First Community CU (MO)
The First Community CU app is generally functional for basic banking, but recent updates have introduced significant stability issues, broken features, and a less user-friendly interface, contradicting the developer's claims of general improvements and bug fixes.
The First Community CU app allows users to perform basic banking tasks, with some praising its ease of use and access to account information. However, recent updates have led to widespread complaints about app instability, frequent crashes, and a degraded user experience, particularly with bill pay and external transfers.
What users like
What users complain about
- The app frequently crashes, freezes, or fails to open, requiring reinstallation for some users.R3R13R36R37
- Recent updates have made the bill pay system more complicated, less user-friendly, and caused issues with scheduled payments.R89R92R93R94
- Transfers, especially to external accounts or instant transfers, are often slow or do not work at all.R3R31R51R56
- Users report frequent app downtime for maintenance, sometimes lasting for days.R28R41R47R48
- Notifications are often delayed or do not clear, leading to persistent alerts on the app icon.R40R52R54R75
- The app's interface is considered outdated and lacks modern features like dark mode or appearance customization.R3R17R72R99
- Key features like the search function for transactions and viewing checks are missing or non-functional.R33R109R186R193
Latest update · v2026.4.2.4
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
Who it's for
This app is for existing First Community Credit Union members who need to perform basic banking tasks like checking balances and making simple transfers, provided they are willing to tolerate frequent app instability and an outdated interface R1R68R80. It is not for users who rely on seamless external transfers, robust bill pay features, or a highly stable and modern mobile banking experience R3R58.
Evidence note: The recent reviews skew heavily negative, with many 1-star ratings, which contrasts sharply with the high lifetime rating of 4.8. This indicates a significant decline in user satisfaction, likely due to recent updates. The developer's release notes are vague ('general improvements, enhancements, and bug fixes') and are directly contradicted by numerous user reports of new bugs and worsened performance.
Frequently asked
Does the First Community CU app allow external transfers?
Is the app stable and reliable?
How is the bill pay feature in the app?
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.
- [R1] Decent app: Decent financial app, I’m able to do all banking from my phone.
- [R66] Great!!: Great app easy to use. Easy access to everything.
- [R68] Online banking app: I love how I can check my balance or account activity with little effort and top security. Easy to use and mantience hours are agreeable with user friendly time frames. No complaints.
- [R80] Easy to use: The app is easy to use for all the things banking.
- [R5] Review: Easily navigable
- [R39] Queen Sugar: I really love the ease of the app. Navigating is a breeze and you don’t have to dig to find what you are looking for. Keep up the good work.
- [R78] Len: I enjoy this application it’s very user friendly it gives you all the information you need. Thanks FCCU for creating this application and allowing me to experience it.
- [R85] New member: Oh, I just switched after 20 years with another bank in St. Louis. It’s night and day with these folks. The inside staff is amazing. All the apps work completely perfect.
- [R9] App: fantastic! Frequency of rating request: too much.: I appreciate that First Community wants a rating for the app. I am so grateful to have access to my account information at the touch of a button. However, it is frustrating that it pops up every time I log in. It would be better if the rating screen was occasional.
- [R65] Ugly but stable all: This app is great for getting you quick info and transferring money from accounts. My only complaint is since on iOS 18 Apple removed old widgets from the widget view. Can you please make a new version of the widget? It was my favorite way to quickly check my balance without having to open the app. THANK YOU
- [R79] Why its so convenient: Very informational Easy access Very secure Warnings for, rare maintenance breaks
- [R3] Horrible: Won’t transfer to external accounts. Every time i go to settings > account preference it freezes. The app is outdated, unorganized and this is after the so called update.
- [R13] .: App keeps freezing & not letting me login.
- [R36] used to be good: Has always worked great until recently. Now constantly won’t open the app and crashes. Makes me uninstall and reinstall to get it to fix. Happens almost weekly, which is way too much.
- [R37] Crashing: I am unable to even open the app. It crashes before it even gets to the log in screen. App used to be great but has been glitchy lately.
- [R89] Not a fan of the new update: The new update is not nearly as user friendly as the previous version! Otherwise it works as it should. I just wish this one were easier for users, particularly the bill pay portion. I do all my bills through the bill pay and that was a real mess after the huge change over. Which seems to not have any real improvements for the end users, in my opinion. It just made bil
- [R92] New bill pay is horrible: The updated bill payment system is horrible. E-bills no longer work and it is not easy navigating or understand.
- [R93] New Bill Pay: I don’t like the new bill pay software. I preferred the simpler old format, where you could easily see what bills you’ve paid and what was pending. Now it’s basically listed together and not as easy.
- [R94] Bill pay hub: The new bill pay interface is a very big step down from the prior clean, quick interface. The new service requires additional steps and has a terrible layout. Please consider looking into improvements for your members missing what was a great tool.
- [R31] Review: My money don’t transfer instantly into my account sometimes when I withdraw I have to wait 3-4hrs
- [R51] Transfer: why won’t my money transfer to available from pending from depositing money.
