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Updated July 2026 · real, multi-region App Store reviews
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Royal Credit Union alternatives

Royal Credit Union users often seek alternatives due to recurring app issues like crashes, login problems, and difficulties with features like mobile deposit and transfers. Many also report dissatisfaction with recent app updates, citing poor interface design and reduced functionality.

Why users look for alternatives to Royal Credit Union

The alternatives

Navy Federal Credit Union
4.9★ · 814,915 ratings · Free

Navy Federal Credit Union is praised by many users as a top-tier banking option, with some calling it the 'best bank and app all in one' . However, a significant drawback is its frequent scheduled maintenance, which often prevents users from accessing their accounts or performing transactions R51R53R54. Some users also report issues with the app freezing, particularly when trying to set cardholder limits or check upcoming transactions . There are also reports of biometric login issues and problems with the 'switch user' feature .

Better for: Navy Federal Credit Union suits individuals who prioritize a highly-rated credit union experience and are willing to tolerate frequent app maintenance periods R51. It may be less suitable for those who need constant, uninterrupted access to their banking app, especially if they live in areas like Hawaii where maintenance seems particularly disruptive R54.

Head-to-head: Royal Credit Union vs Navy Federal Credit Union
RBFCU
4.8★ · 69,835 ratings · Free

RBFCU is highly regarded by long-term members for its responsive support in times of need, making them feel safe and secure with their banking . Many users appreciate the absence of hidden fees, comparing it favorably to traditional banks R66. The app is generally considered convenient with few glitches . However, some users report persistent issues with transferring money R65 and frequent app crashes . The chat messenger feature has been non-functional for an extended period R67, and some users desire a widget option for quick balance viewing . Biometric login can be unreliable, often requiring a password first .

Better for: RBFCU is a good fit for individuals seeking a credit union with strong customer support for financial challenges and transparent fee structures R66. It's also suitable for users who value a generally convenient app experience, provided they are not heavily reliant on features like the chat messenger or consistently smooth biometric login R67.

Head-to-head: Royal Credit Union vs RBFCU
America First Credit Union
4.8★ · 67,976 ratings · Free

America First Credit Union is praised for its generally smooth operation, ease of navigation, and convenient in-app options including card controls . Many members have a long-standing positive relationship with the credit union . However, the app frequently undergoes maintenance, which frustrates users by making it impossible to access banking information . Users also report issues with mobile check deposit R79, biometric login R81, and difficulties in making online payments without calling in R82. Some users find the app difficult to navigate and wish for a unified login for multiple accounts R79.

Better for: America First Credit Union is suitable for users who value a credit union with a long history of positive member relations and appreciate convenient in-app card controls . It may be less ideal for those who require consistent, uninterrupted app access or who frequently use mobile check deposit and prefer not to call for online payments R79R82.

Head-to-head: Royal Credit Union vs America First Credit Union
Redwood Credit Union
4.9★ · 50,458 ratings · Free

Redwood Credit Union (RCU) is highly regarded for its excellent customer service and community support R94R96. Many users find the app to be very useful, smooth, and easy to understand, helping them track accounts effectively . However, the app has reported issues with Face ID not working well R93, and some users experience problems with the app getting stuck on loading screens or crashing, making it difficult to open or deposit checks R95. A notable missing feature for some is Zelle integration and the absence of an amortization table for loans .

Better for: Redwood Credit Union is ideal for individuals who prioritize strong customer service, community involvement, and a generally user-friendly banking app R94R96. It might be less suitable for users who rely heavily on Face ID for login, need Zelle integration, or require an amortization table within the app R93.

Head-to-head: Royal Credit Union vs Redwood Credit Union
CommunityAmerica Credit Union
4.8★ · 36,421 ratings · Free

CommunityAmerica Credit Union's app is generally described as functional and straightforward to use, with many interactions being simple and fast . However, a significant and recurring problem is that the app frequently crashes, especially upon login, often requiring multiple attempts to open R107R108R109. Users also report issues with the keyboard not opening R107 and credit card transaction notifications not being received on iPhones R110. There are instances where the app loads website content, which can detract from the native app experience .

Better for: CommunityAmerica Credit Union suits users who appreciate a generally simple and fast banking interface and are willing to contend with frequent app crashes upon login R107. It may not be the best choice for those who rely on immediate credit card transaction notifications or need a consistently stable app experience without repeated login attempts R108R110.

Head-to-head: Royal Credit Union vs CommunityAmerica Credit Union
Stick with Royal Credit Union if

You should stick with Royal Credit Union if you have had a consistently positive experience with their customer service, find their app easy to navigate, and appreciate their fraud prevention measures, as many long-term members do R2R14.

Evidence note: All alternatives have sufficient review evidence.

