# Financial Center First CU — user reviews > 105 indexed App Store user reviews of Financial Center First CU by Financial Center First Credit Union, rated 4.84/5 from 773 ratings. - Source: https://appshunter.io/ios/app/financial-center-first-cu/id594824876/reviews - App overview in markdown: https://appshunter.io/ios/app/financial-center-first-cu/id594824876.md - Rating breakdown: 5★ 675 · 4★ 63 · 3★ 5 · 2★ 2 · 1★ 10 ## What do users think of Financial Center First CU? Overall sentiment: mixed **Pros** - 👍 User-friendly interface and easy navigation - 💡 New SavvyMoney feature for credit monitoring - 🔗 External account linking and transfers - 💰 Savings goals feature - 🎨 Customizable account names and colors - 💳 Enhanced card management and settings - 📱 Mobile deposit functionality - 🚀 Faster app performance - 👥 Peer-to-peer payment capability - 🎯 Dashboard customization options - ✨ Modern, clean design aesthetic - 🏦 Excellent in-branch customer service **Cons** - 🐛 Face ID/Touch ID authentication glitches - ❌ Removed planned transaction feature - ❌ Removed true balance tracking - 🔐 Excessive security questions for internal transfers - ❌ Removed transaction log option - 📊 Credit card activity not displayed in app - 🐛 Mobile deposit issues - 🔧 Bill pay confusing and unintuitive - 🐛 Inter-account transfers not working properly - ⚠️ Incorrect payment addresses stored - 🐛 Pending transactions visible in app but not to support - 📱 App incompatible with iPhone 14 Pro Dynamic Island - 🐛 App crashes on older iOS versions - 🔤 Small font size for credit card balances - ❌ Cannot paste passwords from password managers **Commonly reported bugs** - Face ID authentication fails repeatedly - Touch ID authentication fails repeatedly - App crashes immediately after login - App opens upside down - Security question answers not registering - Mobile deposit rejection issues - Bill pay feature missing or hard to find - Inter-account transfers not displaying - Links require multiple clicks to work - Manage cards feature non-functional - Pending transactions not visible to customer service - App incompatible with iPhone 14 Pro models - App incompatible with iPhone 13 and iOS 15 - Live chat support unresponsive - Account lockouts requiring branch visit - App slow to load (25+ seconds) - Password field doesn't allow pasting **Most requested features** - Credit card activity display in app - Restore planned transaction feature - Restore true balance tracking - Reduce security questions for internal transfers - Restore transaction log search functionality - Apple Pay integration - Apple Watch support - Apple TV support - Siri integration for quick balance - Notification widgets for iOS - 3D Touch options - Transaction notifications for large purchases - Low balance alerts - iPad app version - Password save functionality - Branch location directory - Loan payment due dates and amounts display - Dark mode option ## Newest reviews (17 of 105) ### 4/5 — Mobile *2026-06-25, version 4021.0.2* I miss the pending option before the update. ### 3/5 — Better than before *2025-11-06* App is 1000x better than in the past. Couldn’t even reliably login to the other more than 3x/year, no matter the # of attempts. I’ve only run into mobile deposit issues and intermittent working on the site so far. So, better than before. Middling so 3 stars for now. **Developer response:** Thank you for taking the time to share your experience with our app. We’re glad to hear that you’ve noticed a significant improvement from the previous version – delivering a more reliable and accessible Digital Banking experience is exactly what we’re working toward every day. We also appreciate your honesty about some of the intermittent performance issues you’ve encountered. Your feedback helps us continue improving, and we want to make sure everything works smoothly for you. If you’re open to it, you can reach out to our team at communitydevelopment@fcfcu.com with contact information and we would be happy to take a closer look at what you’re experiencing so we can try to help resolve it. Thank you for being a member and for giving the updated app a try! ### 4/5 — Needs credit card activity *2025-08-05* It’s a pretty good app and pretty clean to use, but there needs to be a way to display activity on the app for my credit card just like it shows activity for checking accounts/savings accounts ### 4/5 — Amazing upgrade *2024-11-20* Comparing the old app, this is an amazing upgrade. There are still some things that need to be altered but overall I love the new look and features they have added. I really love