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

First Community CU (MO) vs First Community CU Houston

First Community CU (MO) 4.8★ · Free to download 65
Winner First Community CU (MO)
First Community CU Houston 4.6★ · Free to download 55

First Community CU (MO) has a slight edge due to its higher lifetime rating and some users finding its new UI slick, despite recent stability issues, while First Community CU Houston struggles with an outdated interface and critical missing features like Zelle.

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

First Community CU (MO) and First Community CU Houston both offer mobile banking, but users report significant differences in app stability and features. While First Community CU (MO) has faced recent issues with crashing and maintenance, First Community CU Houston is criticized for its archaic interface and lack of modern banking functionalities like Zelle.

Head to head

Features edge: First Community CU (MO)R1R2R3R6
First Community CU (MO) Users of First Community CU (MO) appreciate being able to do all banking from their phone and find the app generally navigable R2R8. However, some desire more detailed loan account information R3, a search function R9R24, and the ability to nickname accounts . There are also complaints about slow transfer processing R6 and difficulty with external transfers R1. A desired feature is earlier direct deposit , and some users want overdraft .
First Community CU Houston First Community CU Houston users consistently lament the absence of modern features like Zelle R66R73R82R84. Many find it difficult to make loan payments, especially from external accounts, often requiring calls or in-person visits R61R70R72. The app is also criticized for not providing enough details for routine questions and requiring more steps for certain tasks .
Ease of Use tieR1R8R9R13
First Community CU (MO) First Community CU (MO) receives mixed reviews on ease of use. Some users find it easily navigable and simple R8, while others describe it as outdated, unorganized, and not user-friendly, especially after recent updates R1R13. Specific complaints include difficulty with bill pay , the absence of a search function R9R24, and issues with notification alerts not clearing .
First Community CU Houston First Community CU Houston users frequently describe the app as not user-friendly, difficult to navigate, and archaic . The interface is criticized for its design, with requests for clearer visual cues like colored transaction amounts . Some users find it simple and easy to use for basic tasks , but others struggle with fundamental actions like making payments R61R70R100.
Reliability edge: First Community CU HoustonR1R10R12R15
First Community CU (MO) First Community CU (MO) has significant reliability issues, with numerous reports of the app freezing, crashing, or being down for maintenance R1R10R12R15. Users frequently mention having to uninstall and reinstall the app to fix issues R12. Some users report being unable to log in for extended periods, up to a week .
First Community CU Houston First Community CU Houston generally receives positive feedback on reliability, with many users stating the app works great, flawlessly, and is dependable . However, there are some reports of the app requiring multiple attempts to open and load .
Price/Value tieR7R17R20R22
First Community CU (MO) Both apps are free to download. Users of First Community CU (MO) appreciate the credit union's service and offerings, such as good credit card rates R17R20. However, some express dissatisfaction with the core banking services, citing issues with payment timing and general bank practices R7R22.
First Community CU Houston Both apps are free to download. First Community CU Houston users value the credit union's long-standing service and customer care . However, the lack of modern app features like Zelle and difficult payment processes diminish the perceived value of the app itself R66R70R82R100.
Support tieR20R22R39R52
First Community CU (MO) First Community CU (MO) receives positive comments about its employees and their helpfulness R20R39. However, some users report issues with getting help for app problems, including no answers when calling R22 and zero help from tech support R52.
First Community CU Houston First Community CU Houston users report poor support experiences, with staff being unhelpful and unresponsive to app issues . One user was denied an employee ID for reference during a complaint . In contrast, some users praise the customer service as great and prompt .
Pick First Community CU (MO) if

Pick First Community CU (MO) if you prioritize a potentially more modern interface and a broader range of banking functionalities, and are willing to tolerate occasional app instability and maintenance issues R12R15.

Pick First Community CU Houston if

Pick First Community CU Houston if you value consistent app reliability for basic transactions and excellent customer service , and can overlook an outdated interface and the absence of features like Zelle R66R82.

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. The evidence for both apps is robust, with a good mix of positive and negative reviews across various dimensions.

