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

Redstone Federal Credit Union vs Ascend Federal Credit Union

Redstone Federal Credit Union 4.8★ · Free to download 65
Winner Ascend Federal Credit Union
Ascend Federal Credit Union 4.9★ · Free to download · ⚠ stale 70

Ascend Federal Credit Union has a slight edge over Redstone Federal Credit Union due to better overall app stability and customer service, despite both apps receiving numerous complaints about recent updates and mobile deposit features.

Full reviews: Redstone Federal Credit Union · Ascend Federal Credit Union

Both Redstone Federal Credit Union and Ascend Federal Credit Union apps receive mixed reviews, with many users expressing dissatisfaction with recent updates and mobile deposit functionality. Ascend slightly outperforms Redstone in terms of overall app stability and customer support responsiveness, though both have areas for improvement.

Head to head

Features tieR15R49R51R40
Redstone Federal Credit Union Redstone users report issues with specific features like bill pay, which only offers a minimum payment option for credit cards and makes custom amounts difficult R15. Some users also note that scheduling future transfers is no longer possible R49 and struggle to find bill pay R51. There's a request for a 'buckets' category for saving R40 and complaints about not being able to access bank statements and correspondence .
Ascend Federal Credit Union Ascend users report problems with Zelle not working and the removal of the card lock option . The app is also described as nearly useless for mortgage loans, with payment options leading to empty pages . Users also miss the ability to deposit checks into linked accounts from their main account .
Ease of Use tieR4R18R22R34
Redstone Federal Credit Union Many Redstone users find the app's new update and layout to be not user-friendly, cluttered, and confusing R4R18R22R34. Some report the app won't open, requiring reinstallation and password resets R12. Users also complain about constant review prompts and annoying messages to update the OS or app even when on the latest version .
Ascend Federal Credit Union Ascend users also dislike the new app layout, calling it awful, buggy, and laggy . Some find it difficult to distinguish between accounts and struggle with a non-responsive memo area when transferring money . However, other users praise Ascend for being easy to use and simple .
Reliability tieR19R55R12R30
Redstone Federal Credit Union Redstone users frequently report the app is slow R19R55 and crashes or won't open R12R30. The check deposit feature is a major point of frustration, described as the 'WORST' and taking up to 45 minutes R10R45. Funds availability for mobile deposits is also inconsistent and holds are placed on paychecks .
Ascend Federal Credit Union Ascend users experience a range of reliability issues, including the app locking them out , being buggy and laggy , and crashing . Mobile deposits are a significant problem, with users reporting the camera is 'wonky,' displays photos sideways, and makes it impossible to deposit remotely R73R79. Transactions are also slow to post, sometimes taking days .
Price/Value edge: Redstone Federal Credit UnionR6R4R25R47
Redstone Federal Credit Union Redstone users complain about being charged seven $25 fees for a mobile deposit that didn't go through, with only three refunded R6. There are also reports of the bank blocking online transactions for fraud R4 and running subscription payments at odd hours, potentially leading to overdrafts R25. Some users also report not receiving promised promotional bonuses R47.
Ascend Federal Credit Union Ascend users report being charged low balance fees for months without notification . One user struggled to make car payments and had issues with customer service ending help sessions early .
Support edge: Ascend Federal Credit UnionR9R28R26R60
Redstone Federal Credit Union Redstone users report issues with security and authentication, with a third-party harassing them about payments and locking cards R9. Some users mention being told they made fraudulent purchases in Hong Kong R28. However, other users praise Redstone for being willing to help with issues R26 and providing great service R60.
Ascend Federal Credit Union Ascend users generally praise the customer service, calling staff friendly, helpful, courteous, and outstanding R68R71R74R83. However, one user experienced being transferred multiple times by phone support with no resolution , and another had a help session ended early .
Pick Redstone Federal Credit Union if

Pick Redstone if you prioritize a bank that some users have found to be consistently reliable for many years R60 and appreciate a bank that is always willing to help with issues R26.