- [R56] External Transactions: I’ve found it so difficult to do external transactions whether it’s to a person or your other banks. I believe other banks have an easier process. The way to receive your password is also questionable because they send riddles for some reason when they could just tell you to create a new one.
- [R28] App has been down for 6 days: They said it was scheduled maintenance but it was only supposed to be for the weekend. We are now on day 6 and it still says down for maintenance when I tried to login. There’s no backup, no website login or phone call to check my account. What kind of bank doesn’t let anyone login for 6 days?
- [R41] Don’t recommend: It’s been a lot going on with this app and it’s always down i just been having to many problems with this app
- [R47] App down every three days: So this is ridiculous that every three days this app is down for maintenance. All I want to do is check my account. I shouldn’t have to just through hoops to do that.
- [R48] Issues: This app is always down!!!!
- [R40] Can’t turn off push notifications: I get a notification every time I use my card and there is no option to turn it off. 90% of the app is solicitations for their offerings and the app is difficult to navigate for what should be simple tasks.
- [R52] Issue with app notifications not clearing: Love the app but someone with OCD there is an issue with the community insider notification not going away causing a number to show up on the app that won’t go away. Deleting app until it’s fixed.
- [R54] Great app, the notifications need to be a bit quicker: I love the service, the people, and the app! We have had fraud a few times that was easy to prove it was not us and it was quickly stopped! The only complaint that I have is we can look in the app, see a transaction, and don't get the notification for several hours. With my credit cards, the notification is usually immediate or within a few mi
- [R75] Behind the times: I have had nothing but great experiences with FCCU. They’ve helped me with loans and financing and fraud protection, and paying bills and banking are easy. However, this app is not up to par. It lacks basic card controls, notifications are spotty, if they work at all. Specifically, as of late, the app is frequently down overnight. Granted, overnight is typically less staffed and
- [R17] Very outdated app: looks like it was made in the 90s, very basic. it could use some updates on appearance and some new functions.
- [R72] Horrible: I hate to say this but it guys app is just so outdated. It’s literally the worst app I’ve ever seen from an actual bank or even business. You guys have money, you can at least spend some of it to help your clients with providing an app that’s easy to use and not so clunky. I’m literally 39 years old, I have a a degree in computer sciences with certifications in 5 major computer softwares
- [R99] Need Dark Mode: Great app overall. Need dark mode and appearance change options.
- [R33] Where did the search function go?: I don’t see the search function anywhere to easily find transactions without having to search through my entire feed. Disappointing as I use that function regularly.
- [R109] Search: The search bar won’t drop down and allow me to search history when using my phone app
- [R186] Can't see bills to pay: Need to be able to see bills for bill pay.
- [R193] Viewing my Checks don’t ever work. :(: The reason I only gave this app 3 stars is because the part where you are supposed to be able to view your Checks on this App has never worked. That’s the only disappointment I’ve had with this app.
- [R27] Update: Every since the update this app has been giving me problems
- [R21] Mostly good app: I like the layout and ease of reading the screens on my phone. Bill pay is an annoyance, however. You have to flip back & forth between screens to see amounts due on your accounts. Then you must note this and carry over to a different screen to pay. This really needs to be mashed up in some way making it easier and less error prone for the user.
- [R4] Loan Account: Would be nice to see more information on the loan account. Start date, payments completed and payments left to make quantities.
- [R6] Show colors on amount taken out or Deposited: I don’t like it doesn’t show a color amount when something has taken out of your account or being paid. I have to search for the amount that I’m looking for and that’s ridiculous.
- [R7] Loan: If you are getting a loan please do not get a loan or bank with first community I had a car loan with gap insurance and some one hit me an wrecked my car after my insurance had just lapsed they provided me with their insurance information to call but cancelled my account and sold the car when the driver was in the wrong and now I’m sitting here confused with a payment that I thought gap woul
- [R10] BEST EVER: The best ever I started an account here 14 or 15 years ago I would never go anywhere else. They are awesome.
- [R11] Outstanding service: I've never been at a bank with so many pleasant employees!..from the manager to every single bank teller. Joe Kaminski
- [R14] Loan: I got a credit card with a great percentage rate. quick and easy
- [R58] This was so unnecessary: For some reason someone decided to replace the internal personal money transfer and replace it with a stupid goal builder. I can’t transfer money anymore from the app so it’s dead to me now. I am only using it to see what’s in my account now. This is the most annoying update to ever happen to this app. It was so unneeded. Unless it goes back to normal I might uninstall tbh
- [R86] Never Transfers Money: I use cashapp and it never processes my money in yome
- [R42] App Crashes: The app keeps crashing everytime I try to open it
- [R88] New bill pay system: My bills have never been late, havent had nsf in years until they changed the new system. Thinking about leaving and going somewhere else
- [R133] Notifications: This app shows there are 2 new notifications all the time. They say they know about the issue and it will be fixed but it has been this way for a really long time and it’s such a nuisance.
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store