how we can change the names on the accounts and also change the colors. This will help me with color coding my accounts and minimize confusion. ### 5/5 — Love the new app! *2024-11-20* The new app has so many new wonderful things! Linking and transferring from external accounts! Setting up savings goals! Seeing my credit score on the dashboard! And so many more new, helpful features! ### 5/5 — Finally Here! *2024-11-20* Great new features that I have been waiting for. From Savvy money where I can monitor my vantage score from Trans Union to the added services available through the app, my banking is much faster and easier. ### 5/5 — New Update *2024-11-20* The new update to the online banking has been very convenient. Once you play around with the app everything is easily accessible. It wasn’t too difficult to add everything back such as external accounts. With every new update there’s going to be some issues that will arise in the process, but with this new app it is easy to navigate. ### 5/5 — Great app *2024-11-20* The updated look and features of the app are great. It’s great to have access to add outside accounts for transfers and be able to view the balances all from one place. ### 5/5 — Better. Faster. Easier. *2024-11-20* Great update to online banking! I love the free credit score to help keep me in line with my financial goals. The app is user friendly and looks much nicer than the old one. Nice job FCFCU! ### 5/5 — New and Improved *2024-11-20* The app has improved so much. More than your everyday banking. You can check your credit score, manage all your card settings like setting alerts so you won’t spend over a certain amount. Connects with an external institution. The transaction was smooth form the previous app also! ### 5/5 — Love the new features *2024-11-20* I love that they added so many more features making this app much more robust than the last one. All my stuff is in one place and easy to navigate. ### 5/5 — New app is awesome! *2024-11-20* Loving the new app look and feel and the increased functionality. Able to see things I wasn’t before, connect my external accounts, and even pay friends and family. ### 5/5 — Great update! *2024-11-20* Huge improvement from the previous experience. Love the saving goals, and that I’m able to link to external accounts for easy transfers! Thank you, Financial Center! ### 5/5 — Decent new version *2024-11-20, version 4014.2.1* I like the new version of the app. I can monitor my credit and do external transfers to or from my credit union account. Very easy to use. ### 5/5 — November New update *2024-11-20, version 4014.2.1* Love this new app has so much new stuff ### 5/5 — Great App & CU! *2024-11-20, version 4014.2.1* App works wonderful and no issues with the transition! ### 5/5 — Amazing Upgrade *2024-11-20, version 4014.2.1* User friendly app! Amazing upgrade! ## Most critical reviews (10 lowest-rated) ### 1/5 — Terrible *2025-01-03* New “upgrade” is perfect example of why you shouldn’t change what was working. Bill pay is confusing and not intuitive. CU had entered wrong payment addresses and my bills weren’t paid on time, incurred late charges. There’s a current pending hold transaction dated November that I can see on the app but customer service cannot. Seriously, WTH. If upgrades must be made MAKE SURE TO WORK OUT THE BUGS PRIOR TO RELEASING. ### 1/5 — Take it back or fix it *2024-12-16, version 4014.2.1* The app before was a no brainer when making vehicle payments, now it is impossible to make payments via app. Had to go through the internet and login and make a vehicle payment. The company needs to fix this issue and make things easier to navigate when making vehicle payments. ### 1/5 — Straight Garbage *2024-12-01, version 4014.2.1* The new website straight garbage. Too many steps to perform an action. Inter-account transfers do not show up or are not usable. It takes multiple clicks on links to get them to work. Total amateur hour. ### 1/5 — Missing A Very Useful Feature *2024-11-19, version 4014.2.1* I was trying to like this new app but one if not the best feature has been removed. The True Balance feature made it so easy to make note of pending transactions after since nobody carries a checkbook and ledger in 2024. Now it’s gone. You all really need to bring this feature back for your members. ### 1/5 — Hate the new update *2024-11-13, version 4014.2.1* The main reason I have kept this bank was because the app allowed you to do planned transactions and then delete them when the money came out. This helped me keep a much more accurate record of my spending. The