Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Arrowhead Mobile Banking vs America First Credit Union

Arrowhead Mobile Banking 4.9★ · Free to download 65
Winner Arrowhead Mobile Banking
America First Credit Union 4.8★ · Free to download · ⚠ stale 60

Arrowhead Mobile Banking is slightly better for general banking tasks and transfers, but both apps suffer from significant login and reliability issues.

Full reviews: Arrowhead Mobile Banking · America First Credit Union

Arrowhead Mobile Banking and America First Credit Union both offer essential mobile banking features, but user reviews highlight persistent problems with app stability, login processes, and specific functionalities like Zelle and mobile deposits. Arrowhead has a slight edge in overall user satisfaction despite its flaws.

Head to head

Ease of Use & Navigation edge: Arrowhead Mobile BankingR2R5R9R11
Arrowhead Mobile Banking Many users find Arrowhead's app easy to navigate and use for basic banking tasks like transfers and checking balances R2R11. However, some describe the UI as cluttered and not user-friendly, with issues like a persistent chat bubble R5R9.
America First Credit Union America First users generally find the app easy to navigate and use for tracking spending and managing finances . However, some reviews criticize the interface as horrible, outdated, and not user-friendly, making it difficult to find account numbers or make payments R61.
Reliability & Performance tieR1R4R5R7
Arrowhead Mobile Banking Arrowhead users frequently report issues with the app crashing, being slow, and glitchy R4R5R7R10. Authentication errors and being repeatedly logged out are common complaints R1R4R7R10.
America First Credit Union America First suffers from frequent maintenance, making the app inaccessible . Users also report the app being slow, glitchy, and experiencing login failures and authentication issues .
Login & Biometric Authentication tieR4R5R10R18
Arrowhead Mobile Banking Many Arrowhead users are frustrated by the app frequently forgetting their login credentials, requiring manual entry of ID and password, and re-authorizing Face ID multiple times R4R5R10R18. Password resets are also reported as difficult .
America First Credit Union America First users consistently report issues with Face ID not working or being disabled, forcing them to repeatedly enter credentials R63. Multi-factor authentication (MFA) is also problematic, with text services failing to provide codes .
Key Features (Zelle, Mobile Deposit, Transfers) edge: Arrowhead Mobile BankingR2R6R13R15
Arrowhead Mobile Banking Arrowhead users report significant difficulties with Zelle, describing it as a 'maze' and almost impossible to use, with issues like contacts not showing up, requiring multiple steps, or the 'submit' button being covered R6R22R29R33. Mobile deposit is also problematic, with checks being denied even in good lighting R13R15R25. Transfers are generally easy, but some users struggle with inter-account transfers R2.
America First Credit Union America First users report issues with mobile check deposits not being read R61 and transfers within accounts not working . Zelle functionality is also problematic, with the button being out of view on some devices . Online payments are difficult or require calling in . Transaction search functionality is limited .
Account Management & Notifications tieR3R16R24R28
Arrowhead Mobile Banking Arrowhead users wish for features like a dark theme R3 and easier switching between multiple accounts without logging out and in R24R28. Some users do not receive notifications about deposits until they open the app R16.
America First Credit Union America First users desire easier ways to manage multiple accounts without separate logins . There are reports of incorrect balances and finalized bill payments not showing up . Notifications for deposits are also a problem, with false mobile deposit times .
Customer Support (via app) tieR5R10R94R95
Arrowhead Mobile Banking The chat bubble in Arrowhead's app is sometimes in the way and hard to find, with no seamless way to return to a chat if navigating elsewhere in the app R5R10.
America First Credit Union America First users express a desire for a person to answer text questions within the app, rather than just FAQs R94. Some report issues with customer service via phone, including long holds and being hung up on .
Pick Arrowhead Mobile Banking if

you prioritize a generally easy-to-use interface for basic transactions and can tolerate occasional glitches and login frustrations, especially if you don't heavily rely on Zelle or mobile deposit R2R11.

Pick America First Credit Union if

you are an existing America First Credit Union member who values card controls and a good overview of spending, and are willing to contend with frequent app maintenance and login issues .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. The evidence for both apps is strong, with numerous reviews highlighting similar pain points in reliability and login functionality.

Frequently asked

Which app is better for mobile check deposits?
Neither app receives strong praise for mobile check deposits; Arrowhead users report frequent issues with checks being denied even with good lighting R13R15R25, while America First users also mention difficulties with the app not reading checks R61.
Do these apps support Face ID or fingerprint login?
Both apps support biometric login like Face ID, but users frequently report issues with it not working reliably, being disabled, or requiring repeated re-authentication R4R5R10R63.
Are there issues with Zelle in these apps?
Yes, both apps have reported issues with Zelle; Arrowhead users find it difficult to use, with problems adding contacts and the interface obstructing the 'submit' button R6R22R29R33, while America First users mention the Zelle button being out of view on some devices .

