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

Community First CU vs First Community CU (MO)

Community First CU 4.8★ · Free to download 60
Winner First Community CU (MO)
First Community CU (MO) 4.8★ · Free to download 65

First Community CU (MO) is slightly better due to fewer critical issues and a more stable user experience, despite both apps receiving recent negative feedback regarding updates.

Full reviews: Community First CU · First Community CU (MO)

Both Community First CU and First Community CU (MO) apps face significant user frustration following recent updates, particularly concerning login issues, bill pay functionality, and overall stability. First Community CU (MO) appears to have a slight edge in reliability, though both have room for improvement.

Head to head

Features tieR3R9R12R14
Community First CU Community First CU offers quick balance checks, cash flow analysis, and credit score reporting, with users appreciating its convenience for monitoring accounts and making transfers R14R17. However, recent updates have removed or complicated features like seeing check images, direct credit card payments, and viewing payment due dates for credit cards R9R12. Users also desire 2FA and Passkey support, and Zelle integration R3.
First Community CU (MO) First Community CU (MO) allows users to perform all banking functions from their phone . However, users desire more detailed loan account information, such as start dates and remaining payments . Some users also miss the search function for transactions and wish for early direct deposit .
Ease of Use tieR1R5R10R17
Community First CU Community First CU receives mixed reviews on ease of use. While some find it user-friendly, easy to navigate, and convenient for transfers and balance checks R17, many recent reviews criticize the new bill pay as not user-friendly and involving too many steps R5R10. The app is also reported to be inaccessible for visually impaired users R1.
First Community CU (MO) First Community CU (MO) is described as easily navigable by some , but others find the app not intuitive and difficult to navigate for simple tasks . The new update is seen by some as less user-friendly, especially the bill pay portion . Users also report issues with notifications not clearing and difficulty distinguishing between multiple accounts .
Reliability edge: First Community CU (MO)R4R6R7R18
Community First CU Community First CU has significant reliability issues, with users reporting frequent login problems, the app freezing or crashing, and 'Access Denied' messages R4R7. Mobile deposit is particularly problematic, often glitchy or not working at all, and taking several days to process R6R18R36R40. Transfers also fail or require individual processing .
First Community CU (MO) First Community CU (MO) also struggles with reliability, with reports of the app freezing, crashing, and not letting users log in . A major concern is extended outages, with some users reporting the app being down for maintenance for up to six days R75R88R102R110. Transfers to external accounts are also cited as difficult or slow .
Price/Value tieR12R16R23R26
Community First CU Both apps are free to download. Users appreciate the convenience of managing finances on the go R16R23. However, the app's perceived lack of functionality and constant issues diminish its value for some, leading them to suggest using the website instead R12R26.
First Community CU (MO) Both apps are free to download. Users value the ability to access account information at the touch of a button . However, the frequent downtime and unreliability reduce the perceived value of the app for many, with some calling it 'useless' due to persistent problems R88R102.
Support tieR7R11R27R29
Community First CU Community First CU users have mixed experiences with support. Some praise the helpful, attentive, and knowledgeable team at the credit union R11R27R29. However, others report that customer service couldn't resolve app issues R7 or dismissed reported bugs .
First Community CU (MO) First Community CU (MO) receives positive feedback for its pleasant employees and exceptional help . However, some users report no answer when calling for help with app issues and zero help from tech support for persistent problems .
Pick Community First CU if

you prioritize quick balance checks, cash flow analysis, and credit score reporting features, and are willing to contend with potential login and bill pay issues R14R17.

Pick First Community CU (MO) if

you need an app that is generally more stable and less prone to critical crashing or 'Access Denied' errors, even if it has occasional outages and slower external transfers .

Evidence note: Both apps have a high lifetime rating, but recent reviews are heavily skewed negative, indicating a significant decline in user satisfaction following recent updates. The free-to-download nature means all users, regardless of payment tier, contribute to the reviews.

Frequently asked

Are there known issues with mobile deposits for Community First CU?
Yes, mobile deposits for Community First CU are frequently reported as glitchy, often displaying random error messages, taking several days to process, or not working at all, which is a significant inconvenience for users R6R18R36R40.
Does First Community CU (MO) have frequent app outages?
Yes, First Community CU (MO) users report frequent app outages, with some experiencing the app being down for maintenance for several days, including one instance of six days, making it impossible to access accounts R75R88R102R110.
Is Community First CU's app accessible for visually impaired users?
No, Community First CU's app is not visually impaired friendly and does not work with voice-over features, according to user reviews R1.

