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

Royal Credit Union vs America First Credit Union

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

America First Credit Union has a slight edge due to its higher lifetime rating and fewer recent complaints about critical app functionality, despite both apps struggling with stability and recent updates.

Full reviews: Royal Credit Union · America First Credit Union

Both Royal Credit Union and America First Credit Union offer mobile banking apps that receive mixed reviews, with many users appreciating the convenience while others report frequent issues with login, transfers, and mobile deposits. America First Credit Union generally has a higher lifetime rating and fewer recent complaints about core banking functions.

Head to head

Features tieR46R58R52R59
Royal Credit Union Royal Credit Union users appreciate features like mobile check deposit and automatic transfers, and the ability to manage multiple accounts including business accounts R46R58R52. However, recent updates have negatively impacted some features, such as pending transactions no longer showing R59 and difficulty paying loans from external accounts within the app . Some users also note the app is basic and connects to a separate platform for credit card payments R15.
America First Credit Union America First Credit Union offers card controls and spending categorization, which users find helpful for managing finances . However, users report issues with specific features like transferring funds within their own accounts , difficulty making online payments without calling , and the absence of Zelle . Some users also find it difficult to locate account numbers or distinguish between cards .
Ease of Use tieR17R20R52R4
Royal Credit Union Many Royal Credit Union users find the app easy to navigate and user-friendly for checking balances, making transfers, and bill payments R17R20R52. However, recent updates have introduced significant usability issues, including a less user-friendly interface, smaller font R4R7, difficulty with check deposits due to extra steps or errors R12R45R47R55, and challenges with login and transferring money R37.
America First Credit Union America First Credit Union users generally describe the app as easy to navigate and simple to use for daily financial activities . However, a significant number of users report difficulties with the interface, calling it outdated and not user-friendly . Specific complaints include functions being out of view on smaller screens and a search function that doesn't work effectively for transactions .
Reliability tieR9R7R19R27
Royal Credit Union Royal Credit Union users frequently report issues with app reliability, including constant SSL errors R9, crashes upon opening R7R19, the app being constantly down or not working R27R28, and login struggles R37R51. Transfers and check deposits are particularly problematic, often crashing or failing to process correctly R7R33R45.
America First Credit Union America First Credit Union users experience frequent reliability problems, with the app often undergoing maintenance and login issues such as Face ID not working, requiring constant password updates, or MFA codes not being sent R63. Users also report slow transaction updates and incorrect balances .
Price/Value tieR15R2R29R71
Royal Credit Union Royal Credit Union users appreciate the overall value, with some noting they have low rates R15 and that the app is useful for managing various loans and accounts R2R29. The app is free to download.
America First Credit Union America First Credit Union users express satisfaction with the overall value of the credit union, with many being long-term members R71. The app is free to download.
Support edge: Royal Credit UnionR2R14R29R54
Royal Credit Union Royal Credit Union receives high praise for its customer service, with users reporting friendly, helpful, and knowledgeable staff who answer calls quickly R2R14R29R54. However, some users have experienced subpar customer service, including issues with account setup, staff turnover, and refusal to provide notifications for inactivity fees R33.
America First Credit Union America First Credit Union is lauded for its excellent customer service, with members appreciating helpful and smiling staff in branches and on the phone . Conversely, some users report terrible customer service, long hold times, calls being dropped, and unhelpful AI .
Pick Royal Credit Union if

You prioritize strong customer service and a credit union with a long-standing local presence, and are willing to tolerate potential app issues, especially after recent updates R2R14.

Pick America First Credit Union if

You are looking for a credit union with a highly-rated app that generally offers easy navigation and useful financial management tools, and you are an existing long-term member who values the overall institution .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Both apps have a significant number of recent negative reviews related to app functionality and stability, despite high lifetime ratings. The evidence for both is robust, with many users expressing strong opinions, both positive and negative.

