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

First City Credit Union Mobile

45
User verdict / 100 High confidence Divided

The First City Credit Union Mobile app is currently experiencing significant functionality issues, particularly with Zelle and mobile deposits, despite a history of positive customer service and basic banking features.

4.8★ lifetime (4,426) Free to download since 2013 by First City Credit Union updated 0.2 mo ago recent negative 29% 97 reviews across 1 regions
App Functionality Issues Missing Features Customer Service Basic Banking & Ease of Use
5★57
4★8
3★4
2★5
1★23
recent reviews across 1 regions, vs the 4.8★ lifetime average

Recent reviews indicate a decline in the First City Credit Union Mobile app's performance, with many users reporting critical features like Zelle and mobile deposits are not working. While the credit union itself is praised for customer service, the app's current state is causing frustration for many members. The app's lifetime rating is high, but recent sentiment is notably negative.

What users like

  • Credit union offers great customer service and supportR2R3R4R5
  • App is generally easy to use for basic banking functionsR18R20R37R41
  • Provides real-time account information for some usersR43
  • Mobile deposit feature is appreciated when it worksR54R56R68R72

What users complain about

  • Zelle functionality is frequently broken, crashing or not loadingR11R12R14R21
  • Mobile deposit feature is not working for many users, especially after updatesR1R13R25R26
  • App crashes or fails to open for some users, particularly on iOS 7 and after updatesR9R10R73R86
  • Login issues, including inability to verify identity or loss of Touch ID/Face IDR32R46R51R62
  • Account balances and transactions are not always up-to-date or accurateR55R58R82R83
  • Lacks features common in other banking apps, such as widgets, notifications, and easy account linking/transfersR16R19R30R31

Latest update · v2026.04

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

This update includes general improvements, enhancements, and bug fixes to provide you with the best possible experience.

Recurring themes

App Functionality Issues negative
Many recent reviews report critical app features are broken, including Zelle, mobile deposits, and general app stability. Users experience crashes, inability to open the app, and login problems. This contradicts the developer's notes about 'bug fixes'.R9R10R11R12
Missing Features negative
Users desire additional features found in other banking apps, such as widgets, push notifications, easier account linking, and more comprehensive bill pay options within the app. Some also note the lack of automatic card renewal or Apple Pay wallet updates.R16R19R30R31
Customer Service positive
Despite app issues, many long-term members consistently praise First City Credit Union for its excellent customer service, friendly staff, and helpful assistance.R2R3R4R5
Basic Banking & Ease of Use mixed
When the app works, users find it easy to navigate for basic functions like checking balances and viewing transactions. However, the reliability of these basic functions is inconsistent, with some reporting outdated information or inability to access account details.R18R20R37R41

Who it's for

This app is for existing First City Credit Union members who primarily need to check basic account balances and are willing to tolerate frequent issues with advanced features like Zelle and mobile deposits. It is not for users who rely on a fully functional mobile banking app for all their financial needs, especially those requiring reliable person-to-person payments or quick check deposits.

Evidence note: The recent reviews skew heavily negative regarding app functionality, which contrasts sharply with the high lifetime rating. Many positive reviews are older or focus on the credit union's service rather than the app itself. The developer's notes mention general improvements and bug fixes, but recent user feedback directly contradicts these claims, particularly concerning crashes and non-working features.

Frequently asked

Does the First City Credit Union app support Zelle?
While the app reportedly has a Zelle feature, many recent reviews indicate it is not working, frequently crashes, or fails to load R11R12R14R21.
Are mobile deposits working in the app?
Recent user reviews widely report that the mobile deposit feature is currently not working for many, with issues ranging from the camera not interfacing with the app to deposits taking days to process R1R13R25R26.
Does the app offer Face ID or Touch ID login?
Some users report that Touch ID previously worked, but the latest update caused it to be lost, requiring manual password entry R46R53. Other users express a desire for Face ID functionality R51.
Does the app have widgets or notifications?
Users have requested the addition of widgets, as the quick balance feature no longer works with iOS 18, and many desire notification functionality similar to other banking apps R19R30.

