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

First Community CU (MO) vs Community Choice Credit Union

First Community CU (MO) 4.8★ · Free to download 60
Winner First Community CU (MO)
Community Choice Credit Union 4.8★ · Free to download 55

Both apps suffer from significant reliability issues and recent negative updates, but First Community CU (MO) appears to have slightly more consistent core banking functionality when it does work.

Full reviews: First Community CU (MO) · Community Choice Credit Union

Both First Community CU (MO) and Community Choice Credit Union apps have been plagued by recent updates that introduced stability issues, crashes, and reduced functionality. While First Community CU (MO) users report frequent app downtime and freezing, Community Choice Credit Union users also experience similar problems, alongside difficulties with mobile deposits and transfers.

Head to head

Reliability & Stability tieR1R10R12R15
First Community CU (MO) Users frequently report that the First Community CU (MO) app crashes upon opening, freezes, or becomes inaccessible for extended periods, sometimes for days or even a week R1R10R12R15. Many users resort to uninstalling and reinstalling the app to fix issues, which happens almost weekly for some R12R48.
Community Choice Credit Union The Community Choice Credit Union app also suffers from frequent crashes, freezing, and login problems, with users stating it often doesn't work at all or only works about half the time . Some users report being locked out or unable to access their accounts for days .
Features & Functionality edge: First Community CU (MO)R1R3R4R6
First Community CU (MO) Users report issues with transferring to external accounts, the search function disappearing or not working, and difficulty seeing loan account details like start date or payments left R1R3. Some find the bill pay process cumbersome, requiring switching between screens . There are also complaints about delayed money transfers and transactions, sometimes taking 3-4 hours or even a whole day R6R22R54. The app lacks features like color-coded transactions and the ability to nickname accounts R4.
Community Choice Credit Union Users struggle with mobile check deposits, with the image edges not matching up R64. Linking other banks and sending money to and from external accounts is described as impossible or difficult R67. Transfers between members of the credit union are now slower, taking at least 30 minutes instead of seconds R80. The app often doesn't show pending deposits or accurate available balances R76R80R84. Users also desire features like 2-day early direct deposit, save the change, home screen widgets, and deposit notifications .
Ease of Use & User Interface tieR1R8R11R13
First Community CU (MO) The app is described as outdated, unorganized, and basic, with some users disliking the new update and finding it less user-friendly R1R13. However, other users find it easily navigable and slick with a nice UI after updates R8R11. There are persistent issues with notifications not clearing and constant rating requests .
Community Choice Credit Union Many users dislike the new update, finding the interface confusing and complicated R76R80. Pop-up advertisements are annoying . While some appreciate the new UI and the ability to see balances without logging in, the overall experience is often frustrating due to glitches and inconsistent loading R84.
Customer Service & Support edge: Community Choice Credit UnionR17R20R22R32
First Community CU (MO) While some users praise the outstanding service and pleasant employees, stating they can fix any banking problem R17R20R32, others report no answer when calling for help or zero help from tech support R22.
Community Choice Credit Union Community Choice Credit Union receives high praise for its polite, helpful, and phenomenal in-person service . However, some users feel that bank staff look at them like they're wasting their time when asking for app help .
Price & Value tieR26R37R95
First Community CU (MO) Both apps are free to download. First Community CU (MO) users appreciate good credit card percentage rates and quick loan processes R26. One user mentions a lack of 2-day early payday, which other banks offer R37.
Community Choice Credit Union Both apps are free to download. Community Choice Credit Union is noted for having the 'best rates in town' for loans and being a good value as members are owners R95.
Pick First Community CU (MO) if

Pick First Community CU (MO) if you prioritize a potentially more navigable app interface when it's working, and need basic banking functions that, despite some delays, are generally achievable R8R11R26.

Pick Community Choice Credit Union if

Pick Community Choice Credit Union if you value excellent in-person customer service and a credit union that offers competitive rates and treats members as owners, and are willing to tolerate significant app instability R95.

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. The reviews for both apps are heavily skewed negative due to recent updates causing widespread reliability and functionality issues. Lifetime ratings are high for both, but recent reviews indicate a sharp decline in user satisfaction with the mobile apps.

Frequently asked

Do these apps support external transfers?
Users of First Community CU (MO) report significant difficulty or inability to transfer to external accounts R1R58, while Community Choice Credit Union users also find it impossible or very hard to link other banks and send money R67.
Are there issues with mobile check deposits?
Community Choice Credit Union users specifically mention problems with mobile check deposits, where image edges don't match up, making it impossible to complete the deposit R64.
Do the apps show pending transactions or deposits?
First Community CU (MO) users report that money sometimes doesn't transfer instantly from pending to available R54, and Community Choice Credit Union users state that pending deposits no longer show and available balances are not always accurate after updates R76R80R84.
How often do these apps crash or have downtime?
Both apps frequently crash, freeze, or are down for maintenance; First Community CU (MO) users report issues almost weekly or for several days at a time R12R15R28R48, and Community Choice Credit Union users state the app doesn't work about half the time or is down often .

