# Champions First Credit Union — user reviews > 29 indexed App Store user reviews of Champions First Credit Union by Champions First Credit Union, rated 4.60/5 from 1,327 ratings. - Source: https://appshunter.io/ios/app/champions-first-credit-union/id869490872/reviews - App overview in markdown: https://appshunter.io/ios/app/champions-first-credit-union/id869490872.md - Rating breakdown: 5★ 1,105 · 4★ 102 · 3★ 50 · 2★ 17 · 1★ 53 ## What do users think of Champions First Credit Union? Overall sentiment: negative **Pros** - 👍 Convenient app - 💡 Access to joint accounts **Cons** - 🐛 Frequent login issues - 🐛 Unreliable app performance - 🐛 Inconsistent user experience - 🐛 Buggy money transfer functionality - 🐛 Outdated and basic mobile platform - 🐛 Lack of essential features **Commonly reported bugs** - Inability to login consistently - Recurring payment issues - Incorrect account balance display - Unexpected transaction fees **Most requested features** - Mobile check deposit - Biometric login support - Improved transaction history and recurring payments - Seamless integration between app and website ## Newest reviews (9 of 29) ### 1/5 — Horrible *2020-07-03* Really I don't know how this app has almost five stars. I've been unable to access my online banking for nearly a year. It's awful. It crashes, it has error messages every other minute, I would go as far to say it's unusable. Not sure how a bank that has a good name for itself can get away with using such a worthless app. ### 1/5 — Think of the worst app youve ever used.... This one is worse. *2020-04-30* Genuinely the worst banking app I have ever used. Half the time you can’t even login to it 🥴 ### 1/5 — Horrid horrid horrid *2020-04-15* Literally imagine banking on an app that feels like a terrible old website. Got that picture? Now crumple it up and add a bunch of missing basic essential crap and now you are beginning to understand. This app has the WORST design. Looks like genuine crap and it breaks every other day. Like how can a banking institution with 100 million in assets have an app that looks like one 15 year old coded it in one day. Not to mention one that BARELY functions. This is quite possibly the single worst designed banking app and the worst functioning banking app I have single-handedly ever used. ### 2/5 — Needs another update *2020-04-10* While I love my FSUCU and those that work there, this app only allows me to login every so often. Most of the time it tells me it can’t recognize my credentials and the I should call. Even when using my correct password I am told the same. Very frustrating!!! ### 1/5 — Horrible app, okay bank *2019-09-21* Not sure how this app has 4.7 stars. This is the worst mobile banking app I’ve ever used. Mobile banking is extremely important and the only reason I keep them are the interest rates. They claim to be rolling out “major” updates to mobile banking around November. Hopefully they add Touch ID/Face ID Support, support for a credit card, better interface, and dare I say Apple Pay. ### 2/5 — Needs more features *2018-08-01* Like another user stated. This app would be great if it and its website was comparable to other banking apps. There should be the ability to see pending transactions, use Face ID, mobile deposit, etc. ### 1/5 — Useless *2015-03-29, version 4.7.153* A never-ending stream of identity questions. Worthless. ### 1/5 — USELESS! *2014-12-19, version 4.6.37* What's the point of having an online/mobile banking app if you can't check anything. It won't allow you to long end and gives you secret questions that you never gave the answer to! POINTLESS! Fix this ### 1/5 — Doesn't work at all *2014-11-30, version 4.6.37* I'm seriously considering switching to another bank because I can't even get into my account to see my checking or savings account. When I put my username in it just gives me endless secret questions to answer that I didn't even set up ## Most critical reviews (10 lowest-rated) ### 1/5 — App is trash *2026-06-29* The app is completely trash I choose this bank a week ago because my grandma has been banking there for years. Come to find out I can’t even spend the money in my account because my card number don’t even show in the app and I keep getting the same message when I try to make external transfers I’m starting to regret my choice create a better app immediately seriously being able to spend and move your own money when banking should never be a problem. ### 1/5 — Outdated app *2025-09-05* Would have been nice if they had put more money into developing a better mobile banking platform rather than a new main branch. ### 1/5 — Bad Banking *2025-08-19* I am 70 years old and never experienced banking this bad. Opened my account less than a year ago and have had one problem after another. The latest problem was in trying to transfer money from Champions First to another bank. When through the process and successfully linked the accounts. Went to the app and requested the transfer. Got an error message “this transaction cannot be processed at this time. Please try again later”. Tried the transaction two more times. Got the same message. Called the bank and they could not explain the problem. I was told