Frequently asked

Does Royal Credit Union's app have issues with mobile check deposit?
Yes, Royal Credit Union's app has reported issues with mobile check deposit, with users finding the new check capture feature unusable and checks being flagged for review despite being clear R12R44R46.
Are there problems with logging into the Royal Credit Union app?
Yes, users frequently report struggles with logging into the Royal Credit Union app, including it crashing on open, not allowing access, and login being broken after updates R19R36R40R50.
How is customer service at Royal Credit Union?
Customer service at Royal Credit Union receives mixed reviews; some users praise it as excellent, prompt, and helpful R2R14, while others describe it as subpar, with high staff turnover and issues like incorrect account setup R16R18R32.

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. [R4] Royal Credit Union 1/5 · US Bad interface: I don’t like the change to the interface. The new update to the app is less user friendly and it doesn’t work properly. When I transfer from different accounts and hit “view accounts” it just goes back to the transfer menu and I have to restart the app just to get to the home page.
  2. [R7] Royal Credit Union 1/5 · US New update made the app worse: I struggle with my eyesight and the homepage's font is way too small and one note for me to be able to navigate as easily as I used to. I used to love this app for how simplistic and helpful it was, but now I can't make a transfer without it crashing and being down for at least 10 minutes, it won't show my auto loan balance on the main page, and if I click "make a pa
  3. [R19] Royal Credit Union 1/5 · US Crashes on open: The app completely crashes the second it’s open and will not let me use it.. I’ve uninstalled and reinstalled and there’s no available updates.
  4. [R22] Royal Credit Union 1/5 · US Not sure what’s happening at this bank.: I have had more problems accessing and moving my money lately than ever before. May be that I’m going to have to go somewhere I can trust to make payments and transfers when they are due.
  5. [R3] Royal Credit Union 3/5 · US App Update: I actually like the old app version better.
  6. [R6] Royal Credit Union 3/5 · US New app: I do not like the new app at all. It is terrible!!
  7. [R12] Royal Credit Union 3/5 · US Useful, but check deposit needs improvement.: Generally a useful app. I use it for personal and business checking and I like that I can navigate between accounts and account types easily. Unfortunately, a recent update made it so the deposit instructions are shown and have to be dismissed for the front and back photo of each check you want to deposit. This has caused check deposit to take much l
  8. [R30] Royal Credit Union 2/5 · US Impossible to navigate: RCU is great & all, but this app is terrible to navigate. I can’t find the receipts of my non-Royal account-> Royal loan payments. External transfers to non-Royal accounts are incredibly hard to initiate. You have to click way too many things to get to basic functions. Not a good app at all.
  9. [R16] Royal Credit Union 1/5 · US Not only is their customer service sub par, so is their internal system.: Every time I go into a branch location. There are new associates. They can barely keep staff on. My account had to be set up a minimum of 5 times because they kept entering my information in wrong. The list goes on and on.
  10. [R18] Royal Credit Union 3/5 · US Very disappointed: I have multiple accounts and asked to be notified if any are about to be charged fees for inactivity. “This is not allowed” is what I’m told. This is also very poor customer service.
  11. [R32] Royal Credit Union 1/5 · US Worst: This app never works properly and the transfer system is broken. Most employees know nothing of its structure and overall the company is a joke. It’s a corporation disguised as a friendly neighborhood business. High turnover rate, no real reason to give them your money. Stick with big banks that have power in the market. This is just a new fave trying to buy up Wisconsin.
  12. [R9] Royal Credit Union 3/5 · US SSL Errors: Fairly constant SSL errors preventing most functions from working properly. Usually when accessing credit card info or paying from an external account. (This has been for over a year!)
  13. [R15] Royal Credit Union 3/5 · US Very basic banking app: It works. It connects to a separate Fiserv platform for credit card payments. The buttons for credit card payments, statements, and rewards often do not work. I haven’t been able to see a CC statement on the app. I’m okay that RCU has a very basic app, because they have the lowest rates around.
  14. [R51] Navy Federal Credit Union 2/5 · US Always under maintenance: WHYYYY is this app constantly under maintenance? I try to open in and half the time I can't even check my account or transfer money because they're "conducting scheduled maintenance." I've never dealt with a banking app or any app like this where it's always undergoing some sort of service, like this is so frequent that it has irritated me enough to the point of writing a
  15. [R52] Navy Federal Credit Union 4/5 · US Love NFCU: I generally have no complaints about NFCU, but recently, I am finding it difficult to look at my certificate details. I hit the arrow to expand that section. Sometimes it immediately closes back up, sometimes it lets me scroll down for a second or two before it closes back up.
  16. [R53] Navy Federal Credit Union 3/5 · US The Maintenance shut down is annoying: Eveytime I need to get into my bank I gotta worry if it in maintenance or not like at least give me a warning