Frequently asked

Do these apps have reliable mobile check deposit?
Neither app has consistently reliable mobile check deposit; Royal Credit Union users report recent updates made check deposit worse, with issues like needing to dismiss instructions repeatedly, checks being flagged for review, or pictures not focusing R12R45R47R55. America First Credit Union users also report difficulty with the app not reading checks they are trying to deposit .
Are there frequent login issues with these apps?
Yes, both apps have frequent login issues; Royal Credit Union users struggle with logging in, face SSL errors, and report the app crashing R9R37R51. America First Credit Union users experience Face ID failures, constant password updates, and multi-factor authentication problems where codes are not sent R63.
Do these apps allow easy transfers between accounts?
Users of both apps report difficulties with transfers; Royal Credit Union users find the transfer system broken, with the app crashing during transfers or not showing updated balances R4R7R28R33. America First Credit Union users also report issues with transferring funds within their own accounts and the app not allowing money transfers .

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. [R46] Royal Credit Union 5/5 · US Time saver: I enjoy the app because it’s super convenient to cash checks and transfer money from my phone without having to go to an ATM or a bank location.
  2. [R58] Royal Credit Union 5/5 · US Awesome business banking app: I love the ease of use, tools and features that make my busy life easier. Mobile check deposit and automatic transfers are very helpful to me. I also like being able to pull transaction reports by account for my business. Makes tax season a breeze.
  3. [R52] Royal Credit Union 5/5 · US Easy!: I love my Royal app. I can quickly check balances make transfers and keep track of all four of my kids spending!!! Bill payment is a breeze! The app continues to be improved and appreciate that!
  4. [R59] Royal Credit Union 1/5 · US Version 2022.09 missing info: This new update has eliminated a very important piece of information. For the checking accounts, it no longer shows pending transactions. So now I cannot see what is sitting out there to make my current balance different from my available balance. That information was very useful and needs to be brought back.
  5. [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
  6. [R20] Royal Credit Union 5/5 · US Great app: Great app. Easy to use.
  7. [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.
  8. [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!)
  9. [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
  10. [R19] Royal Credit Union 1/5 · US Crashes on open: The app completely crashes the second it’s open and will not let me use it.. I’ve uninstalled and reinstalled and there’s no available updates.
  11. [R27] Royal Credit Union 3/5 · US Really convenient... when it works.: I use this app daily and it is very convenient, however, lately I’ve been receiving “try again later” responses almost every day. I use this app to manage money and view my balance and have stopped using a manual log. Not being able to check my balance gets very frustrating. Again, it’s a fantastic app when it’s working properly.
  12. [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.
  13. [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
  14. [R29] Royal Credit Union 5/5 · US Great customer service & banking products: Friendly, local CU with lots of products (chkg, saving, lines of credit, vehicle loans HELOCs, CDs…They are always helpful when we have questions, offer what we need, and make banking easy with their online and mobile banking! Highly recommend them for their service!
  15. [R71] America First Credit Union 4/5 · US AFCU is the Best!: I’ve been a member since 1994! Still going strong. I don’t “Bank” at AFCU. I “CREDIT UNION” at a AFCU!!!
  16. [R14] Royal Credit Union 5/5 · US Excellent customer service: Great customer service every time. Prompt & always outgoing every time!
  17. [R54] Royal Credit Union 5/5 · US Employees first seem happy,: Employees treat us your customers like they are treated. There is not a “ dumb down “ attitude amongst your group. They are helpful and knowledgeable.
  18. [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
  19. [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.
  20. [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.
  21. [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
  22. [R37] Royal Credit Union 1/5 · US Login struggles: Logging in is a struggle itself, most of the time it won’t let me gain access. The fact that it is also hard to transfer money is also beyond me. Needs some serious work.
  23. [R51] Royal Credit Union 1/5 · US Login is currently broken: Needs a fix
  24. [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.
  25. [R28] Royal Credit Union 2/5 · US App Constantly Down: The app is constantly down or not working. In the middle of the day it will be down or things like transaction history will be unavailable. They do not have Zelle pay. Things like balances do not update after making transfers to connected accounts such as a savings account.
  26. [R33] Royal Credit Union 1/5 · US Worst: This app never works properly and the transfer system is broken. Most employees know nothing of its structure and overall the company is a joke. It’s a corporation disguised as a friendly neighborhood business. High turnover rate, no real reason to give them your money. Stick with big banks that have power in the market. This is just a new fave trying to buy up Wisconsin.

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