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

Royal Credit Union vs RBFCU

Royal Credit Union 4.8★ · Free to download 65
Winner RBFCU
RBFCU 4.8★ · Free to download 70

While both apps have recent issues with updates, RBFCU appears to have a slight edge due to more consistent praise for its overall service and fewer critical complaints about core banking functions compared to Royal Credit Union.

Full reviews: Royal Credit Union · RBFCU

Both Royal Credit Union and RBFCU offer free banking apps with high lifetime ratings, but recent updates have caused significant user frustration for both. Royal Credit Union struggles with a redesigned interface, small fonts, and frequent app crashes, while RBFCU users report issues with login, transfers, and mobile deposit functionality.

Head to head

App Interface and Usability tieR3R4R7R10
Royal Credit Union Royal Credit Union users are largely dissatisfied with recent app updates, citing a less user-friendly interface, smaller font sizes, and difficulty navigating to basic functions like transfers and loan payments R3R4R7R10. Some users find it impossible to paste login credentials or access business accounts after updates .
RBFCU RBFCU users also express frustration with recent app updates, noting that the new versions are slow, require more steps for access, and make it difficult to find specific options or transfer funds . Some find the interface buggy and confusing, with account numbers not fully displayed .
Reliability and Performance tieR4R7R9R12
Royal Credit Union Royal Credit Union users report frequent app crashes, SSL errors, and functions not working properly, especially for transfers and credit card information R4R7R9. Mobile check deposit is a significant pain point, with users calling it 'awful' and 'unusable' due to issues with photo capture and constant flagging for review R12R45R47R53. The app is also frequently down for maintenance .
RBFCU RBFCU users experience constant errors, app crashes, and login issues, with biometrics often failing and requiring passwords . The transfer feature is frequently reported as non-functional . Mobile check deposit also has issues with background interference .
Features and Functionality tieR15R24R30R39
Royal Credit Union Royal Credit Union users praise the ease of checking balances, making deposits, and transfers when the app works R30. However, critical features like paying loans from external accounts are missing or difficult to find R39. Users also note the absence of pending transactions and ACH visibility in recent updates R24. Credit card payments and statements often don't work within the app R15.
RBFCU RBFCU users appreciate the convenience of the app for daily tasks . However, users frequently request the addition of Zelle R81R87 and a widget for balance overview . Issues include the chat messenger not working , difficulty setting up alerts , and problems with bill pay . Some users also report their Mastercard missing from the account summary and inability to easily pay off loans .
Customer Service and Support edge: RBFCUR2R14R16R18
Royal Credit Union Royal Credit Union receives high praise for its customer service, with users noting friendly, helpful, and knowledgeable staff who are easy to reach by phone R2R14. However, some users report subpar in-branch service, high staff turnover, and issues with account setup R16. There are also complaints about not being able to set up inactivity fee notifications R18.
RBFCU RBFCU members consistently commend their customer service, describing staff as professional, courteous, attentive, and helpful in resolving problems . However, there are isolated complaints about long wait times at branches and issues with automated answering systems .
Overall Satisfaction and Value edge: RBFCUR2R8R15R17
Royal Credit Union Many long-term Royal Credit Union members express strong loyalty and satisfaction with the credit union as a whole, citing great fraud prevention, low rates, and overall trust R2R8R15R17. However, recent app issues have led some long-time members to consider switching banks R45R47. Users also complain about excessive overdraft fees and slow transaction processing .
RBFCU RBFCU also garners strong loyalty and positive sentiment from long-term members, who praise it as a 'great credit union' with 'no hidden fees' . Despite app glitches, the overall sentiment towards the institution remains very positive. Some users are frustrated by constant app review requests .
Pick Royal Credit Union if

you prioritize excellent human customer service and are willing to overlook recent app frustrations, especially if you are a long-term member who values their overall banking products and low rates R2R14R15.

Pick RBFCU if

you are looking for a credit union with consistently praised customer service and a generally reliable banking experience, even if the app has occasional glitches and missing features like Zelle .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Both apps have high lifetime ratings, but recent reviews for both are heavily skewed negative due to app updates. The comparison focuses on these recent user frustrations.

Frequently asked

Do these apps have issues with recent updates?
Yes, both Royal Credit Union and RBFCU apps have received numerous negative reviews regarding recent updates, with users citing worsened interfaces, bugs, and reduced functionality R3R4R7R10.
Are transfers and mobile deposits reliable on these apps?
Users of both apps report significant issues with transfers and mobile deposits; Royal Credit Union users find check capture 'awful' and 'unusable' R45R47R53R55, while RBFCU users frequently mention transfer features not working and mobile deposits crashing .
Do these apps offer Zelle?
Royal Credit Union does not mention Zelle in its reviews, but RBFCU users frequently request the addition of Zelle, indicating it is currently not a feature R81R87.

