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Updated July 2026 · real, multi-region App Store reviews
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First Community CU (MO)

40
Value score / 100 Worth paying? No Skip it

The First Community CU app is free to use but suffers from frequent crashes, unreliable features, and slow transaction processing, making it difficult to recommend despite some users finding it easy to navigate.

Free to download 4.8★ lifetime (23,957) since 2013

The First Community CU app, while free, is plagued by instability, including frequent crashes and login issues, and many users report problems with core banking functions like transfers and bill pay. While some appreciate its ease of navigation, recent updates have introduced significant usability problems and slow transaction processing, diminishing its overall value.

Free vs paid

The app is entirely free, with no in-app purchases or paid tiers mentioned in the reviews or product page. All features, including banking, transfers, and bill pay, are intended to be accessible without cost.

Value complaints

    Where it delivers

    • Some users find the app easy to navigate and appreciate the ability to do all banking from their phone.R3R7R41R80
    • The app allows users to check balances and account activity with security.R70R78R81
    • It offers features like mobile check deposit and bill payment, though these have recently faced issues.R84
    Worth paying if

    N/A, as the app is free.

    Skip / stay free if

    You should skip this app if you require reliable access to your banking information, need instant transfers, or depend on consistent bill payment functionality, as many users report frequent outages and issues with these features R1R5.

    Evidence note: The evidence is heavily skewed towards negative recent experiences, particularly regarding app stability and functionality after updates, despite a high lifetime rating. Many positive reviews are general statements of satisfaction with the credit union rather than specific app features.

    Frequently asked

    Why is the First Community CU app crashing frequently?
    The First Community CU app is crashing frequently for many users, often requiring uninstallation and reinstallation to resolve, with some reporting it happens almost weekly R1R5R15R38.
    Does the First Community CU app support external transfers?
    The First Community CU app has significant issues with external transfers, with users reporting it won't transfer to external accounts and that the process is difficult or no longer available after recent updates R5R58R60R75.
    Are transactions instant with the First Community CU app?
    No, transactions are often not instant with the First Community CU app; users report that money doesn't transfer instantly, sometimes taking 3-4 hours, or even days for transfers and debit transactions to process R33R86R99R103.
    What are the common complaints about the bill pay feature?
    The bill pay feature has received numerous complaints, with users stating that recent updates made it less user-friendly, more complicated, and caused scheduled payments to be dropped, leading to late fees R23R90R91R94.
    Does the app have a search function for transactions?
    The search function for transactions is either missing or not working for some users, making it difficult to find specific transactions without scrolling through the entire feed R35R111.

    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. [R3] 4/5 · US Decent app: Decent financial app, I’m able to do all banking from my phone.
    2. [R7] 5/5 · US Review: Easily navigable
    3. [R41] 5/5 · US 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.
    4. [R80] 5/5 · US 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.
    5. [R70] 5/5 · US 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.
    6. [R78] 5/5 · US Banking: I’m glad and happy that I get a update on my checking account and my savings account, and I love the job you all are doing.
    7. [R81] 5/5 · US Why its so convenient: Very informational Easy access Very secure Warnings for, rare maintenance breaks
    8. [R84] 5/5 · US Online banking: This app makes it simple to deposit checks and pay bills.
    9. [R1] 1/5 · US Not loading: The app is having issues where it doesn’t load or won’t load
    10. [R5] 1/5 · US 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.
    11. [R15] 2/5 · US .: App keeps freezing & not letting me login.
    12. [R38] 3/5 · US 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.
    13. [R58] 1/5 · US 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.
    14. [R60] 1/5 · US 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
    15. [R75] 2/5 · US Not happy with recent changes: All of a sudden the options at the bottom of the interface changed and the ability to make a transfer is no longer available, they replaced it with “Order Checks”. What a crappy change, I don’t have checks and this is completely useless as I doubt most people use checks anymore. Word of advice, if it ain’t broke don’t fix it.
    16. [R33] 3/5 · US Review: My money don’t transfer instantly into my account sometimes when I withdraw I have to wait 3-4hrs
    17. [R86] 1/5 · US Slow processing: Takes days to process simple debit transactions from mcds and target. Paying directly with account routing and account number should be instant, however that also takes about a week.
    18. [R99] 1/5 · US Instant transfers don’t hit instantly.: Here I am an hour later. I am extremely dissatisfied
    19. [R103] 3/5 · US Very Average: Better than US Bank but it takes so long to process transfers and transactions from outside the bank, especially ones that are supposed to be instant it can sometimes take a whole day. Really makes my life way harder when I’m tryna to get gas while ubering or something like that.
    20. [R23] 4/5 · US 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.
    21. [R90] 2/5 · US 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
    22. [R91] 3/5 · US 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
    23. [R94] 1/5 · US 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.
    24. [R35] 3/5 · US 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.
    25. [R111] 3/5 · US Search: The search bar won’t drop down and allow me to search history when using my phone app

    Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store