tasks, including moving money between accounts, making deposits, and sending transactions via Zelle R77. Users appreciate its ease of use and feel confident using it, noting that Chase keeps up with user needs R66R75.
Better for: Chase Mobile® is suitable for users who need a comprehensive, secure, and easy-to-navigate app for everyday banking, including money transfers and deposits R66R77. Some users have expressed concerns about high annual fees and issues with autopay features R67.
Head-to-head: America First Credit Union vs Chase Mobile®Bank of America Mobile Banking is generally seen as a reliable and easy-to-use app for basic banking needs R87. However, some users find its design outdated and less functional compared to competitors, with difficulties in making credit card payments and navigating between accounts R82R85.
Better for: This app might suit users looking for a stable, albeit sometimes clunky, banking experience R87. It may not be ideal for users who expect a modern, highly intuitive interface or those who frequently encounter login issues and blank screens after updates R81.
Head-to-head: America First Credit Union vs Bank of America Mobile BankingThe Amex app is praised for its excellent customer service, with users reporting quick responses and thorough problem resolution R94R106. It is also noted for its strong security measures and consistent performance over many years R104.
Better for: Amex is better for users who value strong customer support and robust security for their credit card management R94R104R106. However, some users have expressed frustration with forced secondary authentication, confusing app updates, and issues with refunds R95.
Head-to-head: America First Credit Union vs AmexChime® is highly recommended for its ease of use, early direct deposit feature, and credit-building opportunities R108R111. Users appreciate the ability to earn interest on savings and the convenience of setting up the account R108.
Better for: Chime® is ideal for individuals looking for an accessible online banking experience, especially those focused on building credit or benefiting from early direct deposits R108. However, some users have reported significant issues with scams, unhelpful customer service in fraud cases, and problems with referral bonuses .
Head-to-head: America First Credit Union vs Chime®You should stick with America First Credit Union if you are a long-time member who values the overall credit union experience, including in-person service, and find the app generally easy to navigate despite its occasional issues .
Evidence note: No alternative had too few reviews to judge.
Frequently asked
Why do America First Credit Union users report login problems?
Does America First Credit Union have frequent app maintenance?
Are there issues with mobile deposits on the America First Credit Union app?
Is the America First Credit Union app easy to use for payments?
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.
- [R3] America First Credit Union Great App Minus the Bugs: I never had problems on android, but there are some bugs on the iOS version it seems. Logging in is always a hassle as usually Face ID doesn’t work, and gets disabled quite often.
- [R10] America First Credit Union Difficult to use: Not supported in locations where military travels. 3/30 Biometrics login stopped working so I have to use credentials every time I open the app. It’s difficult to find account numbers. There’s no distinction between my wife’s card and mine. It’s unclear if utilizing location on the card/app would prevent one of us from using the card since I’m traveling to the conflicted side of
- [R21] America First Credit Union Great when it works: I dread using the app as I balance my checkbook for the app usually forgets my password by saying the token has expired. It then deletes my password from my stored passwords, and like today, my wife is shopping and cannot send me the password or the access code. It just stinks because it happens monthly. You would think an app would work for longe r than a month.
- [R49] America First Credit Union App doesn’t let me log in: I CONSTANTLY have to update my password or it doesn’t recognize my Face ID. I have to constantly type my password, wait for a code just to look at my account. Making payments is also a pain. Once I’m done with my loan I will no longer bank just because this stupid app is frustrating
- [R7] America First Credit Union Love AFCU but the maintenance has to STOP frequently!: I love the AFCU App and it’s been so amazing to use to access my bank information! However, it’s becoming so frustrating that AFCU is constantly doing maintenance on the app all the time that it’s impossible to access my bank information instead of going to browser. Please STOP with the maintenance every single week! It’s becoming so annoying!
- [R12] America First Credit Union Never works: This app undergoes more maintenance than a methheads car
- [R15] America First Credit Union app needs to be fixed: easy to use but for the love of god make it work, it loads and loads and loads, it will not let me log in, it won’t let me transfer money, it’s always under some kind of work. please send some kind of warning before literally turning the app off for the sake of us! it’s annoying and if it always has to have this dumb work done then i’m bound to switching banks because its ge
- [R19] America First Credit Union App doesn’t work: Had America first for years and have never liked the way they show your balances. lately they have constant maintenance so you can’t get into your mobile banking, and have had at least two occurrences they announced they had issues with cards being denied for no reason.
- [R1] America First Credit Union Garbage: Difficult to navigate and won’t read checks that I’m trying to deposit.
- [R45] America First Credit Union False mobile deposit times: Deposited my money on a Monday, was told at least $225 was going to be available by 12 midnight the day of deposit. Spending more time out of my next day, I had to call them just to find out the deposit won’t be in my account for another two days. What a wonderful experience you guys put me through, can’t you feel the way I smile while typing these words.
- [R4] America First Credit Union Can’t make online payments: Just opened up this credit union account and it doesn’t allow me to make online payments without calling in.
