# Civic Federal Credit Union — user reviews > 120 indexed App Store user reviews of Civic Federal Credit Union by Civic Federal Credit Union, rated 1.70/5 from 7 ratings. - Source: https://appshunter.io/ios/app/civic-federal-credit-union/id1434569096/reviews - App overview in markdown: https://appshunter.io/ios/app/civic-federal-credit-union/id1434569096.md - Rating breakdown: 5★ 1 · 4★ 0 · 3★ 0 · 2★ 1 · 1★ 5 ## What do users think of Civic Federal Credit Union? Overall sentiment: negative **Pros** - 🚀 Seamless integration - 👍 Well-designed app - 🚀 Intuitive layout and navigation **Cons** - 🐛 Glitchy app performance - 🔒 Poor security and login issues - 👎 Terrible customer service - 💰 Excessive fees and charges - 🔍 Difficult to access account information - 🤯 Frustrating merger experience **Commonly reported bugs** - App crashes frequently - Delayed transaction updates - Inconsistent mobile deposit functionality **Most requested features** - Restore LGFCU's 5-digit PIN access - Improve mobile check deposit process - Add more ATM and branch locations ## Newest reviews (19 of 120) ### 1/5 — WORST BANK AND APP *2026-03-11, version 4019.0.1* I recommend switching banks. This used to be a good bank (LGFCU) until they switched to civic. It take’s over a month to even get a replacement card. The app makes me send a verification code everytime I log in even after saving my phone as a “trusted device”. I try to save it again and it says “this device already exists”. Terrible customer service, along with the annoying automated voices over the phone for a simple problem. Honestly, it’s in their best interest to just shut this bank down. If you can’t even send a card within the “10 business days” you say it arrives in, why keep the hank open? Or whoever operates needs to just step down and hand it over to people with common and logical sense. You know, someone who actually KNOWS what they’re doing. ### 1/5 — Worse Bank Ever *2026-03-05* This has to be the worse bank and app ever. Forced to switch from LGFCU, civic has messed up all of my accounts, constantly sending payments back when money is in my account then charge an nsf fee and creating late charges for my bills, they automatically decided who can mobile deposit and who cant and just remove the option all together, cant deposit through an atm, having to go into a store and stand in line for who knows how long pull up a activation bar to scan just to deposit money in your account is ridiculous!! ### 1/5 — Needs a Lot of Improvement *2026-02-22, version 4019.0.1* I banked with LGFCU for year with no issues. Once they forced us into Civic, everything is difficult. It cannot be that hard to properly train people. They're vaguely nice, do not speak very professionally, if you are able to get someone on the line. Craziest thing I've ever encountered at a bank. This world is going downhill fast. ### 1/5 — Do not bank here *2026-02-14, version 4019.0.1* They will screw you 100 percent. ### 1/5 — Needs work *2026-02-04, version 4019.0.1* When you open the app it shows your accounts but then when you click on anything it has you login. Which has to be a glitch and is in no way secure. I’ve clicked remember device several times yet every time it makes me verify with my phone number or email. ### 1/5 — Messed up my bills *2026-02-01, version 4019.0.1* I’m so very disappointed with this bank they have screwed up so many of my payments for my bills and have constantly retried the same e payments that I had the money to pay but they took too long to take the payment which resulted in my account going into the negative!!!! Very very horrible bank 😡😡😡 ### 1/5 — Why does the app not work? *2026-01-02, version 4019.0.1* Negative results app an website hasn’t been working right for 4 days ### 2/5 — Login every time *2026-01-01, version 4019.0.1* I have to login every time I close the app. Used to not be this way but it is annoying. ### 3/5 — Required me to save me device *2025-12-31, version 4019.0.1* I’m only giving it three stars because it’s requiring me to save my device every time I login and it’s the same device. It annoying and I’m tired of saving my phone under different names to sign in. Yes my phone is updated and so is the app. ### 1/5 — Unfortunately can’t give 0 stars *2025-12-05, version 4018.1.1* No need for a long winded statement. The app sucks, the bank sucks. They compliment each other perfectly. ### 1/5 — Former 30year LGFCU would give -10 STAY AWAY FROM THIS BANK!!! *2025-11-14* Forced into Civic from LGFCU member since around 1995. I work overseas I have all my bills auto pay. I have direct deposit never late on any bills. The bank has several ways to reach out to me email, phone number 828 with voice mail. My auto loan taken out with LGFCU 2024 full coverage insurance Farm Bureau the day of the loan. Civic without trying at all to contact me does a Forced CPI