# FNCU Mobile — user reviews > 25 indexed App Store user reviews of FNCU Mobile by First Northern Credit Union, rated 4.80/5 from 1,163 ratings. - Source: https://appshunter.io/ios/app/fncu-mobile/id1437309708/reviews - App overview in markdown: https://appshunter.io/ios/app/fncu-mobile/id1437309708.md - Rating breakdown: 5★ 1,020 · 4★ 79 · 3★ 26 · 2★ 13 · 1★ 25 ## What do users think of FNCU Mobile? Overall sentiment: negative **Pros** - 👍 Easy to use - 👍 Convenient banking services - 👍 Helpful staff **Cons** - 🐛 Buggy app with frequent crashes - 🔍 Limited functionality compared to other banking apps - 🔍 Outdated and rarely updated - 🔍 Frustrating navigation and user experience - 🐛 Face ID/login issues **Commonly reported bugs** - Incorrect account balance updates - Frequent app timeouts and login issues - Mobile deposit functionality not working properly **Most requested features** - Improved app navigation and user experience - Integration with popular payment apps (Venmo, Zelle) - Increased mobile deposit limits - Better account management and transaction visibility ## Newest reviews (5 of 25) ### 3/5 — Difficulty with app navigation *2025-07-12, version 9.15.3* Hello, Thanks for the opportunity to hear my thoughts. I love FNCU, but hate the way that the app and its functionality is so limited and generic. When I go to look at documents/statements using the hamburger menu and open monthly notices, I can’t get back to my accounts page. My current work around to accomplish this is to log out of the app, then log back in. Please look through the app as a user and you too will discover many other tasks equally frustrating. The app has improved very little over time, and a huge improvement was labeling the numerical accounts with the actual account name…ie (savings, checking, visa credit card, equity loan, etc.). There is much more that can be improved to make it more user friendly and easier to navigate. Thank You! Best regards, Kris Youngberg ### 2/5 — Archaic and rarely updated *2023-09-17, version 9.7.4* This app is straight out of 2007, and FNCU seems to have zero interest in updating it (as I write this review, the last time the app was updated was 9 months ago). Credit card access is poorly integrated - if I click my balance, I get no information unless I find a side menu then find my card. The app also gives incredibly generic feedback when there are errors. For example, mobile deposit says "an error occurred, contact your institution." It's almost like FNCU would prefer you to stop using its mobile app and go right back to 2007 and do all of your banking in person. ### 2/5 — Face ID breaks constantly, rough functionality *2022-10-29, version 8.0.2* Every single time I open this app, I'm required to re-enable Face ID. What's the point of even having Face ID functionality if I have to enter my password every time I use the app to re-enable Face ID? This has been an issue with the app for months and FNCU does nothing to address it. The app itself is also very rough. Want to view your credit card detail? Clicking on credit card in the main menu doesn't work. You instead need to use the side menu. This app feels like a bad banking app from about ten years ago, and it really needs work. ### 2/5 — Irritating despite the improvements *2019-09-26, version 8.0.0* Better than it used to be, but still needs some serious updating. I track my budget very closely and sometimes the seconds it takes to close this app, open my budget app, and enter an amount has me completely logged out of this app. Sometimes I log in and receive an error that the app has "timed out" before it ever even loads properly. It is frustrating beyond belief when I'm trying to go between this app, my budget app, and my credit card app and I have to RE-LOGIN EVERY 15 SECONDS. I'm seriously debating leaving First Northern for a financial institution that makes online banking simpler, even after 10+ years of loyalty and several life changes, because their online banking continues to be needlessly complicated and obtuse. ### 1/5 — Too buggy / poor design *2018-10-16, version 8.0.0* Very often when I try to log on, I get an error message that states “Unsupported URL”. The layout of the app itself isn’t intuitive. And now I can’t even use the web interface on my mobile to access account information. Good credit