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

America First Credit Union vs Chase Mobile®

America First Credit Union 4.8★ · Free to download · ⚠ stale 60
Winner Chase Mobile®
Chase Mobile® 4.8★ · Free to download 80

Chase Mobile® generally offers a more reliable and user-friendly experience compared to America First Credit Union, which is plagued by frequent technical issues and maintenance.

Full reviews: America First Credit Union · Chase Mobile®

America First Credit Union (AFCU) struggles with consistent app functionality, including frequent maintenance, login issues, and difficulty with payments. Chase Mobile®, while not without its flaws like forced updates and some feature complaints, is largely praised for its ease of use, reliability, and comprehensive features.

Head to head

Features edge: Chase Mobile®R1R4R8R15
America First Credit Union America First Credit Union offers convenient in-app options and card controls, and some users appreciate its spending categorization and savings encouragement R8. However, users report issues with specific features like mobile check deposit R1, making online payments R4, transferring funds within accounts R15, and Zelle functionality R18. Some find the app outdated and slow to update transactions .
Chase Mobile® Chase Mobile® users appreciate its ability to move money between accounts, make deposits, and send/receive transactions via Zelle R77. It also offers customizable home pages and card management . However, some users report issues with features like Chase Pay in 4 , auto-payments not working R73, and a clunky Ultimate Rewards redemption process . The app also removed a popular feature for linking Amazon purchase receipts .
Ease of Use edge: Chase Mobile®R1R8R17R18
America First Credit Union Many America First Credit Union users find the app easy to navigate and use R8R17. However, a significant number of users describe it as difficult to navigate, not user-friendly, and having a horrible interface R1. Some iPhone SE users experience functions being off-screen R18.
Chase Mobile® Chase Mobile® is frequently praised for being easy to use, user-friendly, and simple to navigate R65R71R74R77. Users appreciate the quick access with biometrics . However, some find it not very user-friendly compared to other banking apps , and recent updates have made it less user-friendly for some, with hidden cards and difficulty seeing balances . There are also complaints about the font size .
Reliability edge: Chase Mobile®R3R7R10R12
America First Credit Union America First Credit Union suffers from significant reliability issues, including constant maintenance that makes the app unusable R7R12R16R21, frequent login problems with Face ID not working or being disabled R3R10R13R23, and slow or non-updating transactions . Users report the app 'never works' or is 'continually broken' R12.
Chase Mobile® Chase Mobile® is generally seen as reliable, with many users stating the app has 'never given me problems' R71 and they 'feel confident' using it . However, some users experience issues with biometrics (Face ID) not remembering or working, leading to constant password entry . There are also complaints about the app being laggy and logging users out , and forced updates causing access issues for older phones .
Price/Value tieR2R5R11R22
America First Credit Union America First Credit Union is a credit union, and many users express loyalty and satisfaction with the overall institution and its services R2R5R11R22. However, some users complain about slow instant transfers and being denied applications despite good credit R35.
Chase Mobile® Chase Mobile® users appreciate the convenience and services offered . However, some users complain about high annual fees , predatory overdraft fees , and a lack of good benefits . There are also reports of credit limits being dropped .
Support edge: America First Credit UnionR15R32R34R35
America First Credit Union America First Credit Union members generally praise the customer service at branches and over the phone R32. However, some users report long hold times, calls being disconnected , and unhelpful responses regarding app issues R15. There's a desire for text-based support for specific account actions R34.
Chase Mobile® Chase Mobile® users frequently complain about poor customer service, describing it as 'useless' or 'horrible' . Many express frustration with AI or bot responses that don't provide real help R73, and a strong desire for live chat service with human agents R78.
Pick America First Credit Union if

Pick America First Credit Union if you prioritize strong in-person customer service and are willing to tolerate frequent app maintenance and occasional technical glitches R32R7.

Pick Chase Mobile® if

Pick Chase Mobile® if you value a generally reliable and easy-to-use mobile banking app for everyday transactions, despite some complaints about customer service and specific feature issues R71R74R77.

Evidence note: America First Credit Union has a smaller number of reviews, with a higher proportion of recent negative reviews focusing on app functionality and reliability. Chase Mobile® has a vast number of reviews, with a mix of positive feedback on ease of use and negative feedback on specific features and customer service.

Frequently asked

Does America First Credit Union's app have login issues?
Yes, America First Credit Union's app frequently has login issues, with users reporting Face ID not working, being disabled often, and needing to constantly update passwords or enter codes R3R10R13R23.
Is Chase Mobile® easy to use?
Yes, Chase Mobile® is widely considered easy to use and navigate, with many users praising its simplicity and convenience for checking balances, making payments, and moving money R65R71R74R77.
Are there frequent maintenance issues with the America First Credit Union app?
Yes, many America First Credit Union users report frequent and frustrating maintenance periods that make the app inaccessible, sometimes weekly, preventing them from accessing bank information or making payments R7R12R16R21.
Does Chase Mobile® offer live chat support?
No, Chase Mobile® users frequently request a live chat service with human agents, as they often encounter unhelpful AI or bot responses when seeking assistance R73R78.

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. [R17] America First Credit Union 4/5 · US Good job: I like it very much very easy to you it helps me save. My money
  6. [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.
  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. [R22] America First Credit Union 5/5 · US Project Manager: I love America First and their app. We’ve been members for 30 years and never plan to leave. Keep up the great work on your member’s behalf!
  15. [R32] America First Credit Union 5/5 · US Great Financial Institute: I absolutely love the AFCU app and credit Union. They help manage my finances. Great service at every branch.
  16. [R34] America First Credit Union 4/5 · US Easy Access to my Account: The security cannot be outdone, and AFCU stays abreast of the newest and most secure technology. Their system isn’t bogged down with a thousand AI gate keepers, yet the confidence remains intact. The only aspect that needs looking into is questions when pertaining to a specific action on said account, not a FAQ check. Basically, a person who answers text questions would
  17. [R35] America First Credit Union 1/5 · US This bank sucks: They don’t work after 5 pm, the instant transfer can take an eternity, they always have an excuse to deny you any application, even if you have great credit record and score, costumer services awful, IA always transfers to the wrong representative. Worst of the worst.
  18. [R13] America First Credit Union 2/5 · US Login issues: Authentication failed.
  19. [R23] America First Credit Union 1/5 · US Great when it works: I dread using the app as I balance my checkbook for the app usually forgets my password by saying the token has expired. It then deletes my password from my stored passwords, and like today, my wife is shopping and cannot send me the password or the access code. It just stinks because it happens monthly. You would think an app would work for longe r than a month.
  20. [R65] Chase Mobile® 5/5 · US Genial: Fácil de usar, segura, servicios rápidos
  21. [R71] Chase Mobile® 5/5 · US Amazing: Thank you Chase, the app has never given me problems. I can do, everything on here.
  22. [R74] Chase Mobile® 5/5 · US Easy: Just wanted to note how easy this app is to use.
  23. [R77] Chase Mobile® 5/5 · US No Complaints: This app is easy! I can move money between accounts, make deposits & receive transactions thru Zelle. It’s a “Do it All App!”
  24. [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
  25. [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.
  26. [R73] Chase Mobile® 2/5 · US Sucks: Features don’t really work. Especially with autopay, I’ve had it enabled for months yet none of my payments have been automatically taken out therefore accruing interest and late fees. You can’t get quick online chat help because of stupid AI or bot responses that don’t get you anywhere. APYs suck as well
  27. [R78] Chase Mobile® 3/5 · GB Need to offer Live chat service: Please offer live chat service with live humans not robot. Even if there is wait time for the response.

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