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] Royal Credit Union 3/5 · US App Update: I actually like the old app version better.
  2. [R4] Royal Credit Union 1/5 · US Bad interface: I don’t like the change to the interface. The new update to the app is less user friendly and it doesn’t work properly. When I transfer from different accounts and hit “view accounts” it just goes back to the transfer menu and I have to restart the app just to get to the home page.
  3. [R7] Royal Credit Union 1/5 · US New update made the app worse: I struggle with my eyesight and the homepage's font is way too small and one note for me to be able to navigate as easily as I used to. I used to love this app for how simplistic and helpful it was, but now I can't make a transfer without it crashing and being down for at least 10 minutes, it won't show my auto loan balance on the main page, and if I click "make a pa
  4. [R10] Royal Credit Union 1/5 · US Changed UI: The previous User Interface was completely fine, I don’t know what you made more accessible or easier to find, everything is where it was before. You just made the app look like garbage and made the font smaller. Not very “accessible.” Do better and change it back.
  5. [R9] Royal Credit Union 3/5 · US SSL Errors: Fairly constant SSL errors preventing most functions from working properly. Usually when accessing credit card info or paying from an external account. (This has been for over a year!)
  6. [R12] Royal Credit Union 3/5 · US Useful, but check deposit needs improvement.: Generally a useful app. I use it for personal and business checking and I like that I can navigate between accounts and account types easily. Unfortunately, a recent update made it so the deposit instructions are shown and have to be dismissed for the front and back photo of each check you want to deposit. This has caused check deposit to take much l
  7. [R15] Royal Credit Union 3/5 · US Very basic banking app: It works. It connects to a separate Fiserv platform for credit card payments. The buttons for credit card payments, statements, and rewards often do not work. I haven’t been able to see a CC statement on the app. I’m okay that RCU has a very basic app, because they have the lowest rates around.
  8. [R24] Royal Credit Union 3/5 · US No ACH: When the app first came out Even Online access you could see ACH. Now it’s not a feature to be seen. Other than that it’s a good app
  9. [R30] Royal Credit Union 3/5 · US Love The App: Everything from balance checks, deposits, and transfers, are simple, quick, and now!
  10. [R39] Royal Credit Union 1/5 · US Auto loan: This app makes it nearly impossible to make a payment from a not royal account. I also can not find how to set up auto pay.
  11. [R2] Royal Credit Union 5/5 · US 5 stars: I’ve had royal credit union for over 15 years. The people are great, the app is great, the fraud prevention is great, everything is great. If you have questions, you can call and talk to a real human from the United States in just a few minutes and they will know exactly how to help you. I don’t plan on leaving royal credit union anytime soon. They have half my mortgage, several car loans
  12. [R14] Royal Credit Union 5/5 · US Excellent customer service: Great customer service every time. Prompt & always outgoing every time!
  13. [R16] Royal Credit Union 1/5 · US Not only is their customer service sub par, so is their internal system.: Every time I go into a branch location. There are new associates. They can barely keep staff on. My account had to be set up a minimum of 5 times because they kept entering my information in wrong. The list goes on and on.
  14. [R18] Royal Credit Union 3/5 · US Very disappointed: I have multiple accounts and asked to be notified if any are about to be charged fees for inactivity. “This is not allowed” is what I’m told. This is also very poor customer service.
  15. [R8] Royal Credit Union 5/5 · US RCU for the win!: RCU has been terrific so far! So much better than my last bank!
  16. [R17] Royal Credit Union 5/5 · US best Bank / Credit Union in Wisconsin: I love this credit union and the app is very easy to navigate and user friendly
  17. [R45] Royal Credit Union 1/5 · US Unsuable: The new check capture is AWFUL. I’ve been mobile depositing checks since this technology became available, and this latest version is unusable. I’m going to have to physically go to the bank to deposit my checks… which is ridiculous. I’ve been a RCU member for 25 years and if this isn’t improved quickly I’ll be switching banks.
  18. [R47] Royal Credit Union 2/5 · US Mobile deposit is awful: The update made mobile deposit even worse. It was awful before and not it’s barely useable. Every check I deposit gets flagged for review because it says it’s possibly missing payee, date, amount, and signature. They’re all crystal clear on the check. Its such a pain. RCU as a whole is amazing but I’m considering switching banks just because of how bad the app is.
  19. [R53] Royal Credit Union 1/5 · US Check capture: Check capture doesn’t work 2/3 of the time
  20. [R55] Royal Credit Union 2/5 · US Fix check deposit: I get a lot of checks and have a pretty good system down for depositing checks. But lately y’all are telling me the from and back of the check aren’t the same size. Folks, I don’t move my phone or my check from the little cradle I’ve built for this. When I try to manually take a picture, it doesn’t focus. And other times, it gives me an image that looks like there was a picture
  21. [R81] RBFCU 3/5 · US Needs Zelle: It’s 2026 add Zelle to the app !
  22. [R87] RBFCU 3/5 · US App is great. Missing one feature: When are you going to add Zelle. This is the only missing feature needed. I hope it is soon.

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