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

Metro Credit Union vs America First Credit Union

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

America First Credit Union is generally a more reliable choice due to fewer critical issues with its app's core functionality, despite both apps suffering from login problems and occasional glitches.

Full reviews: Metro Credit Union · America First Credit Union

Both Metro Credit Union and America First Credit Union offer mobile banking apps that users find convenient for basic tasks, but both are plagued by frequent login issues and app instability. America First Credit Union appears to have a slight edge in overall app reliability, though it also faces criticism for maintenance downtime and outdated features.

Head to head

App Reliability and Stability edge: America First Credit UnionR6R7R14R16
Metro Credit Union Metro Credit Union's app is frequently reported to freeze, crash, or force close, making it unusable for many users R6R7R14R16. Some users cannot log in at all after updates R14R16.
America First Credit Union America First Credit Union's app also experiences frequent issues, with users reporting it often loads slowly, doesn't let them log in, or is under constant maintenance . Some users find it unusable once or twice a week .
Login and Authentication tieR4R10R20R24
Metro Credit Union Many Metro Credit Union users are frustrated by having to log in every time, even with 'remember me' or Face ID enabled R4R20R50. The verification process is described as 'wonky' and sometimes involves numerous captcha checks R10R24.
America First Credit Union America First Credit Union users also frequently report Face ID not working or being disabled, requiring manual login R63. Some users have to constantly update their password or deal with MFA issues where text codes don't arrive .
Features and Functionality tieR3R5R8R38
Metro Credit Union Metro Credit Union's app offers remote check deposit, which some users find easy to use R47R58. However, some report issues with remote deposit not working after updates R5R38. Users also mention slow transaction updates R3 and an inability to change transfer dates R8. New features like customization and seeing all accounts with one login are appreciated .
America First Credit Union America First Credit Union's app includes convenient in-app options and card controls . However, users report difficulty making online payments , issues with transferring funds within accounts , and mobile deposit times being inaccurate . Some features are out of view on smaller screens like the iPhone SE . The search function for transactions is also criticized .
User Interface and Experience edge: America First Credit UnionR9R21R27R28
Metro Credit Union Metro Credit Union's app receives mixed reviews on its interface; some find it easy to use, convenient, and appreciate new visual enhancements and customization R21R27. Others dislike the new look, finding it harder to read or a regression R28R36. There are also requests for iPhone X optimization and goal-setting features R9.
America First Credit Union America First Credit Union's app is generally described as easy to navigate and user-friendly by many . However, a significant number of users find the interface outdated, difficult to navigate, and not user-friendly .
Customer Service and Banking Experience edge: Metro Credit UnionR1R2R5R11
Metro Credit Union Metro Credit Union is highly praised for its excellent customer service, with members feeling like family and appreciating helpful, non-condescending staff R2R5R11. However, some users report issues with fees, including double charges and overdrafts due to early bill payments R1.
America First Credit Union America First Credit Union also receives strong praise for its customer service, with members feeling appreciated and receiving good help in branches and over the phone . However, there are complaints about long hold times, representatives hanging up, and issues with fraud reports on cards when traveling .
Pick Metro Credit Union if

Pick Metro Credit Union if you prioritize exceptional in-person and phone customer service, where staff are described as helpful and making members feel like family .

Pick America First Credit Union if

Pick America First Credit Union if you need an app that is generally more stable for basic banking tasks, despite occasional maintenance and login frustrations .

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, primarily due to app functionality issues, which contrasts with their high lifetime ratings that likely reflect overall credit union satisfaction more than just app performance.

Frequently asked

Do these apps have reliable mobile check deposit?
Metro Credit Union's app offers remote deposit capture, which some users find easy to use, but others report it stopped working after updates or they were deemed 'not eligible' R5R38R47R58. America First Credit Union users report difficulty with the app reading checks for deposit and inaccurate deposit availability times .
Are there frequent login issues with either app?
Yes, both apps suffer from frequent login issues; Metro Credit Union users often have to log in repeatedly even with 'remember me' or Face ID enabled R4R20R50, while America First Credit Union users frequently experience Face ID failures, token expiration, and MFA problems where codes don't arrive R63.
Which app has a better user interface?
America First Credit Union's app is frequently praised for being easy to navigate and user-friendly, especially by elderly users , though some find it outdated . Metro Credit Union's app has mixed reviews, with some loving the new features and customization, while others dislike the new look and find it harder to read R27R28R36R55.