insurance charge to my auto loan of almost 7K dollars for insurance on the vehicle. That changed my auto payment by $600 more than I’m already paying. I’m expected to track down all the information and give to Civic to correct such a mistake that they made. Instead of just reaching out and emailing me or calling me no just here’s your new bill and you must pay it or prove that you had auto insurance during the time the loan and vehicle were secured. Stay away from these idiots with your hard earned money. I will be coming home on R&R changing Banks and moving all my accounts and giving everyone on any platform that will listen how this Bank should not be in Business to the public!!! ### 1/5 — Everything about this bank stinks *2025-11-07, version 4018.1.1* Not only is the bank a total rip off, the app is terrible. I’m tired of having to constantly login. No rhyme or reason to it. They are also involved in shady and illegal practices. I’m looking into getting a lawyer. Their “available balance” (no, not “current”, I understand that) can be anywhere from $100 to $1000 off. I have taken screenshots and I suggest you do the same. ### 1/5 — can't even get on app *2025-11-02, version 4018.1.1* every time i try to login it has a pop up about confirming time zone, when i click confirm it says email required but there's nowhere to enter an email. This is ridiculous and unacceptable because i haven't been able to access my account for over a week. ### 1/5 — Horrible *2025-10-20, version 4018.1.1* Worst financial institution I’ve ever had the displeasure of being forced to use. Now the app won’t load. Typical customer “service” from the place that says they care about people but really don’t. Joke of a credit union. ### 1/5 — App Don’t Work *2025-10-20, version 4018.1.1* I have to continually call for tech support, usually without getting help. At least once a week the app tells me it will “send a code” for me to log into in. The code never comes. It has been 4 days now and I cannot log into my account on any device either with the app or on the internet. Everything else works. I can log into any of my other financial apps with no problem. This needs to be fixed. I need to look at my bank account! ### 1/5 — Civic app *2025-10-15, version 4017.0.0* This app is terrible, I transfer money into my account and it doesn’t register for atleast 10-20 minutes and on top of that, when making a purchase it glitches and never hardly shows the funds coming out of the account. Regretting having my bank switched to this one more and more everyday especially because of this app. ### 1/5 — *Zero* stars *2025-10-04, version 4017.0.0* Terrible customer service. Nonstop issues ever since my bank switched to civic. ### 1/5 — Terrible *2025-10-03, version 4017.0.0* The app always have issues never loads can’t access funds without the stupid app no website or nothing. I cannot wait to switch and leave this bank. Should of never changed. ### 2/5 — Pin access *2025-10-03, version 4017.0.0* The LGFCU app allowed you to access your account with just a 5 digit pin so you didn’t have to enter your password each time. That makes the app so much more simple to access. Please restore that option! ## Most critical reviews (10 lowest-rated) ### 1/5 — The worst bank ever! *2026-08-14* This bank doesn’t do anything but steal your money. I’ve had so many issues since switching over. They allow others to continue to put you in a negative after already being in the negative! They told me they’d charge 75 dollars to overnight my bank card. Etc. This is the worst bank ever! Stay away! And they’re rude, unprofessional etc. They hire anyone! I HATE this bank! Please go out of business already! ### 1/5 — Worst financial institution on planet earth *2026-08-01* I have dealt with many banks and other financial institutions in my life. Let me just say, this disgrace of an organization is quite literally the worst one I have ever experienced. Don't bother with these morons unless you want to scream at your phone and break near by objects. ### 1/5 — App needs some work *2026-07-24* Sometimes the deposit option doesn’t show up and I am unable to deposit my checks through mobile deposit. ### 1/5 — Don’t work with this bank *2026-07-18* The LGFCU -> Civic transition happened a year ago now, and it remains one of the worst banking experiences I’ve had. No customer service, very few physical locations, the app often doesn’t work properly—including mobile deposit, viewing balances and transactions. I’ve had many normal, low value purchases flagged as fraud for some reason (though I’d rather them be over vigilant than under vigilant, I suppose). Apparently they recently wiped their app’s average score to try and get rid of the bad press, so I’m happy to give this review now to help them return to the 1-star status they deserve. ### 1/5 — This bank is a joke *2026-06-12* I