# America's Credit Union — user reviews > 41 indexed App Store user reviews of America's Credit Union by America’s Credit Union, rated 4.70/5 from 2,536 ratings. - Source: https://appshunter.io/ios/app/americas-credit-union/id1526152338/reviews - App overview in markdown: https://appshunter.io/ios/app/americas-credit-union/id1526152338.md - Rating breakdown: 5★ 2,212 · 4★ 176 · 3★ 48 · 2★ 24 · 1★ 76 ## What do users think of America's Credit Union? Overall sentiment: negative **Pros** - ⭐ Awesome place to bank - 👍 User-friendly app - 🤝 Friendly and helpful staff **Cons** - 🤯 Confusing and difficult to use new interface - 🐛 Buggy mobile deposit feature - 💰 Excessive fees and charges **Commonly reported bugs** - Unable to login or access accounts - Persistent errors when depositing checks - Inconsistent app behavior across devices **Most requested features** - Dark mode option - Improved mobile deposit process - Better visibility of pending transactions ## Newest reviews (10 of 41) ### 4/5 — App review Perryman *2023-05-12, version 3.1.2* Super easy and handy, wish all apps were as convenient. ### 4/5 — ACU *2023-01-12, version 2.47.0* Friendly help when needed with online problems, loans and account information. ### 2/5 — Deposit of checks *2022-10-27, version 2.43.1* Last couple of times I deposit a check the white panel telling you to rotate the phone wouldn’t go way. And this time I couldn’t get the phone to take a picture of the back of the check. I got it to happen in the 3th try. Didn’t use to have any problems, but does now. ### 2/5 — Upset *2021-08-18, version 2.33.2* I was not aware that America’s Credit Union started charging transfer fees since they merged and was then because of the fees charged an overdraft charge of $35.00. Then I was told the submitted it for a refund because I’ve never had an overdraft before and I still have not been refunded the $35. This is at a bad time for me because I’m o leave from work. Before the merge I felt like America’s credit union really cared about their customers and would not charge all the these fees for this and that. ### 2/5 — Hate new app *2021-07-03, version 2.30.0* New app is confusing and very difficult to deposit checks. ### 2/5 — Pain in the butt *2021-06-07, version 2.30.0* Well designed concept, not user friendly. ### 2/5 — Check deposit *2021-05-21, version 2.30.0* Very difficult to get approved picture of back of check. ### 3/5 — Not A Fan Yet *2021-05-10, version 2.30.0* I have multiple accounts and one of them is now named “Closed....” even though it is not closed. Every transaction in my credit card account starts out with Loan Advance from Acu....” which is really annoying bc I have to tap each one to see what it is. ### 1/5 — New app *2021-05-06, version 2.30.0* Not user friendly. I’m wondering if I will EVER be able to keep up with my accounts now. Old one was simple to use. ### 1/5 — App doesn’t work *2021-05-03, version 2.29.0* The system updated over the weekend however there is still an error saying I can’t login. Called the office with no response. ## Most critical reviews (10 lowest-rated) ### 1/5 — Update is horrible *2025-11-26, version 4018.1.2* Ever since switching to the “new digital banking” I have not been able to access my account through my phone browser or the app. I just receive an error of “something unexpected occurred. Try again later” I have to use my laptop to access ### 1/5 — New interface is like four Gen Z *2025-11-13, version 4018.1.1* Everything is clunky there’s no dark mode it seems like he’s trying to be user-friendly, but he’s doing the complete opposite ### 1/5 — Customer since 1971 *2025-11-05, version 3.27.1* You need better respect!! Frustrated with this difficult program! ### 1/5 — Too hard *2025-10-29, version 3.27.1* I have other accounts outside ACU. Its just too hard to deal with ACU. Everything is a struggle. It certainly didntbuses to be this way. I've had my account for almost 40 years. ### 1/5 — Crooks *2025-09-19, version 3.27.1* How is it that a bank charges you excess transfer fees to move my own money? ### 1/5 — Camera capture terrible *2021-07-08, version 2.31.1* I’ve been depositing via mobile app for years. This latest under date has made camera capture almost impossible ### 1/5 — The merger has been a frustrating near failure *2021-05-25, version 2.30.0* ACU used to have a very user-friendly website and mobile app. Since the merge with the other credit union it has been frustration after frustration trying to figure