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. [R6] Metro Credit Union 3/5 · US Bank is great, app is awful: App constantly freezes when trying to open it.
  2. [R7] Metro Credit Union 1/5 · US All it does is freeze: Can only look at balance anytime I’ve ever tried anything else it just freezes
  3. [R14] Metro Credit Union 1/5 · US App doesn’t work: The newest app hasn’t worked since it came out. If you call about it they’ll tell you nothing is wrong with it but it’s not just me, nobody in my family can use it. Looking to switch banks, having an app that works is a big deal.
  4. [R16] Metro Credit Union 1/5 · US Force close: App has been force closing for weeks! (4 now) Despite removing the app and reinstalling it. As soon as I put in my password, the app will think for a few seconds then send me back to my Home Screen. Irritating would be putting it lightly. I’ve had to double up on running to the bank for a month now. Cannot remote deposit, which is very inconvenient.
  5. [R4] Metro Credit Union 2/5 · US Login: I have to login every time even when I say “remember me”
  6. [R10] Metro Credit Union 1/5 · US Shouldn’t have to name device every time: Verification process is wonky, never remembers device and will crash from time to time. Find a better developer, and find a better debit card provider. Card peels every 6 months and requires me to get a new one frequently
  7. [R20] Metro Credit Union 2/5 · US Why do you guys keep logging me out: I have Face ID and everything and it randomly logs me out in situations I need transfers please for the love of god fix this
  8. [R24] Metro Credit Union 1/5 · US Captcha makes it not work: I honestly may find another bank after experiencing 10 captcha image checks every time I need to check my balance.
  9. [R3] Metro Credit Union 3/5 · US Slow updates: The app has slow updates when I do transactions, also the snapshot
  10. [R5] Metro Credit Union 5/5 · US Metro FCU: I moved to Denver CO 2 yrs ago this month the only thing I knew I would have a big problem with was Metro didn’t have a location in Denver and I knew I did Not want to change to another credit union! I’ve been with them since I think at least 1987 maybe before! They’ve helped me in bad times and been there in my good times too! But I’m going to contact them I’m having trouble depositing
  11. [R8] Metro Credit Union 4/5 · US Doesn’t let me change the date when transferring funds: This new version won’t let me change the date when I’m transferring funds
  12. [R38] Metro Credit Union 1/5 · US Cannot deposit the check: Cannot deposit the check which is the only reason I use this app...said "not eligible" after updated. Very disappointed.
  13. [R9] Metro Credit Union 3/5 · US iPhone X: I like the new visual enhancements to the application. However I really think there needs to be an iPhoneX optimization update. Also something else that would be cool is if you guys could implement something like the simple bank with goals and such.
  14. [R21] Metro Credit Union 5/5 · US #lovemyMetro: The app is such a great tool! Easy to use and the convenience of checking my account at the touch of my fingertip is a GAME CHANGER! When I do go inside the bank or thru the drive thru, the tellers & bankers are genuinely glad to help you and answer questions, good conversation even for a short time. Even over the phone, great customer service is consistent. After experiencing other
  15. [R27] Metro Credit Union 5/5 · US Just a Great App: Love that I can customize the app for me! It’s everything I need.
  16. [R28] Metro Credit Union 2/5 · US New upgrade is a regression: I hate the new “upgrade”, it’s a regression and harder to read
  17. [R1] Metro Credit Union 1/5 · US Thiefs: Would not bank with them they’ll charge you right then and there place the transaction on hold then charge you again once it’s done pending and do nothing about it this has happened way too many times with sorry metro credit union DO NOT I REPEAT DO NOT BANK WITH THEM find someone bigger and better fnbo or Centris if you want a credit union
  18. [R2] Metro Credit Union 5/5 · US Review of metro Credit Union: Metro credit Union is the best credit union that I have ever tried. I recommend them to anyone.
  19. [R11] Metro Credit Union 5/5 · US Forever with MHCU: Member since 1985? Or close to.
  20. [R47] Metro Credit Union 5/5 · US Love the app: Metro credit union is a amazing bank. I love using the mobile app. It’s easy to use, very convenient and I love the option to deposit checks remotely. If you are looking for a bank that treats you like they have known you for years and a easy to use online source metro is for you!!!!
  21. [R58] Metro Credit Union 5/5 · US Long time member who doesn’t like change!: Honestly, I didn’t care for the new app at first because it was different than the old app, and I’m not a fan of change. However, now that I’ve been using the new app for a few months, I actually like it better. Remote deposit capture is much easier to use, and I can easily transfer to and from my accounts at other banks. I also like that I can see all of
  22. [R50] Metro Credit Union 5/5 · US Great App - One issue: I love the app and the new update. I would give it five stars, but it’s getting pretty annoying to have to log in every. single. time. Even after I select “Remember Me” & “Remember This Device” multiple times in the same day. I also have my Touch ID login set up and it still makes enter my username & password. It gives a message that says “You haven’t logged in awhile” even
  23. [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.
  24. [R36] Metro Credit Union 2/5 · US app: i do not like the look of the new features on the app would be nice to have the orignal look back was much easier to look at
  25. [R55] Metro Credit Union 5/5 · US Amazing App!: I love the new app so much! Extremely user friendly and it has everything you need right on your phone. Amazing job Metro! Love the new app!

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