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

My CFCU Mobile vs SchoolsFirst FCU Mobile

My CFCU Mobile 4.8★ · Free to download 40
Winner SchoolsFirst FCU Mobile
SchoolsFirst FCU Mobile 4.8★ · Free to download 65

SchoolsFirst FCU Mobile (App B) is the better choice due to its slightly higher lifetime rating and a more consistent, though still imperfect, user experience compared to My CFCU Mobile (App A), which suffers from more widespread and critical functionality issues.

Full reviews: My CFCU Mobile · SchoolsFirst FCU Mobile

SchoolsFirst FCU Mobile generally offers a more reliable banking app experience with better customer service, despite some recurring issues with Face ID and occasional glitches. My CFCU Mobile, while praised for its credit union's service, struggles significantly with app stability, core features like Zelle and mobile deposits, and biometric login.

Head to head

Features (Zelle, Mobile Deposit, Transfers) edge: SchoolsFirst FCU MobileR1R4R15R20
My CFCU Mobile Many users report significant problems with Zelle, stating it either doesn't work at all or is a hassle to use R1R4R21R23. Mobile check deposit is also a frequent pain point, with users unable to upload pictures or experiencing errors R20R24R56R58. Some users also find it inconvenient that they can no longer choose which account to pay bills from directly R15, and transfers outside the bank are difficult R25.
SchoolsFirst FCU Mobile SchoolsFirst FCU Mobile users also report issues with Zelle and transferring money to outside accounts . Some find the budgeting options inadequate and are frustrated by the lack of third-party app integration . Wire transfers are not available through the app, requiring a branch visit . However, some users praise the app for having everything they need and making transfers easy .
Ease of Use & Reliability edge: SchoolsFirst FCU MobileR8R9R10R30
My CFCU Mobile My CFCU Mobile is frequently criticized for being slow, laggy, and prone to crashing R9R10. Users report sessions timing out, the app vanishing, or freezing R8. Many find the new update horrible, hard to work with, and less user-friendly than the old format R10R30.
SchoolsFirst FCU Mobile SchoolsFirst FCU Mobile also faces complaints about being slow, glitchy, and crashing . Users mention constant maintenance downtimes and being logged out regularly . Some find the dashboard basic and not user-intuitive, with difficulties navigating to make payments . However, many users describe the app as easy to use, simple, and convenient for managing finances .
Login & Security (Face ID/Biometrics) tieR3R7R12R14
My CFCU Mobile A significant number of My CFCU Mobile users report that facial recognition or Face ID does not work, or they cannot find the option to enable it R3R7R14. Many are forced to reset their password frequently or are locked out of their accounts R12.
SchoolsFirst FCU Mobile SchoolsFirst FCU Mobile users also experience frequent issues with Face ID, often requiring them to uninstall and reinstall the app to re-enable it R63R64R74R76. Some report login errors, being locked out, or needing to reset passwords due to app updates . A few users specifically request biometric login .
Customer Service & Support tieR2R5R16R17
My CFCU Mobile While the app itself receives many negative comments, the credit union's customer service receives high praise R2R5R17. However, some users report long hold times and issues with Plaid integration, which they attribute to the bank's system R16.
SchoolsFirst FCU Mobile SchoolsFirst FCU Mobile users generally commend the credit union's customer service as excellent, friendly, proficient, and helpful . However, there are complaints about long hold times when trying to reach a human representative and issues with the phone system . Some users also note that tech support is not 24/7 .
Alerts & Notifications edge: SchoolsFirst FCU MobileR6R25R120
My CFCU Mobile Users of My CFCU Mobile report that alerts are delayed, sometimes by hours, and express a desire for instant notifications for withdrawals and transactions R6. The inability to set up mobile alerts is also a point of frustration R25.
SchoolsFirst FCU Mobile SchoolsFirst FCU Mobile reviews do not frequently mention issues with alerts or notifications, suggesting this is not a major pain point for users. One user appreciates the improved tracking of charges and deposits with icons and categories R120.
Pick My CFCU Mobile if

you are an existing My CFCU member who values excellent in-person customer service and competitive rates, and you are willing to tolerate significant app functionality issues R17.

Pick SchoolsFirst FCU Mobile if

you are looking for a credit union app that is generally considered easy to use for basic banking tasks like checking balances and transfers, and you value strong customer service, even if the app has occasional glitches and Face ID issues .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Recent reviews for both apps show a negative skew, particularly regarding app stability and biometric login issues, despite their high lifetime ratings. My CFCU Mobile has a smaller user base and fewer reviews overall, which might amplify the impact of negative feedback.

Frequently asked

Does My CFCU Mobile support Zelle?
Based on user reviews, My CFCU Mobile has significant problems with Zelle, with many users reporting it does not work or is a hassle to use, and some even stating it is missing R1R4R21R23.
Are there issues with Face ID on SchoolsFirst FCU Mobile?
Yes, many SchoolsFirst FCU Mobile users report recurring issues with Face ID login, often requiring them to uninstall and reinstall the app to get it working again R63R64R74R76.
How do the apps compare on mobile check deposit?
My CFCU Mobile users frequently report problems with mobile check deposit, stating it takes a long time or doesn't work at all R20R24R56R58. SchoolsFirst FCU Mobile reviews do not highlight mobile check deposit as a major issue, with some users praising its smooth functionality .

