Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

America First Credit Union vs Bank of America Mobile Banking

America First Credit Union 4.8★ · Free to download · ⚠ stale 60
Winner Bank of America Mobile Banking
Bank of America Mobile Banking 4.8★ · Free to download 65

Bank of America Mobile Banking has a slight edge due to its broader feature set and generally more reliable performance, despite both apps suffering from frequent login and stability issues.

Full reviews: America First Credit Union · Bank of America Mobile Banking

Both America First Credit Union and Bank of America Mobile Banking apps are plagued by frequent login problems, bugs, and maintenance issues. Bank of America offers a wider range of features, but users report a clunky interface and poor customer support, while America First users appreciate its ease of use when it works.

Head to head

Features edge: Bank of America Mobile BankingR1R4R8R15
America First Credit Union America First Credit Union offers basic banking functionalities like tracking spending and managing money, with some users finding it easy to navigate and use for these purposes R8. However, several users report significant limitations, such as difficulty making online payments R4, inability to transfer funds within accounts R15, issues with mobile check deposits R1, and a lack of transaction search functionality .
Bank of America Mobile Banking Bank of America Mobile Banking offers a wider array of features, including budgeting and investing tools , and some users praise its extensive features . However, users frequently criticize the app's design for making simple tasks difficult, such as paying credit cards or finding escrow payment options . There are also complaints about the inability to perform outbound ACH transfers and issues with mobile check deposits R75R93.
Ease of Use edge: America First Credit UnionR1R8R18R20
America First Credit Union When it works, America First Credit Union's app is described as easy to navigate and simple to use by many users, especially elderly users R8R20. However, a significant number of reviews highlight difficulties with navigation R1 and specific functions being out of view on smaller screens R18.
Bank of America Mobile Banking Bank of America Mobile Banking receives mixed reviews regarding ease of use. Some users find it easy and dependable , while others describe it as clunky, slow, and not user-friendly . The app's design is criticized for requiring too many steps for simple transactions and for being outdated .
Reliability tieR3R7R10R12
America First Credit Union America First Credit Union's app suffers from significant reliability issues, with frequent maintenance periods R7R12R16R21, login problems like Face ID not working or being disabled R3R10R25R51, and the app constantly logging users out or forgetting passwords . Users also report slow updates and general unreliability .
Bank of America Mobile Banking Bank of America Mobile Banking also faces substantial reliability problems. Many users report issues with Face ID not working , blank screens after logging in , and the app requiring frequent updates that cause issues . Some users cannot sign in at all after updates .
Price/Value tieR2R5R11R19
America First Credit Union Both apps are free to download, and reviews for America First Credit Union focus more on the value of the credit union itself, with members expressing long-term satisfaction R2R5R11. The app's value is tied to its functionality, which is inconsistent R19R21.
Bank of America Mobile Banking Bank of America Mobile Banking is also free to download. The value perception is mixed, with some users appreciating its convenience and features while others feel the app's poor functionality and customer service diminish its value, leading to frustration .
Support edge: America First Credit UnionR15R25R45R46
America First Credit Union America First Credit Union receives praise for its in-person and phone customer service R46. However, some users report issues with online support, such as being unable to get help with transfers R15, long hold times, and calls being disconnected R45. There are also complaints about slow response times for issues like fraud reports R25 and mobile deposit delays .
Bank of America Mobile Banking Bank of America Mobile Banking's customer support is widely criticized. Users report extremely long hold times , unhelpful online chat , and being bounced between online and branch support without resolution . Some also mention issues with their alert system not being as robust as competitors .
Pick America First Credit Union if

You are already a member of America First Credit Union and value their in-person customer service, and you are willing to tolerate occasional app downtime and bugs for a generally simple interface when it works R2R46.

Pick Bank of America Mobile Banking if

You need a banking app with a broader range of features, including budgeting and investing tools, and you are willing to navigate a sometimes clunky interface and deal with frequent login issues .

Evidence note: Both apps have a high lifetime rating, but recent reviews for both are heavily skewed negative, focusing on recurring technical issues, especially login problems and app instability. The free-to-download nature means all users, regardless of satisfaction, contribute to the review pool.

Frequently asked

Do these apps have reliable biometric login?
No, both America First Credit Union and Bank of America Mobile Banking apps frequently experience issues with biometric login (Face ID/Touch ID), often requiring users to re-enter credentials or reset passwords (R3, R10, R25, R51 for AFCU; , , for BofA).
Are there frequent outages or maintenance for these banking apps?
Yes, users report that both apps suffer from frequent maintenance periods and outages, making it difficult to access banking information consistently (R7, R12, R16, R21 for AFCU; , , , , for BofA).
Can I easily deposit checks using these mobile apps?
Mobile check deposit functionality is problematic for both apps, with users reporting difficulties or complete failure to deposit checks via photo (R1 for AFCU; R75, R93 for BofA).