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] Community First CU 3/5 · US Allow 2FA and Passkey’s: It would be awesome if you could setup 2FA in Raivo or something like Authy. Not only that but setup passkey support. So the account is hooked to another piece of hardware. So nobody can just login to your bank account from grabbing cookies or anything.
  2. [R9] Community First CU 3/5 · US Always changing and lack iPhone support: Can’t see check images
  3. [R12] Community First CU 3/5 · US Limited Functionality: This is app no better than a 3rd Party app that signs into your account and tells you your balances. Functionality of this app is still lacking. You're better off saving a bookmark to your desktop off the website. ....something as simple as understanding what your payment due date and minimum due for your own credit card isn't available but you've got functionality to pay a
  4. [R14] Community First CU 5/5 · US Seamless, efficient banking app: This app is smooth and genuinely useful. Quick balance checks are instant, the cash flow analysis charts are clear, and credit score reporting is right on the same scroll, no digging through menus. Everything feels organized and efficient.
  5. [R1] Community First CU 1/5 · US Drew: Tried to transfer funds from one account to another and those of us that use voice over, blind, the app does not work in voice over. This app is not visually impaired friendly.Left prior rating due to same problem, nothing has been done to improve app.
  6. [R5] Community First CU 5/5 · US Bill Pay: Who ever was the one in charge of getting this new bill pay should immediately be fired. This new bill pay is NOT USER FRIENDLY. It involves many more steps and is a waste of time to the old version everyone liked. If this version is supposedly better why does it now have a separate helpline. Talking with employees at the credit union they seem to have the same attitude that I have. This
  7. [R10] Community First CU 1/5 · US Bill Pay: The bill pay feature on mobile app is horrible. You can’t see past payments or schedule
  8. [R17] Community First CU 5/5 · US User friendly: Very user friendly, transfers are easy, easy access to balance information and deposits are easy to make within the app.
  9. [R4] Community First CU 2/5 · US Issues: Can’t log into it the normal way, it just sits and says logging into account. I have to click on the contact us button and login through there to even see my bank account its a huge inconvenience
  10. [R6] Community First CU 3/5 · US Convenient: I love having the convenience of the app. It is user friendly and overall great for information and internal account transfers. However, I am struggling to get the deposit function to work. Thanks!
  11. [R7] Community First CU 2/5 · US Mobile App Issue: The app for mobile was fine just until recently it’s been acting weird on me. Whenever I click on the mobile app it keep saying Access Denied and giving me some IP number and etc… when I call customer services they said on their side are fine. I’m not sure if it’s just the app or it’s my phone. I seriously deleted the app multiple times and it still says Access Denied. Hopefully
  12. [R18] Community First CU 1/5 · US AVOID MOBILE DEPOSITS: I’ve never seen a bank with such awful mobile deposit policies. It takes several days to go through when so many other banks will upload the amount in your account right away. If you’re looking for banking ease and not having to go out of your way to the bank, this isn’t the bank for you
  13. [R16] Community First CU 1/5 · US Online Banking: This app comes in so handy it’s nice to just jump on your phone and see what you have and you’re checking or savings without guessing !
  14. [R23] Community First CU 5/5 · US Review: It is a very handy tool to have in checking my accounts it keeps me on top of my finances.
  15. [R26] Community First CU 1/5 · US Changes: They just redid the app and the changes aren’t for the better. Absolutely loathe the new interface, and don’t foresee myself using the app more for than checking the amount in my account when out and about. Going to have to use my computer instead of the app if I want to do my banking. :/
  16. [R11] Community First CU 5/5 · US Happy Customer: It’s always a pleasure to see and work with the team at Community First CU in Howard they are helpful , attentive, knowledgeable and supportive during every transaction from the easy to the complex nothing phases them. Thanks for everything you do for the community and us customers.
  17. [R27] Community First CU 5/5 · US Member review: Been a member for few years since working and retiring from OshKosh truck and have had great support from everyone there Thank you sincerely for all your support throughout the years first with OshKosh credit union and now with Community First credit union as a member
  18. [R29] Community First CU 5/5 · US Awesome: This bank has been a Blessing to me and EVERYONE there, ARE Awesome.💛
  19. [R36] Community First CU 1/5 · US Mobile deposit does not work: The mobile deposit feature has always been glitchy, but recently it will come up with some random error message every time. “Please use a dark background”or “depositing this check will exceed your $4,000 daily limit”. I don’t think a $7.00 check is going to put me over my limit. I called and was told to delete and download the app again. No such luck. I work during ba
  20. [R40] Community First CU 1/5 · US Mobile deposit: I’ve been banking with community first for about ten years now and never had much of an issue. I recently moved and the closest community first is an hour away but I chose to stick with them because of the mobile deposit and mobile banking. After the new software update, I am not able to deposit my checks through the online banking which really puts a huge hold on everything. I jus
  21. [R75] First Community CU (MO) 3/5 · US App down every three days: So this is ridiculous that every three days this app is down for maintenance. All I want to do is check my account. I shouldn’t have to just through hoops to do that.
  22. [R88] First Community CU (MO) 1/5 · US App has been down for 6 days: They said it was scheduled maintenance but it was only supposed to be for the weekend. We are now on day 6 and it still says down for maintenance when I tried to login. There’s no backup, no website login or phone call to check my account. What kind of bank doesn’t let anyone login for 6 days?
  23. [R102] First Community CU (MO) 1/5 · US Don’t recommend: It’s been a lot going on with this app and it’s always down i just been having to many problems with this app
  24. [R110] First Community CU (MO) 2/5 · US Issues: This app is always down!!!!

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