new update took this away and I am so upset. ### 1/5 — Just leave stuff alone *2024-11-13* The original layout was fine, instead of fixing issues they went and redid the entire thing. All accounts have been merged into one section and made it hard to distinguish one from the other. Before, if you had a joint account it had its own separate section. Now they just mixed them all in together and thrown them in based on checking or savings not by individual accounts. It’s like the people who design their apps have never used a bank. ### 1/5 — November 2024 Update is Terrible *2024-11-12* This app was so much better before the update. Granted FaceID never consistently worked, the app features made up for it. It’s unfortunate the app developers took away the in app transaction log option and the available vs true balance feature. It was nice to have the option of listing all my transactions that didn’t post immediately, so that I did not over spend. All of that has been removed, and it’s an inconvenience to say the least. Everything doesn’t always need to be upgraded, if it means taking away features no one complained about. ### 1/5 — Add Transaction Gone *2024-11-12, version 4014.2.1* They removed the ability to add an upcoming transaction to your account. I am not a fan of the new update! ### 1/5 — Online chat *2024-09-09, version 20.3.13* I contacted the online banking chat to speak with someone.. and Lindsay said she was there to talk to me and help.. she sat on the chat taking her sweet time to each reply she sent back and then right at 6pm when they closed in the middle of helping and the conversation she hung up on me! And didn’t finish helping me with what was needed ### 1/5 — Face ID Glitches *2024-06-24, version 20.3.12* This app is horrible. Face ID constantly glitches. In fact, many things about FCFCU are glitchy and out of date. I miss the old credit union, the merger did not do anything but make it all less convenient. Get newer technology that actually works. The Face ID glitch has been present since day one. Can’t easily view credit card information anymore. ## Most praised reviews (10 highest-rated) ### 5/5 — User friendly *2026-06-22, version 4021.0.2* Great convenience ### 5/5 — Banking Made Easy *2026-06-13, version 4021.0.2* The ease of depositing and the App has saved us a ton of time. ### 5/5 — Easy to Use *2026-01-21, version 4019.1.0* Love the app and how easy and understandable it is for users to access and navigate! ### 5/5 — Live my Cu *2025-11-13* I used to work here and still bank here because I like it so much. Everyone is always very helpful and nice. I usually go to branch on W 86th St and as soon as they see me walk in they’re saying hello and how can we help you. Also very friendly at this branch. Even the manager said hello and goodbye to me from his office! **Developer response:** Thank you so much for sharing this wonderful review. It means a great deal to us that you not only continue to bank with Financial Center, but also speak so highly of your experience. We’re proud to hear that our W 86th St team continues to make you feel welcomed the moment you walk through the door. A simple hello, a friendly conversation, and genuine care are at the heart of who we are. ### 5/5 — Positive Upgrade! *2024-11-21* I love the look and feel of the new app. It’s very user friendly and allows you to do so much more for your financial needs. The feature I love the most is SavvyMoney to link external accounts! Absolutely love being able to manage my cards through the app as well! ### 5/5 — Great Updated Features *2024-11-21, version 4014.2.1* This new app has so many great new features, love the new layout of the Dashboard. A great plus is I am now able to monitor my credit on this app. ### 5/5 — Love it! *2024-11-20* I absolutely love the new features and the ability to customize what it looks like. I enjoy the new bill pay and the ability to pay others. It’s also faster ### 5/5 — Ms *2024-11-20, version 4014.2.1* More features & technology. ### 5/5 — Great app! *2024-11-20* The new update solved all of my headaches, especially with mobile deposit! I can actually transfer to another member of the credit union now without having to call in or go to a branch! I love this new update. ### 5/5 — Great app! *2024-11-20* This new app is awesome so many things to do with it with out needing to call the credit definitely different from what we had but this has way more features than the old one. Thank you financial center for thinking about your members. --- *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 2026-08-21.*