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] America First Credit Union 1/5 · US Garbage: Difficult to navigate and won’t read checks that I’m trying to deposit.
  2. [R4] 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.
  3. [R8] America First Credit Union 5/5 · US Good Banking App: Normally runs smoothly, easy to navigate. Convenient in-app options and card controls.
  4. [R15] America First Credit Union 3/5 · US Transfers: Why can’t I transfer funds within my account. I used to be able to do that. I spoke with AFC but they couldn’t help. Help please
  5. [R18] America First Credit Union 3/5 · US Terrible on iPhone SE: Many functions are out of the screen’s view so you can’t tap them on an iPhone SE. For example, I can’t send money with Zelle because the button is below out of view, or change the bank account because that option is out of view. I’ve never had this problem with another app.
  6. [R20] America First Credit Union 5/5 · US Lo mejor de lo mejor: Me encanta la aplicación fácil y rápido de manejar
  7. [R3] 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.
  8. [R7] America First Credit Union 2/5 · US Love AFCU but the maintenance has to STOP frequently!: I love the AFCU App and it’s been so amazing to use to access my bank information! However, it’s becoming so frustrating that AFCU is constantly doing maintenance on the app all the time that it’s impossible to access my bank information instead of going to browser. Please STOP with the maintenance every single week! It’s becoming so annoying!
  9. [R10] America First Credit Union 1/5 · US Difficult to use: Not supported in locations where military travels. 3/30 Biometrics login stopped working so I have to use credentials every time I open the app. It’s difficult to find account numbers. There’s no distinction between my wife’s card and mine. It’s unclear if utilizing location on the card/app would prevent one of us from using the card since I’m traveling to the conflicted side of
  10. [R12] America First Credit Union 3/5 · US Never works: This app undergoes more maintenance than a methheads car
  11. [R2] America First Credit Union 5/5 · US Great: What a good credit union
  12. [R5] America First Credit Union 5/5 · US Great App: This Credit Union is Amazingly Awesome
  13. [R11] America First Credit Union 4/5 · US AFCU is the Best!: I’ve been a member since 1994! Still going strong. I don’t “Bank” at AFCU. I “CREDIT UNION” at a AFCU!!!
  14. [R19] America First Credit Union 1/5 · US App functionality: The app works just about as much as their employees at the branches. (Sometimes and when it feels like it).
  15. [R25] America First Credit Union 1/5 · US Nothing but problems: One account card sends a fraud report and stops the card, every time we leave out of state, which is our closest town. And stuck and very inconvenient! Card has been reissued at least 9 times a year, impossible to bill pay. Face ID, keeps turning off, and it’s not Apple doing this. To many problems with this bank, a loan we took out, completely messed up. Paid off in time.
  16. [R45] America First Credit Union 1/5 · US Terrible: Terrible app, terrible customer service, terrible all around. Made an account, consistently not allowed to login. Try calling their “amazing customer service” I keep hearing so much about, and I’m on hold for ever. Which I can understand not being their fault, but as soon as it’s finally my turn, they just hang up on me cause they don’t want to do their jobs. Not even a hello, as soon as
  17. [R46] America First Credit Union 5/5 · US AFCU is the best: I have been a loyal member for 20+ years, and will continue to be for the foreseeable future. They have the best app for online banking, they have the best customer service (in person, on the phone, and online) by far. They have the best people, hours, and locations. You can’t go wrong becoming an AFCU member, I promise you.
  18. [R51] America First Credit Union 1/5 · US App doesn’t let me log in: I CONSTANTLY have to update my password or it doesn’t recognize my Face ID. I have to constantly type my password, wait for a code just to look at my account. Making payments is also a pain. Once I’m done with my loan I will no longer bank just because this stupid app is frustrating
  19. [R16] America First Credit Union 2/5 · US app needs to be fixed: easy to use but for the love of god make it work, it loads and loads and loads, it will not let me log in, it won’t let me transfer money, it’s always under some kind of work. please send some kind of warning before literally turning the app off for the sake of us! it’s annoying and if it always has to have this dumb work done then i’m bound to switching banks because its ge
  20. [R21] America First Credit Union 1/5 · US App doesn’t work: Had America first for years and have never liked the way they show your balances. lately they have constant maintenance so you can’t get into your mobile banking, and have had at least two occurrences they announced they had issues with cards being denied for no reason.
  21. [R75] Bank of America Mobile Banking 2/5 · US Do not update for iPhone 13 mini: Deposits no longer work for the iPhone mini. I’ve talked to Bank of America support and there’s nothing they will do. It’s just bricked.
  22. [R93] Bank of America Mobile Banking 2/5 · US cant deposit check: your app doesn't work it wont let me deposit my check via photo

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