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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Apple Federal Credit Union vs Amex

Apple Federal Credit Union 4.9★ · Free to download 40
Winner Amex
Amex 4.9★ · Free to download 80

While both apps have high lifetime ratings, Amex offers a significantly more reliable and user-friendly app experience, whereas Apple Federal Credit Union's app is plagued with technical issues and a dated interface.

Full reviews: Apple Federal Credit Union · Amex

Amex provides a robust and reliable app experience with excellent customer service, despite some recent UI complaints. Apple Federal Credit Union's app, however, suffers from frequent crashes, slow performance, and a clunky interface, making basic banking tasks frustrating for many users.

Head to head

App Reliability & Performance edge: AmexR1R3R4R12
Apple Federal Credit Union Many Apple FCU users report frequent app crashes, login issues, and slow performance R1R3R4. Specific features like mobile deposit often glitch or fail R12R26R32R54. Some users experience white screens or the app not opening at all R1.
Amex Amex users generally find their app reliable and fast . However, some recent updates have introduced issues like unexpected logouts and constant verification requests , and a few users report the app logging them out in the middle of a dispute .
User Interface & Experience edge: AmexR4R9R16R20
Apple Federal Credit Union Apple FCU's app is criticized for feeling 'behind the times' and having poor UI/UX design R9R20. Users find it hard to navigate, with features not being where they should be R4R16. Some report issues with account names being cut off with larger fonts , and the app is described as a 'dashboard for their website' rather than a true app R24.
Amex Amex generally receives praise for its 'cleanest interface' and ease of use . However, recent updates have led to complaints about changes making it harder to see what's paid or to view billing dates . Some find it difficult to navigate beyond basic functions .
Features & Functionality edge: AmexR6R10R12R20
Apple Federal Credit Union Apple FCU users report significant issues with key features like Zelle, stating it 'barely works' or 'never works' R6R10R20R24. Mobile deposit is frequently problematic R12R26R32R54. The app is also criticized for not providing real-time accurate information, requiring users to access the full website for correct details . Biometric login had issues with older phones .
Amex Amex offers features like control of other users and notifications , and benefits like points towards flights and hotels . Some users desire more competitive APY on savings and year-round referral availability . There are complaints about 'Pay It' tab not showing and limits on its use , and issues with Apple Pay for large purchases .
Customer Service & Support edge: AmexR2R8R10R24
Apple Federal Credit Union Apple FCU receives mixed reviews for customer service. Some users praise the staff as professional, courteous, and helpful R2R8, while others describe 'terrible service' and 'long phone wait times' R10. One user noted that customer service is only available during business hours and that disputing transactions requires physical forms R24.
Amex Amex is highly praised for its 'excellent customer service' R66R89R91. Users report quick responses, thorough help, and problems being solved immediately . However, some recent experiences include difficulty reaching customer service for disputed claims, with reports of being unable to talk to the relevant department R70.
Overall Value & Satisfaction edge: AmexR5R7R8R10
Apple Federal Credit Union Many long-term Apple FCU members express satisfaction with the bank itself, citing it as trustworthy and reliable over years R5R8. However, the app experience significantly detracts from overall satisfaction, leading some to consider moving to another bank due to app issues R7R10R24.
Amex Amex users generally express high satisfaction with the cards and their benefits . Despite some recent app UI changes and occasional customer service frustrations, many consider it the 'best card ever' R91. Negative experiences often relate to credit limit reductions or account cancellations .
Pick Apple Federal Credit Union if

Pick Apple Federal Credit Union if you prioritize a credit union experience and are willing to tolerate an app with significant technical flaws and a dated interface, or if you primarily interact with the bank in person R2R8.

Pick Amex if

Pick Amex if you value a generally reliable and feature-rich app experience, excellent customer service for card-related issues, and the benefits and perks associated with American Express cards R89.

Evidence note: The reviews for Apple Federal Credit Union show a strong dichotomy: many users praise the credit union's in-person service and long-term banking relationship, while simultaneously criticizing the app's poor functionality. Amex reviews, while generally positive for the card and service, show a recent trend of frustration with app UI changes and some specific customer service interactions regarding disputes or account changes.

Frequently asked

Is the Apple Federal Credit Union app reliable for mobile deposits?
No, many users report significant issues with the mobile deposit feature, experiencing frequent 'photo errors' and app crashes when trying to deposit checks R12R26R32R54.
How is Amex customer service?
Amex customer service is widely praised as excellent, with users highlighting quick responses, thorough help, and immediate problem resolution R66R89R91. However, some recent reviews indicate difficulty reaching specific departments for disputed claims R70.
Does the Apple Federal Credit Union app support Zelle?
While the website may have instructions, many users report that Zelle integration with the Apple Federal Credit Union app 'barely works' or 'never works,' leading to frustration R6R10R20R24.