went to two different gas stations today to try to make a deposit. I am originally a LGFCU member. I should have jumped ship while I could. Once my bank closed, the closest branch was an hour away and all they offered was sketchy deposits at gas stations and dollar tree locations. This bank is an absolute joke. Today is Thursday. Friday I will have a new bank. All I can’t say is chose ANYTHING but this bank. My mom would write the same review, and more. So crazy. ### 1/5 — Trash *2026-04-21* Worse app and bank switch ever. Going to change banks soon ### 1/5 — Horrible bank terrible app *2026-04-10* The app forces us to sign in every time even after selecting “stay signed in”, just trash. We would have never chosen this bank if weren’t forced to switch by LGFCU. The federal reserve and banks are this organizations (americas) biggest scam. Sadly Americans are too retarted to not pay taxes anymore so all I can do is spread truth, and the truth is this App and Bank is HORRIBLE!!!! Don’t listen to the bots that say the app and bank are good you will be better off putting your money in your mattress. ### 1/5 — Don’t *2026-04-08* Don’t do it. ### 1/5 — Horrible app *2026-03-29* Money takes sometimes hours to actually show that it’s not in your account along with this terrible app is always down or having some kind of issue. Got switched from LGFCU to this garbage and have been miserable ever since. ### 1/5 — Do not give this bank your $ *2026-03-15* If I could give -1 stars, I would. My experience with Civic Bank was unbelievably bad. The employees I dealt with were rude, unhelpful, and openly combative when I asked basic questions about my account. Instead of trying to solve the issue, they acted irritated that I even needed assistance. The lack of professionalism was shocking — dismissive attitudes, poor communication, and zero effort to actually help. Customer service at a bank should be the bare minimum, but this place completely missed the mark. The staff came across as uninformed about their own processes and unwilling to do anything beyond the absolute minimum. It felt like every interaction turned into an argument rather than a solution. If you expect respect, professionalism, or competent service, I strongly recommend taking your business somewhere else. ## Most praised reviews (10 highest-rated) ### 5/5 — Great bank *2025-10-16, version 4018.1.1* Idk what’s up with all the hate on this bank but I never had a issue with them yet great people and bank been with them for well over 6 months now ### 5/5 — Solid app *2025-09-02* So far it’s been a great app with lots of options for customization. Seems to get improved regularly. Love how I can deposit cash at retailers with the barcode generator. I’ve used it while on vacation and it was flawless. Explore the menus and find all the user controlled aspects to make it even better and what YOU need and want. ### 5/5 — Seamless Integration *2025-06-25, version 4017.0.0* App works well when linking in external accounts. I have a centralized view of all of my accounts in one place. ### 5/5 — Excellent App - better than most banking apps *2025-06-24, version 4017.0.0* This is one of the best banking apps I’ve used. It is very intuitive and I can do virtually anything on the app I need to do. Makes banking life so much more convenient! ### 5/5 — Sorry *2025-06-24* Support in this Credit Union is nonexistent to say the least. Had a question concerning the opening of a CD account. Was put on hold over 30 minutes and no one came on the line. Poorest customer service I have ever seen. ### 5/5 — Switch From LGFCU *2025-06-07* So far the card did switch but can’t check balance yet or see if I can login to this app … **UPDATE** The app is up and going now everything essentially transferred smoothly it just took a couple days but I am seeing features in this app that LGFCU didn’t have the only thing I will say is there’s a slight delay in other than that it’s all good I’m happy with it. ### 5/5 — Well designed *2025-06-04* The app provides som many tools to electronically move money between any credit union or bank. The credit score simulation is very useful. Layout is easy to navigate and design is intuitive. App works well ### 5/5 — No issues *2025-06-03, version 4017.0.0* Followed the steps, logged in on the app, and everything is like i left it. Almost same layout as the LGFCU app with more features. No complaints, happy with the switch. ### 5/5 — So far so good *2025-06-03* So okay the transfer was horrible. But they said what exactly happened would happen so I’m not mad. Said June 3rd everything would be straight and it happened three hours before. Update will come later from me. 🤦🏽‍♀️ ### 5/5 — Great features *2022-02-13, version 3021.3.0* The credit union always adds new and cool features. --- *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 2026-09-09.*