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

America First Credit Union vs Chime®

America First Credit Union 4.8★ · Free to download · ⚠ stale 45
Winner Chime®
Chime® 4.8★ · Free to download 60

Chime is generally preferred for its modern features and ease of use, despite significant issues with customer service and fraud protection, while America First Credit Union struggles with app reliability and outdated functionality.

Full reviews: America First Credit Union · Chime®

Chime offers a more modern banking experience with features like early direct deposit and credit building, but faces serious criticism for its customer service and handling of fraud. America First Credit Union's app is plagued by frequent maintenance, login issues, and an outdated interface, despite some users praising its overall credit union services.

Head to head

Features & Functionality edge: Chime®R1R4R10R15
America First Credit Union America First Credit Union users report difficulties with basic functions like mobile check deposits, online payments, and transferring funds within accounts R1R4R15. Some users also find the interface outdated and struggle with finding account numbers or distinguishing between cards R10. There are also complaints about functions being out of view on smaller screens .
Chime® Chime users appreciate features like early direct deposit, the credit builder card, and cash back rewards R62R93. However, some find the app has 'too much going on' with information and promos . Users also desire features like a running balance next to transactions and clearer cash back attribution . There are also issues with check deposit functionality being removed for some users .
Ease of Use & Reliability edge: Chime®R1R3R7R10
America First Credit Union Many America First Credit Union users describe the app as difficult to navigate and prone to glitches R1. Frequent maintenance, sometimes weekly, makes the app inaccessible and frustrates users R7R12R16R21. Login issues, including Face ID failures and forgotten passwords, are common R3R10.
Chime® Chime is generally considered easy to use and navigate . However, some users report Face ID issues and needing to constantly log out and back in for the app to work . There are also complaints about tax filing issues due to name discrepancies and problems with activating new cards .
Customer Service & Support tieR19R35R45R61
America First Credit Union America First Credit Union users report long hold times and disconnections when trying to reach customer service R45. Some also mention that employees at branches are not always helpful R19 and that instant transfers can take a long time R35.
Chime® Chime faces significant criticism for its customer service, with users describing it as 'awful' and unhelpful . Many users report difficulty contacting a live person R75 and issues with dispute resolution, often feeling unsupported when scammed R61R67R70.
Reliability & Trust tieR7R12R16R21
America First Credit Union America First Credit Union users experience frequent app outages due to maintenance R7R12R16R21. There are also reports of cards being denied for no reason R21 and fraud reports stopping cards when traveling out of state . Some users also note slow transaction updates .
Chime® Chime users frequently report issues with fraud and scams, stating that Chime does not adequately protect their money or help resolve disputes R61R67R70. There are also complaints about delayed or unreceived direct deposits and issues with referral bonuses not being paid R78. Some users express concern that Chime is not a 'real' bank and question its FDIC insurance .
Price & Value edge: Chime®R37R45R69R78
America First Credit Union America First Credit Union is free to download, but reviews do not explicitly discuss specific fees. Some users express general dissatisfaction with the value given the app's issues R37R45.
Chime® Chime is free to download and offers benefits like fee-free banking and credit building . However, users mention issues with 'my pay advance' holding money hostage and charging daily fees R69. There are also complaints about not receiving promised referral bonuses R78.
Pick America First Credit Union if

You prioritize a traditional credit union structure and are willing to overlook significant app reliability issues, especially if you value in-person branch service .

Pick Chime® if

You are looking for a modern, online-first banking experience with features like early direct deposit and credit building, and are comfortable with the potential for poor customer service and fraud resolution R62R93.

Evidence note: Recent reviews for America First Credit Union show a strong negative skew, highlighting persistent issues with app functionality and reliability that contradict its high lifetime rating. Chime's reviews also show a significant number of recent negative experiences, particularly concerning fraud and customer support, despite its high lifetime rating.

Frequently asked

Is America First Credit Union's app reliable?
No, America First Credit Union's app is frequently reported as unreliable, with users experiencing constant maintenance, login issues, and glitches that make it difficult to access accounts or perform transactions R7R12R16R21.
Does Chime offer early direct deposit?
Yes, Chime is praised by users for its early direct deposit feature, allowing access to funds up to two days earlier R62R93.
How is customer service for Chime?
Chime's customer service is widely criticized by users as unhelpful, with many reporting difficulty reaching a live person and dissatisfaction with how fraud and dispute cases are handled R61R67R70R75.
Are there issues with mobile deposits for America First Credit Union?
Yes, some America First Credit Union users report difficulties with mobile check deposits, including the app not reading checks and delays in funds becoming available R1R47.

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. [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. [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. [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.
  6. [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!
  7. [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).
  8. [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.
  9. [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
  10. [R61] Chime® 1/5 · US Trash: Stick to a real bank. Chime does not help you when people take your money
  11. [R12] America First Credit Union 3/5 · US Never works: This app undergoes more maintenance than a methheads car
  12. [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
  13. [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.
  14. [R37] America First Credit Union 1/5 · US Ugh: I’m ready to switch banks. The app is always messing up or over charging me. Or it won’t let me in. Ugh.
  15. [R69] Chime® 3/5 · US A good online banking service: We’ve had chime for close to ten years, and overall it has been ok. They have great perks and rewards. A few issues. One is the my pay advance. If you borrow from it and pay it back immediately with your direct deposit, you should not have to wait a week to take the same amount back or 58 a day. It can really mess your account up, so be aware if you use it. Also if y
  16. [R78] Chime® 1/5 · US Referral bonus never received: Deposited over $1200 but never received my referral bonus. Feels like scam
  17. [R62] Chime® 5/5 · US Rating: Excellent app for banking great way to make interest on your savings!! Also two day early deposit is AMAZING!!! Another thing the credit builder card is helpful for people like me who ruined their own credit. You have the chance to build it back up! Very reliable best online banking app!!
  18. [R93] Chime® 5/5 · US Chime: I Love banking with Chime. I love the “spot me” feature because sometimes I need a bit extra when unexpected costs hit, like car trouble. Getting paid two days earlier… important! Chime has also helped me improve my credit over 40 pts so far!
  19. [R67] Chime® 1/5 · US Scam: So I was scammed out of money I called chime to help and they said there was nothing they could do and that I needed to contact my bank so I called my bank they decided to side with chime and gave chime back the money but yet chime still has my account as negative for the amount that my bank gave back to chime and then chime said even though they got their money back they still expect me to
  20. [R70] Chime® 2/5 · US #Avoid: Once upon a time…a charming banking app was created. People joined it enthusiastically. Scammers smirked as they realized the company had created an unsecured realm for them to steal people’s money. The company’s AI bot and overseas customer service watched an otherwise tranquil world turn into a dark land full of shady, predatory scammers. They tried to convince the people to stay. But
  21. [R75] Chime® 3/5 · US Customer Service: There’s no way to contact anyone at chime unless you Google the customer service number
  22. [R47] America First Credit Union 1/5 · US False mobile deposit times: Deposited my money on a Monday, was told at least $225 was going to be available by 12 midnight the day of deposit. Spending more time out of my next day, I had to call them just to find out the deposit won’t be in my account for another two days. What a wonderful experience you guys put me through, can’t you feel the way I smile while typing these words.

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