Pick Ascend Federal Credit Union if

Pick Ascend if you value strong customer service and friendly staff R68R71R74R83 and prefer an app that, despite some bugs, is generally considered easy to use by many .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Recent negative reviews for both apps heavily focus on issues with recent updates and mobile deposit functionality, which aligns with the overall mixed lifetime ratings.

Frequently asked

Are Redstone Federal Credit Union and Ascend Federal Credit Union apps reliable for mobile deposits?
Neither Redstone nor Ascend Federal Credit Union apps are consistently reliable for mobile deposits; Redstone users describe the feature as the 'WORST' and taking up to 45 minutes R10R45, while Ascend users report issues with the camera being 'wonky' and displaying photos sideways, making deposits impossible R73R79.
Do recent updates improve the user experience for these apps?
For both Redstone and Ascend Federal Credit Union, recent updates have largely led to a negative user experience, with many users describing the new layouts as not user-friendly, cluttered, buggy, laggy, and worse than previous versions R4R18R22R34.
Which app has better customer support?
Ascend Federal Credit Union generally has better customer support, with many users praising the staff as friendly, helpful, courteous, and outstanding R68R71R74R83, although some Redstone users also report positive experiences with help R26.

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. [R15] Redstone Federal Credit Union 3/5 · US Great bank, not the best app: I have several accounts with six or so banks, and this is the only one that seems to have these issues. The specific things that irritate me about this app: when I want to pay my credit card bill, every other bank offers me a selection of “minimum, current balance, statement balance, or custom.” Every one. Redstone, however, only allows “minimum,” and if you erase
  2. [R49] Redstone Federal Credit Union 1/5 · US New version sucks: All previous versions allowed for scheduling future transfers from one account to another. Not so anymore. Also, to sign off, it takes 3 steps.
  3. [R51] Redstone Federal Credit Union 1/5 · US App: Hard to find bill pay now!
  4. [R40] Redstone Federal Credit Union 4/5 · US Great app, but they need to implement buckets category just like other banking apps.: Buckets allow you to name and put a “bucket” in your checking account to save for a goal or for whatever. Say in my checking, I wanted to make a bucket for “car”. Then I transfer the amount of money that I have in my checking account into the bucket (let’s say 200$), and then it’s in the bucket, and I can still a
  5. [R4] Redstone Federal Credit Union 1/5 · US I don’t like RFCU: The app use to be so much better, this new update is not good. I don’t like how Redstone puts holds on random checks either. I’ve had a lot of problems with them blocking online Transactions for fraud. I haven’t been able to purchase online in months. No matter the store. I appreciate the effort but it’s too much. Redstone overall is not good but thats who my family has always u
  6. [R18] Redstone Federal Credit Union 3/5 · US Do not like the update: The update is not user friendly
  7. [R22] Redstone Federal Credit Union 1/5 · US App isn’t great and neither is the bank: The app changes and updates on a regular basis but they normally add things that normally don’t help much, but just adds more complexity and confusion to an already overcluttered app. The bank has the worst fraud problem with debit cards that I have ever dealt with, everyone in this area who uses them knows it, and the bank continues to deny this. App does
  8. [R34] Redstone Federal Credit Union 1/5 · US App layout: The new layout is outdated and hard to use. Previous layout was better
  9. [R19] Redstone Federal Credit Union 1/5 · US Slow: SLOW
  10. [R55] Redstone Federal Credit Union 1/5 · US This is not it: New update is so slow. It should not take as long as it does for the app to open up. EDIT: The issues still have not been resolved. Needs to be fixed.