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. [R2] Arrowhead Mobile Banking 5/5 · US Easy to Navigate: This mobile banking is great and very easy to use. Transfers are instantly completed when initiated. Like it a lot.
  2. [R5] Arrowhead Mobile Banking 4/5 · US This app is SLOW & SUCKS: Cluttered, bad UI design, annoying to use. Remember is bad and can’t use saved face or fingerprint. Tired of typing my password every, single. time. Took forever to find it in setting. Ask once and that’s it. Chat bubble is always in the way, needs a way to hide it too. Locations page to find ATMs sucks too. Only shows sketchy places and have to resort to my map app. Like
  3. [R9] Arrowhead Mobile Banking 3/5 · US Good app can be improved: UI could be more user friendly
  4. [R11] Arrowhead Mobile Banking 5/5 · US My opinion: Easy to navigate.
  5. [R1] Arrowhead Mobile Banking 1/5 · US Broken again!!!: App is broken again! Authentication error! Tried a wrong password, that gives a bad credentials error, so that’s not the issue. They need to hire whoever develops Navy Federal’s app, it Always works
  6. [R4] Arrowhead Mobile Banking 1/5 · US Terrible app: The app frequently crashes during use, often without warning. In addition, I am repeatedly prompted to sign in multiple times within a single session, even though Face ID is enabled on my device. This defeats the purpose of having biometric authentication and significantly disrupts the user experience. These issues have made it difficult to reliably access my account and complete bas
  7. [R7] Arrowhead Mobile Banking 1/5 · US The app is horrible: The app is always having issues connecting, gives a “authentication needed” message but doesn’t allow you to do anything to resolve it, then you get a “system is not responding, try again later” message and you can’t view your balance or anything making it completely useless. I hate this app and wish Arrowhead would fix it. It sucks
  8. [R10] Arrowhead Mobile Banking 1/5 · US Glitchy & SLOW!: Almost always encountering issues with this app. It is SO slow and glitchy! The “remember me” option often gets wiped and you have to manually enter member id & password again. Then authorize Face ID AGAIN. The chat feature is also hard to find as sometimes the bubble doesn’t even appear. If you are in the middle of being helped in a chat and have to navigate to another part of th
  9. [R18] Arrowhead Mobile Banking 3/5 · US Keeps logging me out: The app is excellent to use but as of a month ago I keep having this issue even though in my settings the password is memorized. Hopefully a fix to this can come soon.
  10. [R6] Arrowhead Mobile Banking 3/5 · US App: Love the App but for using Zelle is like a maze and harder to use. I get it playing safe but it’s almost impossible to use Zelle on here.
  11. [R13] Arrowhead Mobile Banking 2/5 · US Mobile deposit: I have had more problems than not with the mobile deposit. It did not use to be as sensitive as it seems to be now? Took me 20 min to deposit one check tonight because it continued to deny my image of the back after I managed to get the front excepted. Not sure if it’s just me or if you have had other complaints? Thank you for being awesome though when I come In or call in with an
  12. [R15] Arrowhead Mobile Banking 3/5 · US I want to rate higher: I am still having so many issues with the mobile deposit all the changes have been amazing so far! But every time I gave to upload a mobile deposit I’m annoyed and frustrated because 8/10 times it doesn’t work even with perfect lighting. Oh well maybe one day it will work
  13. [R3] Arrowhead Mobile Banking 3/5 · US Dark theme: maybe a dark theme would be cool to have? for the ones that have sensitive eyes!
  14. [R16] Arrowhead Mobile Banking 2/5 · US App doesn't notify me about deposits: I've been with Arrowhead for about 15 years. This app is still problematic even after the overhaul. I don't get notifications about deposits etc. until i click on the app and open it. (Yes, I have notifications turned on for this feature) SUPER FRUSTRATING. I've uninstalled/ re-installed the app and still... Same issues.
  15. [R24] Arrowhead Mobile Banking 3/5 · US Good app could be better: It’s a good app, but it would be better if you could view multiple of your accounts without having to log out and in and out and in and out and in again. It’s a hassle just to check my joint account and my personal account.
  16. [R28] Arrowhead Mobile Banking 1/5 · US Make it easier to switch between accounts: You need to make it easier when I have joint accounts to switch between mine and someone else’s. I shouldn’t have to log out of mine and into the other account. I shouldn’t need to have multiple logins. Other banks don’t have this issue. It’s one log in for everything. FIX THIS!!!
  17. [R94] 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
  18. [R95] 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.
  19. [R25] Arrowhead Mobile Banking 1/5 · US Snapshot: Snapshot not working well
  20. [R61] America First Credit Union 1/5 · US Garbage: Difficult to navigate and won’t read checks that I’m trying to deposit.
  21. [R63] 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.
  22. [R22] Arrowhead Mobile Banking 2/5 · US Zelle hasnt worked in a month!: I have deleted the app, reaet my phone, Zelle just stopped working I just get an error message every time I try to use it. There's not even an option for Zelle on the website when I try from my laptop. Super random
  23. [R29] Arrowhead Mobile Banking 5/5 · US Mobile Banking Review: Love this app. The only thing I wish would be easier is Zelle. Takes a while to add someone and sometimes doesn’t let me Zelle certain people. Don’t know why that is
  24. [R33] Arrowhead Mobile Banking 3/5 · US Zelle doesn’t work properly: I love everything else about the app, but when I want to send money to someone through Zelle, I can do it only once. After that I put in their information in to send money, it says that that contact already exists and to select new information. But it doesn’t even show me that their information is in my app. So I have no way of sending them money more than once unless

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