union but terrible app ## Most critical reviews (10 lowest-rated) ### 1/5 — Not worth the trouble! *2024-11-18, version 9.15.2* Mobile deposits are way too hard on this app! ### 1/5 — Functionality not up to par as other bank apps *2024-05-29, version 9.12.4* There’s very limited things to do with this app. It doesn’t even have a Venmo/Zelle option. Their cards don’t support the tap and go function. It’s too basic for this day in age. Get with the 21st century. ### 1/5 — Functionality not up to par as other bank apps *2023-12-10* There’s very limited things to do with this app. It doesn’t even have a Venmo/Zelle option. It’s too basic for this day in age. ### 1/5 — Broken app *2021-10-03, version 8.0.2* This app is terrible and I’m looking for a new credit union / bank because of it. The “current balance” for my credit card is very out of date - it only seems to update when I transfer money to the credit card. The ezcard info section of the app logs me out sporadically with no ability to log back in. Also, the button to pay off the credit card disappeared one day and tech support told me that there never was such a button. It reappeared the next day. ### 1/5 — Not updating *2021-01-03, version 8.0.0* Hasn’t updated the correct amount of money in my account since 12/31/20. It is now 1/3/21. ### 1/5 — Terrible accounting *2019-08-15, version 8.0.0* Deposits should be put in before withdrawal happen on a given day. We always have a check on the 15th and 30th every month. And we have automatic transfers setup. However, you perform overdraws if there is not enough in the account before the check clears on the same day. ### 1/5 — Fee for account balance *2019-05-23, version 8.0.0* I have never heard of having to pay for someone to tell you the balance in your account. FNCU you tried it! Not only am I closing my account, but I will let the social media world know about your ridiculous ways of keeping live agents employed by assessing fees for something so silly. ### 1/5 — URL not supported *2019-01-24, version 8.0.0* Cannot open app ### 1/5 — Horrible, vertical position only, slow! *2018-11-15, version 8.0.0* This is one of the worst apps I’ve ever used, and I use plenty! I think the worst feature is the vertical position ONLY design which only fills the middle portion of the screen... the enlargement arrows do NOT work. There is no easy transition from one screen to another. FIX THIS! TIA! ### 1/5 — No horizontal, only vertical. *2018-10-19, version 8.0.0* The app is in vertical position only. The only way to get it to go horizontal is if I type it into my browser like I use to do when had to log in before app. ## Most praised reviews (10 highest-rated) ### 5/5 — Easy to use *2024-09-06, version 9.12.4* App has been user friendly for the most part so If I can use it, then most people can ### 5/5 — Thank y’all for your help *2024-06-07, version 9.12.4* Your Rockford office has been very helpful ### 5/5 — Best banking Services *2024-05-07, version 9.12.4* Love the ease of working between my accounts ### 5/5 — Unreliable *2022-01-03, version 8.0.2* Sometimes works and sometimes it doesn’t. It’s frustrating especially when I’m traveling out of State. ### 5/5 — Thank you for a great app! *2019-07-18, version 8.0.0* LOVE this app and this credit union. ### 5/5 — First northern credit union *2018-12-17, version 8.0.0* Love it. Very convenient and easy to use. ### 5/5 — Mobile Deposit *2018-11-03, version 8.0.0* Awful! Cannot deposit more than $1000 through mobile banking. ### 5/5 — Good substitution *2018-10-07, version 8.0.0* This app is great! So much better then their old online banking. ### 4/5 — Good App *2021-07-19, version 8.0.2* I really like the funds transfer and the ability of to see my transactions on my checking account. I would like to be able to see the transactions of my credit card. ### 4/5 — Mobile deposit and alerts don’t work *2019-03-11, version 8.0.0* An upgrade is needed as I can’t even deposit checks because the app won’t take pictures of the check. In addition I set up alerts and those don’t come through. To make matters worse I have my bank account connected to EveryDollar and because of the security setup I keep having to reauthorize the account. Too much work but what can you do??? --- *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 2026-08-28.*