  17. [R54] Navy Federal Credit Union 1/5 · US Unacceptable: I live in Hawaii and the navy federal app is almost always being worked on. Definitely open another bank!
  18. [R65] RBFCU 1/5 · US Unsatisfactory ability to navigate your app: I have been a member of RBFCU since 1977 and I have lately had no ability to transfer any money from my account to any other account and I am not satisfied with the cure that you folks have given me. I am considering taking my money account elsewhere.
  19. [R66] RBFCU 5/5 · US RBFCU: RBFCU is the truth, get your account today! No hidden fees like regular banks, this is like A Lexus vs a Nissan
  20. [R67] RBFCU 3/5 · US Chat Messenger: The chat messenger hasn’t worked for a year.
  21. [R68] RBFCU 1/5 · US never received debit since 12/2025: TERRIBLE ! i have ordered my debit card since 12/2025 and have yet to receive it.. same with my Credir card but it came in after 5 months.. this is so ridiculous.. cant believe i haven’t had my debit since December.. just been using it on apple pay and re ordering it and it never arrives..
  22. [R79] America First Credit Union 1/5 · US Garbage: Difficult to navigate and won’t read checks that I’m trying to deposit.
  23. [R80] America First Credit Union 5/5 · US Great: What a good credit union
  24. [R81] America First Credit Union 3/5 · US 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.
  25. [R82] America First Credit Union 1/5 · US 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.
  26. [R93] Redwood Credit Union 1/5 · US Update App asap: Love the bank but…. The app needs help . The Face ID is NOT great at working .
  27. [R94] Redwood Credit Union 5/5 · US Best Bank ever: This bank has been good to me and I plan on staying a customer for as long as I am able to be a loyal customer. five star customer service and five star banking service.
  28. [R95] Redwood Credit Union 1/5 · US Stuck on loading screen: App doesn’t open
  29. [R96] Redwood Credit Union 5/5 · US Credit Unions Matter: I have been a long time member of the Redwood Credit Union and have reaped many benefits from this financial relationship. I have been given personal loans, credit cards and manage all of my personal and savings accounts with RCU. The customer service I receive here is exemplary and how my money is used to support my community gives me ethical peace. Keeping my money availabl
  30. [R107] CommunityAmerica Credit Union 1/5 · US Too many bugs: Last update required to login multiple times. The current app won’t open the keyboard. This app is clunky and never smooth.
  31. [R108] CommunityAmerica Credit Union 4/5 · US Community America App: Sometimes the app crashes on me, where I’ll have to login four times before it stays open. In addition, Citi takes a little too long to pull the amount that we paid on the app. It takes three business days for it to reflect on my bank account. Outside of that, I Thank Citi for its services.
  32. [R109] CommunityAmerica Credit Union 3/5 · US App closes out after putting in password: Have to have this app because it's my bank but it's very frustrating that my app closes every single time I put in my password and enter, just immediately kicks me out of the app. It's a fine app besides this bug.
  33. [R110] CommunityAmerica Credit Union 1/5 · US Credit card alerts: Still not getting transaction notifications on my iPhone 16. Was hoping the new update would fix it, but sadly no. I know the developers are aware. When will a fix come?
  34. [R44] Royal Credit Union 1/5 · US Unsuable: The new check capture is AWFUL. I’ve been mobile depositing checks since this technology became available, and this latest version is unusable. I’m going to have to physically go to the bank to deposit my checks… which is ridiculous. I’ve been a RCU member for 25 years and if this isn’t improved quickly I’ll be switching banks.
  35. [R46] Royal Credit Union 2/5 · US Mobile deposit is awful: The update made mobile deposit even worse. It was awful before and not it’s barely useable. Every check I deposit gets flagged for review because it says it’s possibly missing payee, date, amount, and signature. They’re all crystal clear on the check. Its such a pain. RCU as a whole is amazing but I’m considering switching banks just because of how bad the app is.
  36. [R36] Royal Credit Union 1/5 · US Login struggles: Logging in is a struggle itself, most of the time it won’t let me gain access. The fact that it is also hard to transfer money is also beyond me. Needs some serious work.
  37. [R40] Royal Credit Union 2/5 · US Frustrating Experience: Sad to see this app experience go backward. Last I logged in, I attempted to copy/paste my username and password into the log in info screen. The app wouldn’t allow me to paste. Given this I decided I’d try to type my password out. I needed to swap between apps to see my password and swap back to type, multiple times. Only catch was every time I’d swap between apps, the p
  38. [R50] Royal Credit Union 1/5 · US Login is currently broken: Needs a fix
  39. [R2] Royal Credit Union 5/5 · US 5 stars: I’ve had royal credit union for over 15 years. The people are great, the app is great, the fraud prevention is great, everything is great. If you have questions, you can call and talk to a real human from the United States in just a few minutes and they will know exactly how to help you. I don’t plan on leaving royal credit union anytime soon. They have half my mortgage, several car loans
  40. [R14] Royal Credit Union 5/5 · US Excellent customer service: Great customer service every time. Prompt & always outgoing every time!

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