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

Coastal Credit Union vs America First Credit Union

Coastal Credit Union 4.8★ · Free to download 55
Winner America First Credit Union
America First Credit Union 4.8★ · Free to download · ⚠ stale 60

America First Credit Union has a slight edge due to generally better app reliability and fewer critical issues with core banking functions, despite both apps receiving numerous complaints about bugs and performance.

Full reviews: Coastal Credit Union · America First Credit Union

Both Coastal Credit Union and America First Credit Union apps receive mixed reviews, with many users praising their credit unions but criticizing the app's functionality. America First Credit Union appears to have a slight advantage in overall app reliability and fewer reports of critical features being completely broken, though both struggle with login issues and mobile check deposits.

Head to head

Features tieR3R5R9R13
Coastal Credit Union Coastal Credit Union users appreciate features like external account transfers and Zelle, with some finding the app well-made and user-friendly R5. However, recent updates have introduced issues, such as the inability to complete bill pay R3R34, difficulty with business account remote deposits R9, and problems syncing with other financial apps R13. Some users also dislike the addition of unwanted widgets and ads .
America First Credit Union America First Credit Union users find the app easy to navigate and appreciate in-app options and card controls . However, several users report critical features not working, including inability to make online payments R64, transfer funds within accounts R75, or use Zelle due to buttons being out of view on certain devices . Some also note difficulty finding account numbers and distinguishing between cards .
Ease of Use edge: America First Credit UnionR1R4R6R12
Coastal Credit Union While some Coastal Credit Union users find the app easy to navigate and user-friendly R35, others describe it as slow and wonky R1R12. Specific complaints include difficulty with password resets R4, a cluttered new UI , and a lack of dark mode R6.
America First Credit Union America First Credit Union users generally describe the app as easy to navigate and use . However, many report issues with the interface being outdated , difficult to use , and some functions being out of view on smaller screens .
Reliability edge: America First Credit UnionR1R4R10R15
Coastal Credit Union Coastal Credit Union's app is frequently criticized for being unreliable, slow, and prone to crashing R1R10R19. Users report long loading times, the app freezing, and issues with login and authentication R1R4R19. Mobile check deposit is a significant pain point, with many users experiencing repeated failures, crashes, and frustration R15R16.
America First Credit Union America First Credit Union's app also suffers from significant reliability issues, with frequent reports of it being down for maintenance and login problems . Users complain about slow loading , biometrics failing , and multi-factor authentication not working . Mobile check deposit is also cited as a problem .
Price/Value tieR2R14R15R58
Coastal Credit Union Coastal Credit Union is praised as a great institution with no hidden fees R2R14R15R58. Users appreciate the value of banking with a credit union rather than a large national bank R15.
America First Credit Union America First Credit Union is highly valued by its members, with many expressing long-term loyalty and satisfaction with the overall banking experience . Users feel the credit union helps them manage finances and save money .
Support edge: America First Credit UnionR4R23R35R39
Coastal Credit Union Coastal Credit Union users mention that customer support can be helpful R23R35. However, some report that customer service is not available in the evenings or on weekends for password resets R4 and that representatives couldn't help with username/password recovery R39.
America First Credit Union America First Credit Union is lauded for its excellent customer service, both in person and over the phone . However, some users report long hold times and calls being disconnected , and issues with AI transferring to the wrong representative . One user notes difficulty getting help from AFCU when they couldn't transfer funds R75.
Pick Coastal Credit Union if

Pick Coastal Credit Union if you prioritize a credit union that is praised for its overall banking experience and customer care, and you are willing to tolerate an app that frequently has performance and mobile deposit issues R14R15R58.

Pick America First Credit Union if

Pick America First Credit Union if you value a credit union with a strong reputation for customer service and overall financial support, and you need an app that, despite its own bugs and maintenance, generally offers better reliability for core functions like transfers and payments .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Both apps have high lifetime ratings, but a significant number of recent reviews for both are highly critical, indicating recent updates may have introduced substantial issues. The evidence for both apps is strong, with numerous reviews detailing specific problems and positive experiences.

Frequently asked

Which app is better for mobile check deposits?
Neither app is consistently reliable for mobile check deposits; Coastal Credit Union users frequently report the feature failing, crashing, or being unresponsive R15R16R45R47, and America First Credit Union users also experience difficulty with checks not being read .
Do these apps have login issues?
Yes, both apps frequently have login issues; Coastal Credit Union users report problems with slow logins, being locked out, and password resets R1R4R19R33, while America First Credit Union users experience frequent Face ID failures, multi-factor authentication problems, and constant password resets .
Are there issues with bill pay or transfers in these apps?
Coastal Credit Union users report that bill pay cannot be completed in the app since an update R3R34, and America First Credit Union users complain about not being able to make online payments or transfer funds within their accounts R64R75.