What reviewers actually said

Built only from these 97 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. [R2] 5/5 · US Great customer service: I’ve belonged to this credit union for over 20 years and have always been treated with kindness and respect. I received help in raising my credit score as well.
  2. [R3] 5/5 · US Bank processing: Great service
  3. [R4] 5/5 · US I love First City Credit Union!: I love First City Credit Union, and have been a happy customer since 2014
  4. [R5] 5/5 · US The Best CU: I’ve been a member with FCCU since 2006, and I can not think of 1 negative thing to say about it. From getting the best interest in car loans to the best fraud monitoring ever. I will remain for ever a member.
  5. [R18] 5/5 · US Love it!: It’s so easy and very convenient to use❤️
  6. [R20] 5/5 · US Easy to use: Nice app
  7. [R37] 5/5 · US Love this app. It does everything I need it to do and more. Thank you: Love this app!
  8. [R41] 5/5 · US Really good app: I love this app it’s really fast and
  9. [R43] 5/5 · US Real time: Great app! Real time on bank information and have no problems with bank transactions. I never have to go to the bank.
  10. [R54] 5/5 · US Great!: So useful now with all the new updates! Quick view balances and check deposit straight from the app. Yes!
  11. [R56] 5/5 · US Easy-to-use app: The First City mobile app is so easy to use! I use the mobile deposit function all the time, and it's easy to check balances.
  12. [R68] 5/5 · US Awesome and easy: I love the fact that the credit union had moved into the 21st century especially allowing photo deposit. Terrific app!!!
  13. [R72] 5/5 · US Simple and Convenient.: This app has not failed me once. And now that they have Mobile Deposit, fewer trips to the bank/ATM.
  14. [R11] 1/5 · US Zelle not working: Please fix zelle issue, keeps crashing when attempting to zelle via mobile app.
  15. [R12] 2/5 · US Crashing & Transfers: Zelle keeps crashing. Transfers to other members is no longer available. Please fix and update.
  16. [R14] 1/5 · US Zelle: Whenever I try to access Zelle to send money, the Zelle screen just keeps circling trying to load.
  17. [R21] 1/5 · US Zelle: My Zelle section doesn’t work and is a blank white screen, cannot use the Zelle app since my banking app has a Zelle feature that doesn’t work, now I can’t use Zelle at all
  18. [R1] 1/5 · US D: Worst bank ever mobile deposits take days to hit your account they have the worst service
  19. [R13] 5/5 · US DIRECT DEPOSIT DOES NOT INTERFACE WITH CAMERA ON MY IPHONE 16 PRO MAX: DIRECT DEPOSIT DOES NOT INTERFACE WITH CAMERA ON MY IPHONE 16 PRO MAX. I HAVE TO USE AN OLDER MODEL IPHONE TO MAKE DIRECT DEPOSITS INTO MY ACCOUNT. MY CAMERA OTHERWISE WORKS. WHAT GIVES?
  20. [R25] 3/5 · US Not working: I am unable to make mobile deposits. Any suggestions? I have deleted the app and reinstalled it.
  21. [R26] 1/5 · US Mobile deposit broken!!!: Not working
  22. [R9] 1/5 · US New update bug: New update doesn’t allow app to open. It just immediately shuts down
  23. [R10] 1/5 · US Never works: Had it glitch out me constantly screwing me out of paying rent and all sorts of issues amazing! Visiting them in person in terrible aswell
  24. [R73] 2/5 · US Great if you want to save money!: It's an awesome app, when it actually works. However, this is now the 9th or 10th time (at least) that I have been unable to access my account because it says the "application isn't working". There have also been so many times that I try to transfer money and it says it "can't access account information" and, therefore, I'm unable to get money without driving to t
  25. [R86] 2/5 · US my app doesn't let me transfer money anymore.: please help! I used to love this app! it was so easy and convenient, but it no longer allows me to transfer any money! whenever I press "make transfer" it just kills the app all together :(
  26. [R32] 1/5 · US Can’t log in: Can’t log in for the past two weeks
  27. [R46] 1/5 · US Latest release lost Touch ID: Used to be a good app. The latest release lost Touch ID. Must manually enter password no 1Password support.
  28. [R51] 5/5 · US Update with Face ID: I love this app it’s easy to use. I would just like an update so I can login using Face ID.
  29. [R62] 1/5 · US Doesn't work: Keeps giving application error when trying to confirm identity via both text and phone call. Same error on iPhone 5 and 6.
  30. [R55] 5/5 · US Love the app: I love the app comes in handy when I need my balances instead of finding the nearest ATM. Just needs a little updating on my balances when I spend.
  31. [R58] 1/5 · US HORRIBLE app to match the horrible bank: WORSE FREAKING APP EVER!!!! But I'm not surprised considering the bank is so morons. WARNING! This app is not up to date. Charges/money available is horribly behind. DAYS behind. Don't trust this app!!!!!!!
  32. [R82] 1/5 · US APP DOESN'T WORK: If I could give 0-Stars I would. This app only worked a few times. But now it can no longer display account information. Hopefully this can get fixed very soon. I do enjoy the ability view account info and do a couple basic functions.
  33. [R83] 1/5 · US Why doesn't it ever work?: This app never has available account information, it needs to be upgraded and updated. Fix the bugs and make it standard app expectations.
  34. [R16] 2/5 · US Fair: The app has bear and basic view. My card expired and I could not go onto the app and order a new one. It was disappointing that my card was not renewed automatically by my bank. Also, Apple Pay wallet update for new card is not available.
  35. [R19] 3/5 · US Update your app please: You need to add widgets. The quick balance no longer works with iOS 18, and it's annoying having to open the app. Please add widget functionality. I would highly appreciated
  36. [R30] 3/5 · US Okay: This app is ok. It would be better if the app would be set up to give notifications like other mobile banking apps.
  37. [R31] 4/5 · US 🤷🏼‍♀️: I would give this app 5 stars, except I’d like to be able to rearrange the accounts in an order of my choosing, however, that does not seem to be an option through the mobile app. I can rearrange on the website with no issues, but I’d like that order to reflect on the app.
  38. [R53] 5/5 · US Great App: Very convenient app. Love that the app allows for the Touch ID use.

Synthesized from 97 recent App Store reviews · updated July 2026 · View on the App Store