# First New York FCU — user reviews > 72 indexed App Store user reviews of First New York FCU by FNY On-The-Go, rated 4.70/5 from 421 ratings. - Source: https://appshunter.io/ios/app/first-new-york-fcu/id448647305/reviews - App overview in markdown: https://appshunter.io/ios/app/first-new-york-fcu/id448647305.md - Rating breakdown: 5★ 357 · 4★ 41 · 3★ 10 · 2★ 1 · 1★ 12 ## What do users think of First New York FCU? Overall sentiment: mixed **Pros** - 👍 Easy to use - 🚀 Quick and convenient - ✅ Reliable for banking needs - ✨ Uncluttered interface - 💳 Good for checking balances - 🏦 Long-term customer satisfaction - 💡 Mobile deposit functionality - 🌐 Online banking system **Cons** - 🐛 App frequently not loading - ❌ Account locking issues - 📉 Poor performance after updates - 🚫 Zelle feature removed - ⚠️ Inconsistent online banking availability - 🔄 Frequent password resets required - 🪲 Mobile deposit image issues - ⏳ Transactions not updating in real-time - 😵‍💫 Too many pop-up windows - 🔒 Cloud-flare verification bugs - 💸 Interest rate not displayed - 🔒 Locked out of funds sometimes **Commonly reported bugs** - App never loads account information - App always locks account even with correct password - App won't let users make new passwords after locking - Mobile app never works - Online banking is rarely available - New update is a joke - New update removes Zelle - Cannot stay logged in on the same WiFi due to Cloud-flare verification - Cloud-flare verification bugs out on cellular data or reconnecting to network - New app doesn't show how much interest was taken from credit card payment - Too many pop-up windows - Have to slide over to make a deposit - Lacks real-time updates, transactions are days behind - Mobile deposit isn't recognizing the check image since update - App sometimes doesn't work properly and users are locked out of funds - Difficulty taking pictures of checks for deposit, requires multiple attempts - Unable to display information error when viewing balance or transferring money - Non-conforming image error for mobile check deposit **Most requested features** - Add card valet option to put card on hold - Provide information on which CU offer full banking privileges vs ATM only - Add ability to transfer money to other credit unions or banks ## Newest reviews (11 of 72) ### 3/5 — Average rating *2026-06-08* I just downloaded the app. I didn’t download it before because it did not get good ratings/ reviews. The ratings and reviews have improved so I figured it was safer to use now. I will give another review after I have used it for a couple months. ### 3/5 — Fix app *2026-06-04* Can yall fix the app please like I actually like this bank but I can’t see my account it’s never loads and I wanna see how much I got ### 2/5 — App malfunction *2021-12-04, version 2021.6.0.45* Sometime app doesn’t work properly and I am locked out of my funds ### 3/5 — Get card valet option on the app *2021-07-26, version 2021.6.0.45* Can u add the option to put your card on hold through the app? Ex ) miss placed card but don’t want to cancel unless you can’t find it. ### 3/5 — Love it! *2018-11-01* This app is easy to use and has just the right features. Uncluttered interface. I'll try to find fault but I'm not likely to find one. I’m pulling back a bit because of an inconsistency between the app and the online account. When scheduling a payment there is no reflection in either. Schedule a payment on the app, it does not seem to appear on the website and vice-versa. ### 5/5 — Please stop asking for reviews of your app *2018-07-20, version 5.9.1.17* Stop it please ### 5/5 — Best bank (and app) out there *2018-07-19* This App works amazingly fast and has never given me problems, you can do all your banking needs right at your finger tips. I would give it 6 stars if I could ### 5/5 — Window *2018-07-03, version 5.9.1.17* Love this app. It is very user friendly and extremely convenient! ### 5/5 — 😃 *2018-05-01, version 5.8.1.16* Love this app! It works great. I moved but loved the bank so this helps me keep my account and easily deposit, transfer money, And remain updated with my accounts. ### 5/5 — Thought it was good but it isn’t *2018-04-25* NOT FOR COLLEGE STUDENTS. You can only transfer money between your accounts 6 times a month. Then you have to go an transfer money at a physical location (hours away from my school). They don’t tell you this. The app works pretty well. ### 5/5 — Wonderful app *2017-12-21, version 5.6.1.14* I have used the app for several years now and have no problems with it. I think it is wonderful. Thank you. ## Most