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

America First Credit Union vs Amex

America First Credit Union 4.8★ · Free to download · ⚠ stale 40
Winner Amex
Amex 4.9★ · Free to download 80

Amex is the stronger choice due to its generally reliable app performance and highly praised customer service, while America First Credit Union struggles with frequent app issues and login problems.

Full reviews: America First Credit Union · Amex

Amex offers a highly functional and reliable app with excellent customer service, making it a strong choice for credit card management. America First Credit Union's app, while appreciated by some for its ease of use, is plagued by frequent maintenance, login failures, and functional bugs, leading to user frustration.

Head to head

App Reliability & Performance edge: AmexR3R7R10R12
America First Credit Union America First Credit Union users frequently report issues with app reliability, including constant maintenance, inability to log in, and slow loading times R7R12R16R21. Some users experience Face ID failures, requiring manual password entry R3R10R23R25. The app is also criticized for being outdated and slow to update .
Amex Amex users generally find the app reliable and well-functioning . However, some recent reviews mention issues with Face ID not working and the app logging out too quickly . A few users also reported slow loading times .
Ease of Use & Navigation edge: AmexR1R8R10R18
America First Credit Union While some America First Credit Union users find the app easy to navigate and use R8, others describe it as difficult to navigate, not user-friendly, and having a horrible interface R1. Specific complaints include difficulty finding account numbers R10, inability to search transactions , and functions being out of view on smaller screens R18.
Amex Amex users often praise the app for being intuitive, well-laid out, and easy to follow transactions . However, some users find it difficult , and one reported persistent 'Card Highlights' onboarding screens every time they open the app .
Features & Functionality tieR1R4R8R15
America First Credit Union America First Credit Union offers convenient in-app options and card controls R8. However, users report issues with mobile check deposits R1, inability to make online payments R4, problems with fund transfers R15R16, and delayed transaction updates . Multi-factor authentication (MFA) is also cited as problematic .
Amex Amex offers features like receipt photo uploads and is praised for tracking expenses and transactions . However, users report difficulties connecting external bank accounts , issues with rewards redemption , and redundant MFA requirements . Some also mention issues with subscription auto-renewal and unclear reimbursement processes for perks .
Customer Service & Support edge: AmexR34R35R45R46
America First Credit Union America First Credit Union receives mixed reviews for customer service. Some users praise the in-person and phone support R46, while others report awful customer service, long hold times, and calls being hung up R35R45. One user suggested an in-app text question feature R34.
Amex Amex is highly praised for its excellent customer service R65R72R74R83. Many users highlight their helpfulness with international travel and dispute resolution R74. However, some recent reviews criticize support for being unhelpful, ending chats prematurely, or having language barriers .
Value & Overall Satisfaction edge: AmexR2R5R11R16
America First Credit Union Many America First Credit Union members express strong loyalty and satisfaction with the credit union itself, often spanning decades R2R5R11. However, the app's frequent issues lead to frustration and some users consider switching banks R16.
Amex Amex users frequently express high satisfaction, calling it the 'best card' or 'best bank' . However, annual fees are a point of contention for some , and issues like sudden card freezes and poor fraud protection lead to significant dissatisfaction for others.
Pick America First Credit Union if

you are an existing America First Credit Union member who values the credit union's overall service and is willing to tolerate occasional app inconveniences R46.

Pick Amex if

you prioritize a highly reliable and functional app for managing credit cards and value strong customer service for travel and disputes R74.

Evidence note: Amex has a significantly larger number of reviews, which provides a broader perspective on user experience. America First Credit Union's reviews show a strong dichotomy between loyalty to the institution and frustration with the app.

Frequently asked

Does America First Credit Union's app support Face ID?
Yes, America First Credit Union's app supports Face ID, but many users report it frequently stops working, gets disabled, or doesn't recognize their Face ID, forcing them to manually enter credentials R3R10R23R25.
Are there frequent maintenance issues with the America First Credit Union app?
Yes, many America First Credit Union users report that the app undergoes frequent and frustrating maintenance, often making it impossible to access bank information or perform transactions R7R12R16R21.
How is Amex customer service?
Amex customer service is widely praised by users for being excellent, helpful, and providing great service for both personal and business needs, especially during international travel and with dispute resolution R65R72R74R83.

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] 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.
  2. [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!
  3. [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
  4. [R12] America First Credit Union 3/5 · US Never works: This app undergoes more maintenance than a methheads car
  5. [R1] America First Credit Union 1/5 · US Garbage: Difficult to navigate and won’t read checks that I’m trying to deposit.
  6. [R8] America First Credit Union 5/5 · US Good Banking App: Normally runs smoothly, easy to navigate. Convenient in-app options and card controls.
  7. [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.
  8. [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.
  9. [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
  10. [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
  11. [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.
  12. [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
  13. [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.
  14. [R2] America First Credit Union 5/5 · US Great: What a good credit union
  15. [R5] America First Credit Union 5/5 · US Great App: This Credit Union is Amazingly Awesome
  16. [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!!!
  17. [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
  18. [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.
  19. [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.
  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. [R65] Amex 5/5 · US Improved services: Great new card. Updated services and very helpful phone contact.
  22. [R72] 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
  23. [R74] Amex 5/5 · US Enjoy: I Love how American Express customer service help mi on my International travel after American Airlines representative at the counter would not help me. They all that I ask for help said that I need to go on the American Airlines website to enter my Advantage #. Very poor customer service from American Airlines “That is AI for you that there employees feel like they shouldn’t help there c
  24. [R83] Amex 5/5 · US Excelente: Very good service

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