Frequently asked

Does First Community CU (MO) app have a search function?
Recent reviews indicate that the search function is either missing or not working properly, making it difficult for users to find transactions R9R24.
Can I use Zelle with First Community CU Houston?
No, multiple users explicitly state that the First Community CU Houston app does not have Zelle access or similar transfer capabilities R66R73R82R84.
Are there issues with First Community CU (MO) app crashing?
Yes, many recent reviews for First Community CU (MO) report frequent app crashes, freezing, and login problems, sometimes requiring users to uninstall and reinstall the app R10R12R36R44.
Is it easy to make loan payments on the First Community CU Houston app?
No, users report that it is difficult to make loan payments, especially from external accounts, often requiring them to call the branch or go in person R61R70R72R100.

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. [R2] First Community CU (MO) 4/5 · US Decent app: Decent financial app, I’m able to do all banking from my phone.
  3. [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.
  4. [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
  5. [R8] First Community CU (MO) 5/5 · US Review: Easily navigable
  6. [R9] First Community CU (MO) 3/5 · US Where did the search function go?: I don’t see the search function anywhere to easily find transactions without having to search through my entire feed. Disappointing as I use that function regularly.
  7. [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.
  8. [R10] First Community CU (MO) 2/5 · US .: App keeps freezing & not letting me login.
  9. [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.
  10. [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.
  11. [R7] First Community CU (MO) 1/5 · US Loan: If you are getting a loan please do not get a loan or bank with first community I had a car loan with gap insurance and some one hit me an wrecked my car after my insurance had just lapsed they provided me with their insurance information to call but cancelled my account and sold the car when the driver was in the wrong and now I’m sitting here confused with a payment that I thought gap woul
  12. [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.
  13. [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
  14. [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.
  15. [R39] First Community CU (MO) 5/5 · US Exceptional Help when you need it!: No matter the problem related to banking. They can fix it!
  16. [R52] First Community CU (MO) 1/5 · US Useless: Nothing but problems. Zero help from tech support.
  17. [R24] First Community CU (MO) 3/5 · US Search: The search bar won’t drop down and allow me to search history when using my phone app
  18. [R66] First Community CU Houston 3/5 · US Functionally ok… BUT…: Functionally the iPhone app is okay, but it’s only just O K. Many various features are missing such as a Zelle feature for example. Recent update finally added Face ID sign in. Great but about 5 years later than most other banking apps. At least the app is quick and responsive.
  19. [R73] First Community CU Houston 2/5 · US App could use some work: I wish the app had sell or paypal access ability to be able to transfer from other bank accounts
  20. [R82] First Community CU Houston 1/5 · US Horrible: Doesn’t give exact balance doesn’t have Zelle just don’t like it overall
  21. [R84] First Community CU Houston 2/5 · US FCCU needs improvement and update their banking: The app it mediocre. It dosent have everything other banks offer. FCCU needs to update to a better way to pay and transfer payments like Zelle
  22. [R36] First Community CU (MO) 1/5 · US Crashing: I am unable to even open the app. It crashes before it even gets to the log in screen. App used to be great but has been glitchy lately.
  23. [R44] First Community CU (MO) 1/5 · US App Crashes: The app keeps crashing everytime I try to open it
  24. [R61] First Community CU Houston 1/5 · US Making a payment: Make it easier to make a payment like putting a card on your account can’t figure out how to pay my car note
  25. [R70] First Community CU Houston 1/5 · US Not very good UO: Horrible UI. Cannot set up autopay on loans for my car. You have to call the branch itself. Paying the auto loan from a different account requires you to jump Through hoops. Highly not recommended Jump
  26. [R72] First Community CU Houston 3/5 · US Needs work: No pay off allowed. Doesn’t allow outside banks to transfer or pay off loan.
  27. [R100] First Community CU Houston 1/5 · US Not convenient: Why on Earth can you not easily make payments on your loan or car within the app? You should be able to make a payment with an external bank account or card just like every other company allows. I have to go in person to make payments and it’s ridiculous. It’s 2026!!

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