it out, trying to make the mobile app work, trying to get accounts connected online. Even trying to deposit a check through my mobile phone has been a head banger. I attempt to take a picture and the notice to rotate my phone to landscape never goes away until I shut the entire thing down and start over again and then sometimes it works and sometimes it doesn’t. It’s completely frustrating. If I had started this account with the merged credit union I may have closed it out and gone somewhere else because it’s so frustrating. It’s almost to the point where I say I hate working with this bank. That’s a terrible place to be. ### 1/5 — Bill pay *2021-05-17, version 2.30.0* Can not add another account.. ### 1/5 — Pathetic *2021-05-11, version 2.30.0* Pathetic not answering calls not answering messages bad! ### 1/5 — Unable to sign in *2021-05-06, version 2.30.0* This app only gives me errors and won’t let me sign in. Nobody will answer the phone so no help is received. ## Most praised reviews (10 highest-rated) ### 5/5 — Review *2025-06-05, version 3.23.1* I’ve Been with ACU since it was Kraft Credit Union, since about 1989. Primary contact back then was a sweet lady named Lucille. Between KCU, and ACU, You’ve seen me through thick and thin, with Oil States Industries, either in the US, or the many countries that they sent me to - usually on troubleshooting ‘missions’. You all were always there to support me, for which I extend my eternal gratitude! Thank you from the bottom of my heart! Kindest regards to you all, Henry Burden. ### 5/5 — An A+ financial institution. *2025-04-20, version 3.22.0* I have enjoyed doing business with America’s Credit Union because it has shown me that they appreciate my business even though it is not a large amount in terms to dollars, but it is steady. ### 5/5 — Review *2025-02-28, version 3.20.0* If you take a look at my account, I’ve been with the credit union for a very long time. I’ve been very happy with the service all the way back to the starting years when Gary would help me with my account.. I love the instant messaging. Donna has helped me out immensely along with. I enjoy doing business with the bank and will continue for a long time. ### 5/5 — Opening app *2025-02-05, version 3.17.0* Just tried to open the America’s Credit Union app on my iPhone just now to see a credit service agreement. The big problem is that I must ‘agree’ to get to my account. Can’t check on my bank statements or transfers between accounts. It worked this morning, with out the credit statement, but is not working now. Fix this! All that is needed is a ‘don’t agree’ button. ### 5/5 — Awesome place to do all your banking needs *2022-11-15, version 2.47.0* A great place to bank. The staff are amazing ### 5/5 — Should be better *2021-07-13, version 2.31.1* Deposit pictures are rejected and you can’t see pending payments anywhere. ### 5/5 — Get the fixes done *2021-06-02, version 2.30.0* I love ACU but it was so much better before the merge. Perhaps after a little time, and after all the bugs are worked out, things will return to the awesome business as usual. Getting past the frustration cannot happen quick enough.I’m rooting for my favorite financial institution! Good luck to us all! A better rating is on its way, hopefully! ### 5/5 — Mobile Deposit *2021-05-19, version 2.30.0* Luv luv my easy deposit! Love my ACU ### 5/5 — Mobile banking *2021-05-17, version 2.30.0* While we appreciate and respect your decision to “upgrade” the app, it has unfortunately resulted in a great deal of confusion and inconvenience so far on our part. We have 2 checks to deposit and have spent over an hour attempting to deposit the first one, only to discover that we left out the account number on the endorsement (which the instructions don’t request). We have resubmitted that deposit with no visible means of cancelling the first one. Hopefully, the transaction will be denied for lack of information. We will now attempt to redeposit the other check in another account, for which we never received a confirmation last week. All of this could be easily resolved with a simple phone call to one of your pleasant and qualified representatives, and we apologize for not doing that . . . but that would defeat the purpose of a couple of 82 year olds trying to keep up with technology. ### 5/5 — Greatness *2021-05-12, version 2.30.0* Thank you for taking care of us for over 50 years!!! Very satisfied!!!♥️♥️ --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*