  11. [R12] Redstone Federal Credit Union 3/5 · US Won’t even open: Every few weeks I’ll tap the app to check my account and it just won’t open. Like won’t even take me to the login screen. Each time I have to delete the app, redownload it, and hope I remember my password. It’s ridiculous and needs to be fixed. However when the app will open it’s very handy for moving money around.
  12. [R30] Redstone Federal Credit Union 3/5 · US Great app: I’ve used this app for a little over a year and it’s perfect. Except every so often when I open it, it kicks me off the app immediately.
  13. [R6] Redstone Federal Credit Union 3/5 · US Not happy that they wouldn’t refund $100 in fees or a mobile deposit that didn’t go through: Not happy that they charged me seven $25 fees because a mobile deposit did not go through. Would only refund three of them costing me $100. I’m not happy.
  14. [R25] Redstone Federal Credit Union 1/5 · US Redstone is Awful: Bank with literally anybody else, and do not use this app. They run their subscription payments at extremely odd hours so you get to wake up in the morning to see that at 4am over 100$ was involuntarily extracted from your account. Why not charge people in the morning or evening? It’s genuinely like they’re trying to overdraft you.
  15. [R47] Redstone Federal Credit Union 1/5 · US Don't join for the promotion.: They still haven't given me my $600 from my promotion and I have contacted them multiple times trying to get it but they keep ignoring the issue for some reason.
  16. [R9] Redstone Federal Credit Union 3/5 · US Is it really that good?: No Redstone is not. They use some dumb 3rd party for security and authentication. Literally harassing you about every single one of your payments. If I didn’t report it don’t bother me! Then after calling you multiple times a day from Omaha they’ll lock your card just to be petty! Extremely unprofessional and trust breaking.
  17. [R28] Redstone Federal Credit Union 1/5 · US Take your money somewhere else!: My debit card got hacked and they told me that I made that purchase and it wasn’t hacked. The purchase was made in HongKong they literally said I made it lol.
  18. [R26] Redstone Federal Credit Union 5/5 · US Amazing: They are always willing to help with any issue and correct it at once.
  19. [R60] Redstone Federal Credit Union 5/5 · US Best Bank: This has been the best bank I have ever had! Have been banking with RFC for 10 years. Has been the best decision I have done. Thank You for years of great service.
  20. [R10] Redstone Federal Credit Union 1/5 · US CHECK DEPOSIT FEATURE: This app has absolutely the WORST check deposit feature I’ve ever used. I’ve complained I’ve reviewed others have done the same with no changes or responses . It shouldn’t take 45 freaking minutes to take a picture for the deposit. FIX IT ITS NOT THAT HARD
  21. [R45] Redstone Federal Credit Union 1/5 · US The worst for mobile deposits: Trying to deposit a check on Redstone’s app is the most insufferable experience you could ever hope for. I have multiple banking apps and the others are simple and quick… not so with RFCU. You’ll lose 20 minutes over your life for every check.
  22. [R73] Ascend Federal Credit Union 1/5 · US Mobile deposits still broken: Are you ever going to fix this issue? It has been this way for 2 months now. Terrible service for your customers.
  23. [R79] Ascend Federal Credit Union 1/5 · US Mobile deposit: App issue, not bank. Camera is all wonky and won’t capture checks, making it impossible to deposit remotely. I’m a small business owner. I routinely receive checks. This is terribly inconvenient.
  24. [R68] Ascend Federal Credit Union 5/5 · US Awesome: Great bank/cu you can do a lot with this bank but do need to be updated every other week and need some alerts like deposit alerts and transaction details. They deserve the credit that they need because they are friendly plus outstanding people.
  25. [R71] Ascend Federal Credit Union 5/5 · US Great App: Easy to use. Fast response for support. Helpful friendly staff a few key strokes away
  26. [R74] Ascend Federal Credit Union 5/5 · US The best one!: I adore this credit union! Fast, friendly, courteous, thoughtful and fun!!!
  27. [R83] Ascend Federal Credit Union 5/5 · US Exceptional!: I am happy to be part of ASCEND FCU! It never lets me down and has the BEST customer service. It feels like family :)

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