critical reviews (10 lowest-rated) ### 1/5 — So annoying *2025-10-25* Always locks my account even after using the correct password, causing me to have to make a new one. Then won't let me even make a new one so I have to physically go into a First New York bank to have them reset the password for me ### 1/5 — Might be the worst app in the App Store *2025-09-26* If I were to say this app works 50% of the time, that would be generous. It has gotten to a point to where I am debating on getting a new bank. Mobile app never works, online banking is rarely available. Not sure what is going on with the devs, but it is wild how often online banking is unavailable. Incredibly frustrating. ### 1/5 — Dreadful *2025-05-01* Miss the old app, the new one is awful. The only benefit is that you can see balances at a glance. ### 1/5 — Really bad *2025-04-10* Worse bank app The first one was just fine The new update is a joke ### 1/5 — No Zelle = No me *2025-03-01, version 4015.2.3* New update removes Zelle. No go for me… ### 1/5 — Went from alright to genuinely horrendous *2025-02-14* Before the recent update, it was honestly fine. Yeah the ui was a bit outdated but almost all the time it worked and did what it needed to do for a mobile banking app but now, I can’t even stay logged in on the same wifi, with location and all being on because of this cloud-flare verification which bugs out 99% of the time if your on cellular data or reconnecting to a network needing to restart the entire app even when you click the box to verify. Genuinely wants me to switch banks after they up-charged me on interest on my credit card because they merged my local bank into theirs. I would rather have an app that looks ugly, but does the job and don’t need to login every time I wanna pay off my statement on my card. Genuinely, find some actual developers you can count on, most indie game developers can do better on a mobile app design and functionality. Get a grip on your app, instead of putting money into your fancy building design for your bank, put money into the app design and functionality. Functionality over design. ### 1/5 — Too many inconsistencies *2023-07-25, version 2023.3.0.3* Too many pop-up windows, have to slide over to make a deposit, which is the only reason I use the online, very poorly designed, should be rethought out! ### 1/5 — I think it's the update *2015-05-05, version 4.1.1.0* Ever since the update for IOS 8 it's very difficult to take pics of checks for deposit. I have to take like 10 pics to get it right. Easier just to drop in night box. Please fix it. It's just getting worse and worse. So frustrating to use. Just going to delete. ### 2/5 — Lacks real time updates. Days behind transactions *2023-04-04, version 2022.9.1.11* Cannot depend on balance because it’s days behind. Has cost me money. ### 2/5 — Please fix imaging issues *2022-04-01, version 2021.11.0.46* Since update mobile deposit isn’t recognizing the check image. ## Most praised reviews (10 highest-rated) ### 5/5 — ,Fifty Plus *2026-06-09* I have been a satisfied customer of FNYFCU for 50+ years! ### 5/5 — Excellent *2026-03-24* Secure - works well. ### 5/5 — Interest rate? *2025-02-11* The new app doesn’t show how much interest was taken from my credit card payment. I’d like to know how much interest was taken. ### 5/5 — Online banking *2025-01-22* I absolutely love the online banking system. I can make transfers and check my account regularly. Please keep up the great work and services. ### 5/5 — Excellent banking app *2022-12-28, version 2022.9.1.11* I do most of my banking from the app. It is also an efficient tool to monitor my banking accounts. It is a great time saver. ### 5/5 — Life is easier *2020-04-16, version 6.2.31* Quick, easy, and reliable. I love the app. ### 5/5 — Love it! *2019-12-12, version 6.1.2.27* The app is very easy to use and convenient love it! ### 5/5 — Branches. *2019-08-15, version 6.0.1.24* I love them ! Albany and Saratoga are the best. ### 5/5 — Saratoga Branch *2019-01-19* First New York has been my financial institution for over 20 years. I cant say enough positive about the over the top friendly staff and customer service I receive from my friends at the Saratoga branch. Thank you. They are always so willing to help with any matter big or small. ### 5/5 — Review *2018-09-06, version 5.9.1.17* I love to have the app because when I need to see how much money I have I can just go in the app and if I need to transfer money I can just do transfer through the app it’s awesome --- *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 2026-09-01.*