to try again tomorrow. Tried the next day and got the same result. Made the request through the other bank and after five days, the money was credited to my account. However, the money was pulled back by Champions First. Called the other bank and inquired as to why and they informed me it was pulled back for insufficient funds. I went on line to check my balance. The money was in my checking account, but they tried to take it out of the savings account. So, I tried again and after six attempts, finally got the money transferred. Today I opened my account and discovered I was charged a $35 transaction fee. I would NOT recommend this institution to anyone. ### 1/5 — This app is mediocre *2025-04-14* I’ve been banking here since 2018 and consistently have login issues. The UI is also very basic. There should also be an option to lock your card. You should also be able to see recurring transactions. ### 1/5 — Visa pymt *2024-05-13* Can’t seem to handle payment of balance without showing amount due instead of selected payment. ### 1/5 — Horrible app *2022-11-15* While I love being with FSU Credit Union, this app is horrendous. I haven’t been able to login to my account for weeks because it’s saying it can’t recognize my credentials. There’s always something going on with this app. ### 1/5 — Do better *2022-04-29* I love banking with FSUCU, however this app is horrible. There is ALWAYS some issue with it. The updates if any are infrequent or non existing. There’s always an issue with logging in. I have to log in 2-3 times before actually getting access to my account. This app prompts me to change my password every 30 days. And when I do it never recognize the change. I have to use my desktop to correct it on the website. There’s always an issue with syncing to my other banking accounts. Why offer mobile banking if it is this much work to actually use the app? Do better 🤬 ### 1/5 — Absolutely awful *2021-04-12* What everyone else is saying is right. I switched credit unions because my husband and I merged accounts and he was already a member here. If he wasn’t already so invested in the CU, I would leave. ### 1/5 — FSUCU is the worst *2021-03-15* Switching to a bank. ### 1/5 — NOT WORTH THE SPACE *2021-01-28* Won’t even let me enroll ...horrible ## Most praised reviews (10 highest-rated) ### 5/5 — Awesome Credit Union!!!!!! *2021-04-12* No issues here. Great Customer Service. ### 5/5 — Great CU *2020-04-21* Makes life easy doing business with FSUCU ### 5/5 — Convenient app *2019-01-25, version 18.3.70* Convenient app ### 5/5 — Junk! *2014-12-21, version 4.6.37* This is not worth crap! Won't let you log-in, doesn't give you instructions or guides how to use. Whoever wrote this must not be honest. DO NOT TRUST THIS APP! ### 4/5 — Access to Joint Accounts *2022-11-02* Previously, we were allowed to access joint accounts. When I have to go to the office and wait in line to get statements for joint accounts, it is time consuming. For me to have to log out of my account and into my joint accounts for each child of mine, it becomes burdensome. Unsure of why this change was made 3/4 years ago - but I am considering leaving FSU CU as the other CU does allow me access to all my accounts. ### 4/5 — A Great Online Banking App! *2020-06-05, version 19.2.51* As a long time Florida State employee and credit union member, I’ve always just used the FSUCU website for my online banking needs. After hearing numerous recommendations, I decided to try the app. The Florida State University Credit Union app does exactly what you need it to do and is very quick and easy to use. Disregard the other review-I’m not sure what the other reviewer expects from a small credit union’s app. It definitely does what you need it to do. This app does a lot more than the website; you can quickly make internal and external transfers, make payments and pay bills, setup recurring payments, check balances and you can even check your current credit score. The app is a lot faster than the website. If you use an iPhone and have the thumbprint scanner enabled, you can sign in or check your balance with a single button press. Signing in with the app is MUCH faster than entering a long username and password on a website that may or may not be secure. It takes up almost no room on your phone and is definitely worth downloading and using regularly if you bank with the Florida State University Credit Union. ### 3/5 — Frustration *2019-06-30* Would be nice if I could transfer my money when I need to besides a error saying it can’t be transferred ### 3/5 — It's okay *2017-02-09* Would be nice if this app was comparable to other banking apps. Touch ID sign-in and mobile deposits would be a great start!!! ### 2/5 — Please do better…and soon *2024-01-24* I can’t believe this app has so many stars given how basic it is! I can’t even see my recurring transfers on it smh. With the app, customers should have access to roughly the same content and abilities as the website. This app is far from achieving that. ### 2/5 — Upgrade needed *2021-01-22* This app stinks! Never loads and doesn’t update your banking info right away. --- *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 2026-08-01.*