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] Coastal Credit Union 3/5 · US Good news, bad news: Good news: Coastal Credit Union is a great institution and the iPad app finally works in landscape orientation. Bad news: Since some update to the app or iOS, bill pay can’t be completed in the app, so it’s just a convenient way to check your balances. This glitch also affects the Mac laptop. Why?
  2. [R5] Coastal Credit Union 5/5 · US Coastal app: Always works great for me! Checking loot. Transferring loot. Clock it 👌
  3. [R9] Coastal Credit Union 3/5 · US Remote Deposit Downgraded: The recent upgrade eliminated my ability to make a remote deposit to my Business Checking account - a capability I’ve had for several years. The call center agent said I would need to set up a separate online ID for the business accounts, a needless complication in my user experience. This loss of functionality was not included in pre-upgrade communications, so perha
  4. [R13] Coastal Credit Union 1/5 · US Lies: Can’t sync my account with Monarch or anywhere else. When I try, Coastal says to open the bank app to approve the connection. So I open your app, and… nothing happens! WHERE am I supposed to approve the connection request? Didn’t have this problem with the old app.
  5. [R1] Coastal Credit Union 1/5 · US Unreliable: Sometimes the app works like you would expect an app to work in 2026. Most of the time it works like dialup. I’ll tap on something to access it and I wonder if my phone has frozen or locked up. If I tap on my checking account to see transactions, it can take up to 15 seconds for it to open.
  6. [R4] Coastal Credit Union 1/5 · US App needs a rework: Have been a Coastal member since 2003. Unfortunately the last year of using the app has presented some issues from an end user perspective. How does one reset the password? This is basic functionality that does not exist in the app. One is prompted to call customer service which is not available in the evenings or on weekends. We have been locked out of our account for two d
  7. [R6] Coastal Credit Union 3/5 · US Wish it had dark mode: Loving the new update, looking modern and has nice features for managing everything. I just wish there was a toggle for dark mode, that would convince me to no longer need another banking app
  8. [R12] Coastal Credit Union 3/5 · US Bank is great, app is wonky most days: The bank and stag are great. The app is hit or miss and sometimes features don’t work consistently
  9. [R10] Coastal Credit Union 1/5 · US Bug fix broke it entirely: Sigh. The children are back at Coastal. The bug fixes today broke the app completely. Someone call the adults and let them know what the kids are doing.
  10. [R15] Coastal Credit Union 3/5 · US Mobile deposits: I love working with Coastal and the fact that it’s not one of these huge national for profit banks. However, their mobile app leaves much to be desired, particularly when it comes to depositing a check. Over the course of several different, smart phones with increasingly better cameras, the check capture photography often times does not work to the point of frustration. Need to ge
  11. [R2] Coastal Credit Union 5/5 · US Great banking: I love your banking at CCoastal
  12. [R14] Coastal Credit Union 5/5 · US Satisfied Customer: Coastal Credit Union cares about our banking needs.
  13. [R58] Coastal Credit Union 5/5 · US Online banking: The experience is always pleasant. The best decision o ever made was open an account with Coastal Credit no hidden fees and always taking care of the customers.
  14. [R23] Coastal Credit Union 5/5 · US Great app: Great app after you figure things out and you can always call customer support.
  15. [R35] Coastal Credit Union 5/5 · US I love you Coastal: Might be biased cause this is the only bank I’ve had. The app is genuinely so easy to navigate, the chat box never has a long wait & you can do so many things without needed to get on a call.
  16. [R39] Coastal Credit Union 1/5 · US Single worst update a bank could make: They updated the whole system and made it worse. I can’t login and god forbid you try to call a representative about it. Don’t try they can’t help you recover your username or password now. You have to do it through the app. And guess what??? If the app just DOESN’T send you your code you can’t get into your bank account!!! I love when these people play with
  17. [R16] Coastal Credit Union 1/5 · US Check deposit: This is SOOOOO frustrating and does not work. I want to save time and coastal credit union adds more stress and wastes time 2026 i am leaving you toxic folks behind!
  18. [R45] Coastal Credit Union 1/5 · US Check deposit: Long-standing problem: the phone app is NOT RESPONSIVE AT ALL for online check deposits: it requires numerous tries (8, at last count) before photos of the check are taken. Going forward, I am moving all my deposits to another institution.
  19. [R47] Coastal Credit Union 1/5 · US Mobile Deposit Feature Stinks: The mobile deposit feature on this app is so finicky. Half the time it rejects the deposits even when following the instructions for endorsing and imaging to a tea. I can't tell you how many times I've had to drive to the bank to deposit a check due to this feature not working properly. Please get this fixed!!
  20. [R19] Coastal Credit Union 1/5 · US Verify you are human error: App just asks to verify you are human and spins forever
  21. [R33] Coastal Credit Union 3/5 · US Lots of trouble signing on: I had to reset my password twice to get in
  22. [R34] Coastal Credit Union 2/5 · US iPad users are out of luck: The new app makes what was already a subpar experience on the iPad even worse. I’m using iPadOS 26. Most egregious is you can’t use Bill Pay. Once you enter the amount to pay for a payee, you are not able to scroll up far enough to get to the button to submit the actual payment. Landscape or portrait makes no difference. Hard to believe this glaring glitch could have
  23. [R64] 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.
  24. [R75] 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

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