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] First Community CU (MO) 1/5 · US Horrible: Won’t transfer to external accounts. Every time i go to settings > account preference it freezes. The app is outdated, unorganized and this is after the so called update.
  2. [R10] First Community CU (MO) 2/5 · US .: App keeps freezing & not letting me login.
  3. [R12] First Community CU (MO) 3/5 · US used to be good: Has always worked great until recently. Now constantly won’t open the app and crashes. Makes me uninstall and reinstall to get it to fix. Happens almost weekly, which is way too much.
  4. [R15] 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.
  5. [R3] First Community CU (MO) 3/5 · US Loan Account: Would be nice to see more information on the loan account. Start date, payments completed and payments left to make quantities.
  6. [R4] First Community CU (MO) 1/5 · US Show colors on amount taken out or Deposited: I don’t like it doesn’t show a color amount when something has taken out of your account or being paid. I have to search for the amount that I’m looking for and that’s ridiculous.
  7. [R6] First Community CU (MO) 3/5 · US Review: My money don’t transfer instantly into my account sometimes when I withdraw I have to wait 3-4hrs
  8. [R8] First Community CU (MO) 5/5 · US Review: Easily navigable
  9. [R11] First Community CU (MO) 5/5 · US Software QA Engineer: So far so good, the new UI is slickly nice. An improvement on the credit card details page screen navigation would be awesome
  10. [R13] First Community CU (MO) 1/5 · US Very outdated app: looks like it was made in the 90s, very basic. it could use some updates on appearance and some new functions.
  11. [R17] First Community CU (MO) 5/5 · US BEST EVER: The best ever I started an account here 14 or 15 years ago I would never go anywhere else. They are awesome.
  12. [R20] First Community CU (MO) 5/5 · US Outstanding service: I've never been at a bank with so many pleasant employees!..from the manager to every single bank teller. Joe Kaminski
  13. [R22] First Community CU (MO) 1/5 · US Worst bank: I’ve been with them for years and gotten paid at the same time recently I have been getting paid whenever the money feels like coming to my account such as I get paid at 11 I’ve been getting paid at 2 o’clock 10 o’clock 3 o’clock and I get paid Thursdays at night. I’ve been calling for help no answer and also the app does not work.
  14. [R32] First Community CU (MO) 5/5 · US Awesome Credit Union: So far so good! I believe I’ll like being here!
  15. [R26] First Community CU (MO) 5/5 · US Loan: I got a credit card with a great percentage rate. quick and easy
  16. [R37] First Community CU (MO) 4/5 · US Direct deposit 2 days early: Most banks have 2 day early payday I wish yall had that to make have to change banks
  17. [R95] Community Choice Credit Union 5/5 · US What I love about CCCU: Community Choice has all that you need in a financial institution. You are an owner when you are a member. Community Choice is a fun friendly financial institution. You’re not a number. Best rates in town. If you’re needing a loan give Community Choice a call you’ll be glad you did.
  18. [R58] First Community CU (MO) 1/5 · US External Transactions: I’ve found it so difficult to do external transactions whether it’s to a person or your other banks. I believe other banks have an easier process. The way to receive your password is also questionable because they send riddles for some reason when they could just tell you to create a new one.
  19. [R67] Community Choice Credit Union 1/5 · US Impossible to use: Why is it impossible to link other banks and send money to and from other banks? I have a loan and cant link another bank to pay for it on this app????? whats the point. Its 2024
  20. [R64] Community Choice Credit Union 2/5 · US Was good, no longer so: Not sure what they did but now it’s impossible to do a mobile deposit for a check. Image edges never match up, according to their message. Always used to work fine. Fix this.
  21. [R54] First Community CU (MO) 1/5 · US Transfer: why won’t my money transfer to available from pending from depositing money.
  22. [R76] Community Choice Credit Union 1/5 · US Don’t like update.: Takes a while to transfer money, charges take a while to be removed from account unlike the last version of the app causing overdrafts and fees. Happened to both my mom and I. Seems to be down a lot.
  23. [R80] Community Choice Credit Union 1/5 · US Really hate the update.: I do not like how confusing and complicated it is to send money to another member of the credit union. It used to be a simple process and take seconds for the money to get to the other person, now it takes at least 30 minutes. None of my pending deposits show, and the pending transactions/available balance isn’t always 100% accurate. Really wish I hadn’t updated. Very disa
  24. [R84] Community Choice Credit Union 1/5 · US Update: I love that you can see the balances without having to log in, but the available balances does not reflect what is available. Also we are not able to see the deposits that are pending any longer. I really miss those features.. I wish I hadn’t updated.
  25. [R28] 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?
  26. [R48] First Community CU (MO) 2/5 · US I like FCCU but the app has been horrible lately: I’ve enjoyed having FCCU as my credit union for about a decade, but it is absolutely unacceptable for the mobile banking app to be this unreliable for so long. For the other people experiencing the issue of the app crashing upon opening, I’ve had success by uninstalling and reinstalling the app. But I’ve had to do that MULTIPLE times, and that shou

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