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Updated July 2026 · real, multi-region App Store reviews
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The verdict on

First Community Credit Union

75
User verdict / 100 High confidence Loved, with caveats

The First Community Credit Union mobile banking app is generally well-regarded for its convenience and ease of use, particularly for managing accounts and making transfers, but recent updates have introduced several frustrating bugs and limitations.

4.8★ lifetime (2,798) Free to download since 2012 by First Community Credit Union of ND Mobile Banking updated 3.2 mo ago recent negative 10% 59 reviews across 1 regions
Convenience & Ease of Use App Reliability/Bugs Feature Limitations Bank Policies
5★45
4★4
3★4
2★1
1★5
recent reviews across 1 regions, vs the 4.8★ lifetime average

The First Community Credit Union mobile banking app is praised by many users for its convenience, allowing easy access to account balances, transfers, and bill payments. However, recent reviews indicate a decline in reliability, with users reporting issues like accounts not loading, deposit problems, and app unavailability after updates. Despite these recent issues, the app maintains a high lifetime rating, suggesting a generally positive experience over time.

What users like

  • Convenient for managing finances anywhere, anytimeR17R18R36R41
  • Easy to use for checking balances, making transfers, and paying billsR17R22R26R30
  • Instantaneous transfers between savings and checking accountsR32
  • Mobile check deposit feature is usefulR34R36

What users complain about

  • Recent updates have caused accounts to not load properly on the main screenR4
  • App experiences frequent downtime, especially on weekends or eveningsR5R9R10R25
  • Mobile check deposit feature is broken for some usersR12
  • Widget functionality was removed or broken after iOS 18 updateR6
  • Cannot make payments online without an FCCU checking accountR1
  • Inability to easily switch between multiple accounts (personal/business) without logging outR21R28
  • Quick Balance feature is frequently disabled or not workingR20
  • Bank policies like 7-day check holds and low debit card transaction limits are restrictiveR7

Latest update · v2026.01

What the developer says changed (the verdict above weighs this against what reviewers report):

General enhancements and bug fixes.

Recurring themes

App Reliability/Bugs negative
Several users report that the app is frequently down, especially on weekends or evenings, or experiences general glitches and 'application errors'. Recent updates have introduced specific bugs like accounts not loading correctly and mobile deposit issues, directly contradicting the developer's 'bug fixes' claim. The Quick Balance feature is also noted as unreliable.R4R5R9R10
Convenience & Ease of Use positive
Many users praise the app for being convenient, easy to use, and allowing them to manage finances, check balances, transfer money, and pay bills from anywhere. This is a recurring positive theme across numerous reviews.R17R18R22R26
Feature Limitations negative
Users highlight several limitations, including the inability to make payments without an FCCU checking account, difficulty switching between multiple accounts (personal/business) without logging out, and the removal or breakage of the iOS widget. There are also requests for increased mobile deposit limits and Face ID login.R1R6R21R23
Bank Policies negative
Some users express dissatisfaction with First Community Credit Union's banking policies, such as lengthy check holds (7 days) and restrictive daily debit card transaction limits that require frequent calls to temporarily increase.R7

Who it's for

This app is for existing First Community Credit Union members who need a convenient way to manage their accounts, check balances, transfer funds, and pay bills on the go R36R41. It is particularly useful for those who appreciate instant transfers between their FCCU accounts R32. It may not be ideal for users who frequently need to make payments from non-FCCU checking accounts R1, manage multiple distinct FCCU accounts (like personal and business) without logging in and out R21R28, or rely heavily on quick access widgets R6.

Evidence note: The recent reviews show a notable increase in negative feedback regarding app reliability and bugs, which contrasts with the very high lifetime rating. This suggests a recent negative trajectory in user experience, possibly due to recent updates. The developer's notes mentioning 'bug fixes' are directly contradicted by multiple recent reports of new or persistent bugs.

Frequently asked

Can I make payments to my FCCU loans through the app?
You can make payments through the app, but only if you have a checking account with First Community Credit Union; otherwise, you may need to make payments in person or switch banks R1R30.
Does the app support mobile check deposits?
Yes, the app supports mobile check deposits, which many users find convenient R34R36, though some recent reviews indicate issues with this feature not working R12.
Are there any issues with the app's reliability?
Recent reviews indicate that the app can be unreliable, with reports of it being down frequently, especially on weekends or evenings, and accounts not loading properly after updates R4R5R9R10.
Can I use a widget to check my balance quickly?
The app previously supported a widget for checking balances, but it is no longer supported or functional after the iOS 18 update, making quick balance checks inconvenient for some users R6.

