# Michigan First App — user reviews > 329 indexed App Store user reviews of Michigan First App by Michigan First Credit Union, rated 4.80/5 from 25,834 ratings. - Source: https://appshunter.io/ios/app/michigan-first-app/id397680629/reviews - App overview in markdown: https://appshunter.io/ios/app/michigan-first-app/id397680629.md - Rating breakdown: 5★ 21,507 · 4★ 3,726 · 3★ 418 · 2★ 90 · 1★ 93 ## What do users think of Michigan First App? Overall sentiment: positive **Pros** - 🚀 Convenient mobile banking - 👍 User-friendly app - 💳 Helpful for managing finances - 🏦 Positive experience with credit union - 💰 Seamless money transfers **Cons** - 🐛 Glitches and bugs - 🔒 Security concerns - 💳 Issues with debit/credit card management - 💰 Overdraft fees and holds on funds - 🔍 Limited functionality compared to website **Commonly reported bugs** - App crashes and fails to load - Inconsistent syncing of transactions - Issues with auto-pay and recurring payments - Problems with mobile deposit and fund holds **Most requested features** - Improved mobile check deposit process - Ability to manage multiple accounts easily - Enhanced budgeting and money management tools - Faster processing of transactions and payments - Integration with digital wallets (e.g., Apple Pay) ## Newest reviews (20 of 329) ### 4/5 — Michigan First *2026-07-31, version 6.0.2* Great app very reliable and consistent ### 4/5 — Easy to use *2026-07-25, version 6.0.2* Very easy to use ### 4/5 — Great mobil App *2026-07-11, version 5.40.3* Very easy to use ### 5/5 — Operating *2026-07-09, version 5.40.3* This app was very helpful in different situations that I had to do ### 5/5 — Easy to use *2026-07-05, version 5.40.3* I’m a Senior and I love the ease and Security of this app ### 5/5 — Easy & Convenient *2026-07-03, version 5.40.3* I really enjoy the Michigan First Credit Union App. I have been using it for years now and I’ve found it to be the easiest banking app to navigate. It saves me so much time not having to go to the branch hardly ever. I give it two thumbs up for convenience!!😊 ### 5/5 — Manage Acct *2026-07-02, version 5.40.3* I enjoy having the ability to review my account when it’s convenient for me. ### 5/5 — Simple banking *2026-06-23, version 5.40.3* Easy to use and convenient to avoid unnecessary trips to bank to the bank ### 5/5 — Love this App *2026-06-13, version 5.40.3* Love using app! Now if my phone only gave out cash! Great Service! Thanks so much! ### 5/5 — Great App! *2026-06-08, version 5.40.3* Easy to use and very convenient. ### 5/5 — 1saun *2026-06-07, version 5.40.3* Very easy to use, all my transfers and withdrawals are made really quick and simple 😍 ### 4/5 — Just suggestion *2026-06-06, version 5.40.3* I love the account. I wish it did instant transfer for emergency reasons ### 5/5 — Loyal member *2026-06-06, version 5.40.3* Easy to maneuver for what I need to do. ### 5/5 — Very convenient *2026-06-06, version 5.40.3* I love Michigan First and everything about this credit union. ### 5/5 — Great and Easy *2026-06-05, version 5.40.3* 5 Stars from me ### 5/5 — Very Reliable *2026-06-02, version 5.40.3* I’ve been using this app since 2017. It has been very helpful in making transactions and paying bills. It’s very easy to use too. I love the online checking deposit option too. ### 5/5 — Owner *2026-06-02, version 5.40.3* Love this app it is so convenient ### 5/5 — Easy access *2026-05-31, version 5.40.3* Able to access what I need easily able to deposit checks no issues ### 5/5 — Functions within my account *2026-05-31, version 5.40.3* Love to be able to work within my account without leaving the house. ### 5/5 — Life saver *2026-05-30, version 5.40.3* This app just came thru and payed rent I was worried about ## Most critical reviews (10 lowest-rated) ### 1/5 — MICHIGAN First App. *2025-12-17, version 5.39.1* Love it and the use of it is easy to use in this not so easy tech world we are in. ### 1/5 — Horrible *2025-09-17, version 5.38.1* This is a horrible credit union to be apart of. They claim that they’re willing to help you even if your credit is not perfect, come to find out that’s a lie. I’ve been a member for over 20 years and when I’ve reached out for assistance I was turned down. This is a horrible credit union and I do not recommend them. I will be closing my account very soon. ### 1/5 — App support displayed page not found *2025-03-04, version 5.35.0* How can I skip the latest release requiring Face ID? ### 1/5 — Not secure *2024-10-07* I was a very satisfied customer, until a scammer withdrew all of my money using the cordless arm feature of the app. When I found out this was how the scammer was able to get all of my money out in cash, I asked if this was a feature that could be disabled. The credit union said no. I pointed out to to them that if it hadn’t been for this feature the best the scammer could have done is a wire transfer, which takes days to clear and I caught the scam within an hour. The transfer would have been contested and stopped. Since they had access to the atm without my debit card or my pin, they were able to completely empty all of my checking and savings. I asked if I could at least file a formal complaint about this feature, and