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] My CFCU Mobile 1/5 · US Zelle does not work: There is no much left to say, I have not been able to make a single transfer with Zelle.
  2. [R4] My CFCU Mobile 1/5 · US Worse app: This app or branch need to upgrade to modern times !!! Cant connect to any tap for my phone or zelle a d sending people money is a hassle
  3. [R15] My CFCU Mobile 3/5 · US Paying Bill Account Options: Before I was able to choose from which account I wanted to pay my bill from but now I can’t. So now I have to constantly transfer money before paying my bill which makes it inconvenient. Hope they fix that.
  4. [R20] My CFCU Mobile 5/5 · US Deposit check thru mobile app: Just when you deposit a check it takes long it doesn’t get it at the first time and it’s frustrating
  5. [R8] My CFCU Mobile 4/5 · US Needs a new update: I sign in to my account and once I’m in the application vanishes from my phone to my homepage. This needs a new update.
  6. [R9] My CFCU Mobile 3/5 · US Laggy: When selecting certain account it takes a long time to load. At times even times out.
  7. [R10] My CFCU Mobile 1/5 · US New update is horrible: I dislike this update so much. Nothing is actually up to date in your account when you move things around. App also crashes and takes forever to log in.
  8. [R30] My CFCU Mobile 1/5 · US The new format is too hard to work with: I was shocked when I opened my VonsCU APP- which I loved- to discover that the font is SO LARGE I can’t read anything without having to click through every screen, and even then all the information I used to get on one page is not there. PLEASE return it to the way it was.
  9. [R3] My CFCU Mobile 3/5 · US Facial recognition doesn’t work: Everything’s pretty nice on the new app except facial recognition doesn’t work to save your life. Please fix this.
  10. [R7] My CFCU Mobile 2/5 · US Can’t enable face ID: There’s no option for setting the face ID login in the security settings.
  11. [R12] My CFCU Mobile 3/5 · US Logged out: I like it but after not using it for a few days it longed me out and I it was a big deal logging back in. Ugh please change that feature
  12. [R14] My CFCU Mobile 4/5 · US Cool update but: After so many years of a plain app it finally got an update. So far I’m liking except….. I can have the facial recognition to open it up. I can’t find where to add that feature 😫
  13. [R2] My CFCU Mobile 5/5 · US Best Union: Very very happy with my UNION
  14. [R5] My CFCU Mobile 5/5 · US Thanks Ruby!: So helpful and kind! God Bless you!!!
  15. [R16] My CFCU Mobile 1/5 · US Worst bank: You can even use plaid, when you try to have a loan in other banks or any loan company you can’t access in their bank when you use plaid and it goes to sign in bank is either bank is in active or can’t see your bank. Worst ever
  16. [R17] My CFCU Mobile 5/5 · US Love this Credit Union!: I’ve been with them for many years and I love their customer service and competitive rates! Keep up the great work!!
  17. [R6] My CFCU Mobile 3/5 · US Alerts: Alerts are delayed would be nice to get instant alert of withdrawls and transactions and not hours later
  18. [R25] My CFCU Mobile 2/5 · US This app is annoying: This is not like a no normal bank app I can’t set up mobile alerts. I can’t do transfer money to anyone out side the bank. I’m annoyed
  19. [R120] SchoolsFirst FCU Mobile 5/5 · US Greatly improved.: Whatever you guys did with that last update made each charge and deposit much easier to track where they came from, great job! Icons for the business and type of charge have logos and multiple categories correctly identifying on what type of business and expense it came from, keep it up.
  20. [R21] My CFCU Mobile 3/5 · US Need zelle: What we need is zelle so we could transfer Money to other people when we need to pay them or split the bill
  21. [R23] My CFCU Mobile 4/5 · US Review: Love the app, only wish it would have Zelle!
  22. [R63] SchoolsFirst FCU Mobile 3/5 · US FaceID Issue: There is no way to re-enable FaceID login without uninstalling the app and re-installing it. Then, during the process of re-enabling FaceID it tells you that you can disable it by going into Settings then Preferences but there is no Preferences option under Settings at all. Do disable FaceID would require uninstalling the app again and re-installing. This creates a frustrating user e
  23. [R64] SchoolsFirst FCU Mobile 1/5 · US Face ID has changed 👎🏻: There is no direct access to Face ID any longer at log in. Not an improvement.
  24. [R74] SchoolsFirst FCU Mobile 4/5 · US Good App, redownloads needed at times: SFFCU is a pretty good app. I usually don’t have any issues. I can open, transfer, and communicate through messaging. You just need to undownload and redownload occasionally to get your FaceID back and functioning.
  25. [R76] SchoolsFirst FCU Mobile 1/5 · US Everything is fine with it except…: It won’t let me use Face ID to log in.
  26. [R24] My CFCU Mobile 3/5 · US Photo deposit: Photo deposit feature still doesn’t work. Been about a year?????
  27. [R56] My CFCU Mobile 1/5 · US Cannot upload pictures for mobile check deposit: Since this new upgrade, now I cannot upload my pictures for mobile check deposit! Please fix the problem?! The credit union is also closed on weekends?! Very inconvenient.
  28. [R58] My CFCU Mobile 1/5 · US Crappy App: I can no longer make remote deposits with this app. Now, I get an error message. Every. Single. Time. Horrible app.

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