What reviewers actually said

Built only from these 59 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. [R17] 5/5 · US Easy to use: The FCCU app is easy to use. I like making transfers and checking my balances any time of the day or night, as well as on weekends! Five stars!
  2. [R18] 5/5 · US App Love the app like it said I don’t have to go into the bank to check my accounts: Pretty easy to use and navigate through her use it every day
  3. [R36] 5/5 · US FCCU member: I love have convenient this app is! I can check my balances, transfer money, and deposit checks anywhere and anytime!
  4. [R41] 5/5 · US Love it !!!: Love the app ... Makes my life so much easier being able to bank anywhere
  5. [R22] 5/5 · US Fccu app: I’ve been using it for years makes moving money around or checking balances easy.
  6. [R26] 4/5 · US Love the App: I use it almost every day. I love being able to see my transactions almost instantly and it makes budgeting so much easier. It’s SO easy to make transfers and pay bills! I pay nearly all of my bills with the app.
  7. [R30] 5/5 · US This app is awesome...: I use this app every day! It is so easy to use this all to make sure my bank accounts are all right and to make payments on cards and other stuff.
  8. [R32] 5/5 · US Excellent: This is a great app. Transfers from savings to checking are instantaneous. Great for when checking account is low and you're standing at the checkout register. :) Thanks!
  9. [R34] 5/5 · US Amazing: Saves me so much time to be able to deposit my checks by not only direct deposit but also any misc. checks through the app!
  10. [R4] 3/5 · US Everything is Great but..: Ever since the newest update, the main screen doesn’t with my accounts doesn’t load properly. They accounts won’t load at all until another tab is clicked on, and then gone back to the accounts. It’s quite annoying.
  11. [R5] 5/5 · US Review on bank app: He phone app id always down. Especially on weekends or evenings when the bank is closed.
  12. [R9] 1/5 · US What’s wrong: What’s going on with the bank app it don’t wanna work
  13. [R10] 3/5 · US When it works it’s fine.: It’s such a roll of the dice on if this apps useable or not. I get having to do update. But set up an update schedule not just any time updates or maintenance needs to be.
  14. [R25] 5/5 · US !!: The app is really nice and convenient. At the moment I’m not able to open the app because it says it’s unavailable and had been so since the update 2 days ago. I didn’t feel like going through the support so I’m leave it on the reviews page incase anyone else is having the same problem. Great app though!
  15. [R12] 1/5 · US Deposit won’t work anymore: Can no longer deposit checks. Tells me to rotate phone and still won’t do anything. Random bugs throughout time but could at least get it to work randomly until now.
  16. [R6] 3/5 · US No more widget: The app itself is fine, but after the iOS 18 update the apps old style widget is no longer supported and makes it extremely inconvenient since I used it daily to check balances.
  17. [R1] 1/5 · US Making payments: You can not make payments online without have a checking account with FCCU. I got my truck refinanced and now I either have to go in to make a payment or switch banks.
  18. [R21] 3/5 · US Good solid app unless you have 2 accounts: The app works great, but I have a personal and business account and I have to log out to view each of them.
  19. [R28] 5/5 · US Great: Love the app, only thing I would like is to be able to switch to different accounts without having to close all the way out and then sign back in.
  20. [R20] 5/5 · US Quick balance never works right: Obvi I love this app because it’s my bank and YAY but the quick balance always seems to be disabled/not working and no matter how many times I keep turning it off/on it still tells me I need to ‘log in with Apple ID, or turn on ‘Quick Balance’ but it still doesn’t show up in my drop down menu of my phone. t’s a newer issue but I hope they fix it because I only ever
  21. [R7] 1/5 · US Poor banking: I have been using this bank for four years now. Their policy’s are terrible compared too other banks. They hold your check for 7 days no matter if the other bank clears it or not. They lock down the debit cards so you can only use 200 on a single transaction. Then you have to call and have it temporary raised for a few days then it drops down again. Will be switching banks soon.
  22. [R23] 4/5 · US Face recognition: Please add Face recognition ID to login. That would be great!

Synthesized from 59 recent App Store reviews · updated July 2026 · View on the App Store