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

Royal Credit Union vs CommunityAmerica Credit Union

Royal Credit Union 4.8★ · Free to download 60
Winner CommunityAmerica Credit Union
CommunityAmerica Credit Union 4.8★ · Free to download 65

CommunityAmerica Credit Union (App B) has a slight edge due to its generally stable core functionality when it works, despite frequent crashing issues, while Royal Credit Union (App A) suffers from more fundamental usability and feature problems after a recent update.

Full reviews: Royal Credit Union · CommunityAmerica Credit Union

Both Royal Credit Union and CommunityAmerica Credit Union apps are free to download and have high lifetime ratings, but recent reviews highlight significant app stability issues for CommunityAmerica and usability problems for Royal Credit Union following an update. CommunityAmerica's app is praised for its straightforward functionality when it opens, whereas Royal Credit Union's update introduced difficulties with navigation, check deposits, and accessing key features.

Head to head

Ease of Use & Interface tieR4R7R10R17
Royal Credit Union Many users report a significant decline in ease of use and interface quality after a recent update, citing smaller font, difficulty navigating, and a less user-friendly design R4R7R10. Specific issues include problems returning to the home page after transfers, inability to copy/paste login credentials, and a confusing process for making loan payments R4. However, some long-term users still find the app easy to navigate and user-friendly R17.
CommunityAmerica Credit Union Users generally describe CommunityAmerica's app as straightforward and easy to use when it functions correctly . However, a major complaint is the app's frequent crashing upon login, often requiring multiple attempts to access accounts R61R63R66R67.
Features & Functionality edge: CommunityAmerica Credit UnionR7R12R15R24
Royal Credit Union Users praise features like mobile check deposit and automatic transfers as helpful . However, recent updates have made check deposit much longer and prone to errors, with checks being flagged for review despite clarity R12. Other reported issues include pending transactions no longer being visible, difficulty paying loans from external accounts, and credit card features not working R7R15R24. Zelle Pay is not available .
CommunityAmerica Credit Union The app offers standard banking functions like checking balances, making payments, and receiving payments . However, users report issues with credit card transaction notifications not working R64R96R100 and slow processing times for payments to reflect . Mobile deposit is described as glitchy and unreliable by some .
Reliability & Performance tieR7R9R19R27
Royal Credit Union Many users report the app crashing, especially during transfers, or being down for maintenance R7R19R27. SSL errors are constant for some, preventing proper function R9. Login struggles are also reported .
CommunityAmerica Credit Union A significant number of recent reviews indicate that the app frequently crashes upon opening or after login, often requiring multiple attempts to access R61R63R66R67. Some users also report the keyboard not opening R61.
Customer Service & Support edge: Royal Credit UnionR2R14R16R18
Royal Credit Union Many users highly praise Royal Credit Union's customer service, citing prompt, helpful, and friendly staff who are easy to reach by phone R2R14. However, some report sub-par service, high staff turnover, and issues with account setup R16R18.
CommunityAmerica Credit Union Users generally express satisfaction with CommunityAmerica's customer service and the care they receive from the bank . One user mentions a positive experience with a teller during an overdraft issue .
Value & Overall Experience tieR1R2R8R15
Royal Credit Union Many users have been long-term members, expressing high trust and satisfaction with the credit union as a whole R2R8. Some appreciate the low rates offered R15. However, recent app issues have led some to consider switching banks . There are also complaints about overdraft fees and slow transaction processing .
CommunityAmerica Credit Union Users generally love CommunityAmerica Credit Union as a bank, citing it as the best banking experience for some . However, the persistent app crashing significantly detracts from the overall experience, making it frustrating to access services R61. Some users also find the constant requests to rate the app annoying R1.
Pick Royal Credit Union if

You prioritize excellent human customer service and are willing to tolerate recent app interface and functionality issues, especially if you don't frequently use mobile check deposit or external loan payments R2R14.

Pick CommunityAmerica Credit Union if

You need an app with generally straightforward core banking functions and are prepared to deal with frequent crashes upon opening, as the app is otherwise considered functional once accessed .

Evidence note: Both apps have high lifetime ratings, but recent reviews for both are heavily skewed negative due to app performance issues. For Royal Credit Union, the negativity primarily stems from a recent app update that changed the interface and introduced bugs. For CommunityAmerica Credit Union, the negativity is almost exclusively due to persistent crashing issues upon login. The free-to-download nature means users are likely to be existing credit union members, and their frustration is with the app's performance rather than free-tier limitations.

Frequently asked

What are the main problems with the Royal Credit Union app?
The main problems with the Royal Credit Union app include a recent update that made the interface less user-friendly with smaller font, difficulties with navigation, frequent crashes during transfers, and significant issues with mobile check deposit functionality R4R7R10R12.
Why do users complain about the CommunityAmerica Credit Union app?
Users primarily complain about the CommunityAmerica Credit Union app constantly crashing upon opening or after login, often requiring multiple attempts to access their accounts R61R63R66R67.
Does either app have issues with push notifications or alerts?
The CommunityAmerica Credit Union app has issues with push notifications, with users reporting that they do not receive transaction notifications for credit/debit card usage R64R96R100. Royal Credit Union reviews do not specifically mention issues with push notifications, but one user was told that inactivity fee notifications are not allowed R18.

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. [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.
  2. [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
  3. [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.
  4. [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
  5. [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
  6. [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.
  7. [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
  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. [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.
  10. [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.
  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. [R1] Royal Credit Union 1/5 · US Rating: I am giving a one star because it won’t stop asking me to rate despite how many times I’ve rated. Please stop Popping up when I log in
  16. [R8] Royal Credit Union 5/5 · US RCU for the win!: RCU has been terrific so far! So much better than my last bank!
  17. [R61] CommunityAmerica Credit Union 1/5 · US Too many bugs: Last update required to login multiple times. The current app won’t open the keyboard. This app is clunky and never smooth.
  18. [R63] CommunityAmerica Credit Union 3/5 · US App closes out after putting in password: Have to have this app because it's my bank but it's very frustrating that my app closes every single time I put in my password and enter, just immediately kicks me out of the app. It's a fine app besides this bug.
  19. [R66] CommunityAmerica Credit Union 3/5 · US Crashes: Over the last month starting in June I tried to open the app and it crashes. Sometimes two or three times before it will finally open.
  20. [R67] CommunityAmerica Credit Union 2/5 · US App Now Crashes All The Time: This used to be a solid app; now it crashes upon login all the time (sometimes multiple times attempting to login)
  21. [R64] CommunityAmerica Credit Union 1/5 · US Credit card alerts: Still not getting transaction notifications on my iPhone 16. Was hoping the new update would fix it, but sadly no. I know the developers are aware. When will a fix come?
  22. [R96] CommunityAmerica Credit Union 3/5 · US Missing something: I LOVE this bank, but I wish the app supported live push notifications! It has everything but that! Whereas anytime a charge is made to one of your accounts the app notifies you on phone via push notification. I don’t understand why prepaid card apps will do that but actual bank apps won’t. The app crashes at times when you try logging into it, so then you have to make a second
  23. [R100] CommunityAmerica Credit Union 1/5 · US Constant crashes and no notifications.: Used to be great but now it crashes multiple times before you can log in and most importantly I don't receive push notifications about my credit/debit card usage. I find myself using other credit cards for that reason. There hasn't been an update for two months, iOS updated at least twice in the same time. All my other credit card apps work normally. Fix thi

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