- [R27] America First Credit Union Horrific: Never had such a hard time giving someone hundreds of dollars. Everything about the app is sucks, it’s not user friendly, it glitches, doesn’t let you add accounts so you can pay them. Just let me Apple Pay, use a system that actually works this one is garbage.
- [R31] America First Credit Union Car payment: Good luck on trying to make your car payment. No payment button
- [R25] America First Credit Union Meh: I can’t believe how outdated this app is, but maybe it’s America first that’s so far behind the times. It’s the fourth of the month and four transactions already completed haven’t shown up yet. It’s electronic, should be almost instant. Even your tellers are faster! Do better AFCU
- [R29] America First Credit Union Continually broken but for fresh new reasons.: Have worked with scores of apps and this one is on the slowest to update and when it breaks, it really breaks. If you have multiple accounts, good luck. Might function a few times over a quarter and that is it. Waiting so long in between updates is laughable these days.
- [R39] America First Credit Union Terrible app: These developers should learn from Chase or Wells Fargo. Their app consistently logs out users, dos not authenticate properly, and is really slow. It seems like this bank’s app is running on tech from 2005.
- [R82] Bank of America Mobile Banking Very dumb bank app: I have used BOfA for about 15 years, and with digital world BOfA is the least preferred bank for me. Let me start with a poor and useless app design. The app design is a dinosaur, it is comparable to Windows XP, but with much less functionality. You cannot even pay your credit card using button “PAY”, you need to make a transfer from checking to credit. Also, one of the slowest
- [R47] America First Credit Union MFA doesn’t work: They require you to have a multi factor authentication, but their own text services don’t work to provide the code. It gets to the point where I just don’t bother checking my finances because I cannot access my account. This has been a problem for years. The best advice they have provided is to get another app so that the MFA will work there. Just make your MFA work. I don’t need
- [R23] America First Credit Union Nothing but problems: One account card sends a fraud report and stops the card, every time we leave out of state, which is our closest town. And stuck and very inconvenient! Card has been reissued at least 9 times a year, impossible to bill pay. Face ID, keeps turning off, and it’s not Apple doing this. To many problems with this bank, a loan we took out, completely messed up. Paid off in time.
- [R52] Capital One Mobile Easy to use App: This app is user friendly. I enjoy being able to make payments and check my balance all in one place.
- [R59] Capital One Mobile Trustworthy: Capital One is the best! They have caught scammers more than once for me. I trust them highly!
- [R53] Capital One Mobile Niegan aumento en la línea de crédito: Es muy difícil lograr que te aumenten tu línea de crédito aunque tengas un excelente score. Los préstamos para autos son con muy alto interés. A todos recomiendo que no saquen tarjetas de crédito con Capital One.
- [R60] Capital One Mobile Interest: Your interest is too damn high!!!! That way, I don’t like Capital One
- [R66] Chase Mobile® I Trust This App: I feel confident when using this Mobile App. Chase keeps up with the needs of the user. I check my App often to check on balances and to keep my eye on possible scams.
- [R75] Chase Mobile® Easy: Just wanted to note how easy this app is to use.
- [R77] Chase Mobile® No Complaints: This app is easy! I can move money between accounts, make deposits & receive transactions thru Zelle. It’s a “Do it All App!”
- [R67] Chase Mobile® Too much Annual fees: $150 annual fees is a lot not worth using it. I will Close the account before next annual charge.
- [R87] Bank of America Mobile Banking Great app.: Love how easy and reliable the app is to use.
- [R85] Bank of America Mobile Banking Good but needs update: Look at Chase, they make it easy to jump around from account to account, without having to press multiple buttons. And paying a CC now takes too many steps and “saves.”
- [R81] Bank of America Mobile Banking 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.
- [R94] Amex Excellent Customer Service & Great Bank !!: AMEX is the best !! “ Don’t Leave Home Without it “ !!
- [R106] Amex Great customer service: Amex has great customer service. They respond quickly and are very thorough. I’ve always received immediate help and had every problem solved.
- [R104] Amex Consistency: Member since 2014. Security measures always responsive; questions over forgotten purchases that I make always addressed; have had to replace card due to questionable inquiries- AMEX always on the ball; new credit offers are based on performance; trustworthy experience from business to personal transactions.
- [R95] Amex 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!!
- [R108] Chime® Rating: Excellent app for banking great way to make interest on your savings!! Also two day early deposit is AMAZING!!! Another thing the credit builder card is helpful for people like me who ruined their own credit. You have the chance to build it back up! Very reliable best online banking app!!
- [R111] Chime® Great application: Super great for banking! I highly recommend chime for anyone into banking. One of the best applications ever.
- [R113] Chime® Chime is so easy to use!: If you need to put money on your chime card, you just go to Walgreens and visit someone at a register and they will assist you!
- [R115] Chime® Best bank: Love how they help you out no matter what. Best bank to go with seriously, makes life soo much more easier.
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store