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. [R1] Apple Federal Credit Union 1/5 · US Too Many Faults: For 2 weeks it has been failing a lot! It doesn’t open the application and I’ve already had to uninstall it several times. This is unfortunate. 06/20/2026
  2. [R3] Apple Federal Credit Union 3/5 · US Review about the App: It is a little slow and take a couple refreshes so work correctly but over all not bad but could use some work to run smoothly
  3. [R4] Apple Federal Credit Union 1/5 · US Awful: I’d rather roll naked through a pile of broken glass than have to use this app. My god. Half the time it doesn’t load and the other half you go into the wrong area because nothing is where it should be. I’ve used Key bank for most of my life and their app is made by competent people. Maybe try that.
  4. [R12] Apple Federal Credit Union 3/5 · US Mobile deposit: The mobile deposit feature is bad. Every time I try to us this function I have nothing but “photo errors”. I go to my other bank app and it all works flawlessly. PLEASE FIX THIS
  5. [R9] Apple Federal Credit Union 3/5 · US Modernize: This app could be 100% much better than what it currently is. To me this app feels behind the times. It seems like this app would have been just OK the way it is now about 5 years ago. Come on APPLE FCU let's catch up please!
  6. [R16] Apple Federal Credit Union 2/5 · US App interface: This app interface is too hard to navigate and some I can not even look at it. Previous versions was perfect.
  7. [R20] Apple Federal Credit Union 1/5 · US It’s 2025: Honestly don’t know how I’ve survived so many years using this bank. It’s always had its flaws and honestly very few benefits to youth whom are related to educators which is a major part of the business model. It used to be better but the technology hasn’t been kept up, think poor UI/UX design, lag, difficulty with navigation etc. Biggest issue now is that although the website has instr
  8. [R6] Apple Federal Credit Union 3/5 · US My low reviews on Apple FCU:: Hello there, just the other day someone sent me money through Zelle & have yet to see it in my account‼️ WHY?
  9. [R10] Apple Federal Credit Union 1/5 · US Terrible bank: This bank is literally the worst and has failed me time and time again. They have terrible service, long phone wait times, a terrible app that barely works, and such limited services. Jsut recently they canceled a credit card I was using abroad without my consent and refused to make it work again even after calling several times. They also barely work with Zelle. I genuinely hate th
  10. [R2] Apple Federal Credit Union 5/5 · US Great Service: Always a pleasure to deal with the young people that serve me. Particularly Jurgen.
  11. [R8] Apple Federal Credit Union 5/5 · US Growth over a decade: . Since 2015. I’ve seen the growth and development of AFCU and I am proud to be a member. I am grateful to the entire team for prompt service/ professional feedback/ detailed Information over the years when my financial concerns and ideas were shared. I can’t complain. Good business.
  12. [R24] Apple Federal Credit Union 1/5 · US Just Awful: Bank at your own risk! The technology at this bank is seriously lacking. The app isn't an app, its a dashboard for their website, which also barely works. Zelle never works. Customer service is only available during business hours. If you want to dispute a transaction you have to print a form and hand deliver it to the branch. They process transactions when THEY want not when you swipe
  13. [R5] Apple Federal Credit Union 5/5 · US Only at Apple…!: Has been my bank for years and NOT once has failed me as a customer. #1bank..!
  14. [R7] Apple Federal Credit Union 1/5 · US Trash - logging and interface: Trash - logging and interface Will be moving to another bank
  15. [R26] Apple Federal Credit Union 1/5 · US Mobil deposit Issue: The app glitches and crashes when I try to make a mobile deposit when I get ready to hit submit after taking photos of my check.
  16. [R32] Apple Federal Credit Union 1/5 · US Crashes when depositing: I can not deposit without this app crashing multiple times when i deposit checks…
  17. [R54] Apple Federal Credit Union 1/5 · US This app doesn't work well: It's a pain in the neck every time I have to make a mobile deposit. It always says it's a problem with the cropping of the picture of the check. If I could give zero stars, I would. No other app does that. I don't recommend this app.
  18. [R66] Amex 3/5 · US Excellent card for real life: I am so pleased with the service of American Express. It allows us the freedom to blend business and personal life. I will never be without it. Thank you. Customer service is excellent
  19. [R70] Amex 1/5 · US Trying to resolve a disputed claim: The CS experience awful. You can only text them not knowing if you have reached a real person. You can’t talk with anyone in the the department that handles the claims. I sent a fax and asked if it was received and was told they have no way of reaching that department.
  20. [R89] Amex 5/5 · US Best Card: I love the customer service they provide.
  21. [R91] Amex 5/5 · US Quick and eager to help: The best card ever

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