they transferred me to a manager who was dismissive of my frustration. ### 1/5 — Does not load now *2023-06-03* Worked fine until the latest version. Now the app will not open—just crashes and shuts down. Seems like this should have been caught it testing. ### 1/5 — If It’s Not Broke, Don’t Fix It *2022-05-18* This app was extremely convenient. I enjoyed the face/ recognition for easier sign in for my multiple accounts… now you guys have just made it extremely inconvenient to log in to multiple accounts from the same device. What was the reason? The mobile app has a toggle that advises you not to turn it on if you have multiple accounts; but now that button is pointless- you’ve added unnecessary steps… and it isn’t for “security” because there isn’t an extra authentication process. Why change it? Takes an extra minute to switch from accounts when it used to take 10 seconds. I never write reviews but I’m highly annoyed by this unnecessary update. What happened to convenience? I could see if this inconvenience added extra security but it doesn’t.. in situations like being in line to pay for groceries and having to turn my card back on (for security purposes) has become a real hassle. Almost makes me wish I didn’t have so many accounts with Michigan First. ### 1/5 — Disappointed *2021-12-07* I’ve been with this branch for almost 20 years, always had my direct deposit come here. I’ve had loans and paid them off. But during this pandemic over the last 2/3 years they have not been helping me at all. Can’t refinance a loan, and now I have a loan somewhere else they won’t release the funds into my account. They charge you $20 every time you don’t use their network of ATM seems like extortion to me. I have to drive to 2/3 miles just to avoid losing $20 if I want to use ATM. I’ll be finding another banking home to take my service to because when I needed them the most they chose not help. ### 2/5 — Number One In My Book *2025-06-17, version 5.36.0* I've been with MFCU for years and I'm just realizing that I need this in my life. I'm growing everyday. MFCU is my wealthy financial family💕 ### 2/5 — Overdraft fees, and unexplained holds on funds *2022-12-06* Although they have the money now addition, it would still be extremely helpful if you were allowed 24 hours to deposit funds due to an overdraft. The banks offer this option, and it’s extremely helpful in avoiding nsf fees. In addition, I’ve deposited funds that have cleared the account the funds we’re scheduled to be withdrawn from within 48 hours. However, the funds are still held with explanation for an additional 8 days without any explanation from Upper Management why the funds were still in hold after producing evidence of the funds deducted from the account funds were received from. ### 2/5 — Disappointing *2022-04-26* The app is mostly fine, I appreciate being able to mobile deposit checks and transfer to other bank members. A glaring error makes the experience a disappointing one though. I have reported on multiple occasions to the customer service team that the app does not sync all transactions and that can be very misleading and cause distress for end users. I have a credit card with Michigan first as well as my regular accounts and when I make a payment to the credit card from my checking account there have been more than a few instances where my payment appears withdrawn from checking but never appears on the credit card as paid. I can view the full transaction if I go online but this is extremely inconvenient and scares me that my card balance is off or that my money has disappeared from my checking without being applied to the card. It negates the redeeming qualities of the app if it can’t preform a basic function of displaying transactions appropriately. I wouldn’t give a negative review if I hadn’t already reported this issue multiple times. ## Most praised reviews (10 highest-rated) ### 5/5 — Mi first app *2026-07-28, version 6.0.2* App is very user friendly. ### 5/5 — Quick & Easy *2026-07-23, version 6.0.2* This app helps me take a snapshot of my accounts and easily manage my funds. Simple to use and faster than a visit. ### 5/5 — Exceptional! *2026-07-22, version 6.0.2* Easy to use, reduces stress and makes monitoring and managing my money a pleasant task! ### 5/5 — Real Convenient *2026-07-22, version 6.0.2* The fact that you can do everything from the app makes it so handy. ### 5/5 — Easy peasy *2026-07-20, version 6.0.0* App is very user friendly and clean. I do wish you could use more features in the notes section but it still works well for my needs. ### 5/5 — Great App *2026-07-18, version 6.0.0* Very streamlined and quick to get to desired area of the bank acct. best banking app I’ve used. ### 5/5 — App review *2026-07-17, version 6.0.0* The Michigan First app is so incredibly convenient and I love the security measures ### 5/5 — Love this app *2026-07-17, version 6.0.0* Very reliable ### 5/5 — Easy to use! *2026-07-15, version 5.40.3* The Michigan First app is easy to use and allows me to do anything I need for banking! ### 5/5 — This came first *2026-07-10, version 5.40.3* I’ve been a great app to use --- *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 2026-08-27.*