# Niagara's Choice FCU

> Mobile banking app for managing accounts, payments, and transfers. (iPhone/iPad app by Niagara's Choice Federal Credit Union.)

- Source: https://appshunter.io/ios/app/niagaras-choice-fcu/id1079612475 (this page in markdown: same URL + `.md`)
- Developer: [Niagara's Choice Federal Credit Union](https://appshunter.io/developer/1300297187)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 1,181 App Store ratings · 16 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 125 MB
- Languages: American English
- Released: 2016-03-03
- Data updated: 2026-09-14
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/niagaras-choice-fcu/id1079612475/reviews.md

## What is Niagara's Choice FCU?

Bank where you belong, from anywhere! Check your account balances, pay your bills, make transfers, find a local ATM, and much more.

## Key features

- Check account balances
- Pay bills
- Make transfers
- Find ATMs
- Manage finances

## What do users think of Niagara's Choice FCU?

Overall sentiment: negative

**Pros**

- 😊 Friendly and helpful staff
- 👍 Familiar faces at the branch
- 🌟 Long-standing family tradition
- ✨ New online banking look
- 💡 Nice new features added

**Cons**

- 😠 App constantly getting worse
- 😠 App harder to use
- 😠 Support is terrible
- 😠 Latest update made it worse
- 😠 Less detailed checking account display
- 😠 Online deposits not shown until cleared
- 😠 Useless login
- 😠 Constantly logging out
- 😠 Cannot use previously used password
- 😠 Extremely frustrating login
- 😠 Huge waste of time
- 😠 Transfers take too long
- 😠 Confusing balance display
- 😠 Account keeps going negative
- 😠 Useless app after changes
- 😠 Incredibly difficult to use
- 😠 No longer shows available balance
- 😠 Guessing account balance
- 😠 Entire SSN required
- 😠 Refuse to submit SSN online
- 😠 Won't be using the app
- 😠 App difficult and confusing after update
- 😠 Have to jump through hoops
- 😠 Won't let me sign in
- 😠 Glitch is frustrating
- 😠 Potential to overdraw
- 😠 Considering switching banks
- 😠 No bill pay in app
- 😠 Poor planning for bill pay
- 😠 No mobile check deposit
- 😠 No Apple Pay support
- 😠 Technologically behind
- 😠 Not a practical choice
- 😠 Takes days to get back into app after updates
- 😠 Cannot log in after update
- 😠 Forced into another window for reset
- 😠 Temp password incorrect
- 😠 No Face ID option after update
- 😠 Still having issues hours later
- 😠 Confused by new update
- 😠 Hate the new update

**Commonly reported bugs**

- App constantly logging out
- Login issues after updates
- Cannot reset password
- App requires update to sign in, but update fails
- App glitch makes it hard to track money
- Login errors after app update

**Most requested features**

- Add mobile check deposit
- Add Apple Pay support
- Restore bill pay to the app
- Improve login process
- Allow use of Face ID after updates
- Make balance display clearer
- Show online deposits before cleared

## Recent user reviews (10 of 16)

All indexed reviews: https://appshunter.io/ios/app/niagaras-choice-fcu/id1079612475/reviews.md

### 1/5 — Garbage

*2026-07-15*

They continue to make this app worse and harder to use for no good reason. Support is terrible and it seems like the only thing they want to do is piss people off.

### 1/5 — Update

*2026-01-18*

The latest update they changed everything in the app and it’s worse than it used to be. The way checking account is now displayed is less detailed and you no longer show your online deposits under your checking account until it’s cleared which I hate cuz it makes me feel like it wasn’t submitted right

### 5/5 — Exceptional place to bank!

*2026-01-04*

Great financial institution. I tend to use the sawyer Dr location. When I walk in it’s always familiar faces , they know my name feels a little old-school you wouldn’t get this treatment at a typical bank

### 1/5 — Useless Log In

*2025-12-17*

This app is constantly logging me out without the use of biometric/ face id. Every time I try to change the password it says you cannot use a previously used password. Extremely frustrating. Huge waste of my time.

### 5/5 — Family history

*2025-10-31*

My family has been members of the credit union for generations; ever since my grandparents’ time. Though they’ve long since passed, our connection has continued as a family tradition. My father worked at Occidental Chemical and banked with the credit union, and my mother still does. My wife and kids are members as well. The very first check I ever cashed was at Niagara’s Choice Credit Union. I’ve been a longtime member and have always received excellent service—thank you.

### 1/5 — Garbage

*2025-10-22*

Ever since they made changes to this app it has been extremely difficult and annoying. Now transfer takes 2 minutes instead of 2 seconds. They also make it so confusing to know your balance and keep putting the account negative. Do not use. Deserves 0 stars for being complete garbage.

### 1/5 — Useless

*2025-09-18*

This app is so pointless since they changed everything. It is incredibly difficult to use for no good reason, like they want you to stop banking with them. Why on earth would you change it from showing the available balance to not being displayed. It is pointless to even use this, you might as well guess what is in your account.

### 1/5 — Entire Social Security Number Required

*2025-08-29*

I’ve been using this app for years and liked it. Now that they have changed to a new format your entire SSN is required in order to use the app.  
I refuse to submit my entire number for anything on line.  I won’t be using this app.

### 5/5 — Friendly Staff

*2025-08-06*

A wonderful and friendly group of people who are always willing to help with a smile. Melissa and Kim are extremely supportive and helpful. 

Lisa

### 5/5 — Love the New Look

*2025-08-04*

The new online banking system looks great and has some nice new features added for us members

## Frequently asked questions about Niagara's Choice FCU

### What can I do with this banking app?

This app allows you to check your account balances, pay your bills, and make transfers between accounts. You can also find a local ATM for cash withdrawals or other banking needs.

### Is this app free to use?

Yes, the application is free to download and use. There are no in-app purchases or advertisements mentioned.

### Who is this app designed for?

This app is designed for members of Niagara's Choice FCU who want to bank conveniently from their mobile devices. It provides access to essential banking features on the go.

### Can I transfer money to other people?

The description mentions making transfers, which typically refers to transfers between your own accounts. For transfers to other individuals, you would need to check the app's specific functionalities or contact Niagara's Choice FCU directly.

## Version history (last 5 releases)

### 4022.1.1 — 2026-08-18

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

### 4022.0.0 — 2026-07-23

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

### 4021.2.0 — 2026-06-25

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

### 4021.1.3 — 2026-06-09

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

### 4021.0.2 — 2026-05-04

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

## Apps similar to Niagara's Choice FCU

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Encompass Niagara FCU](https://appshunter.io/ios/app/encompass-niagara-fcu/id1062390095) | — | Free | Finance |
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## Related topics

[niagara choice](https://appshunter.io/ios/topics/niagara-choice) · [ncfcu](https://appshunter.io/ios/topics/ncfcu) · [niagara regional federal credit union](https://appshunter.io/ios/topics/niagara-regional-federal-credit-union) · [firstontario](https://appshunter.io/ios/topics/firstontario) · [niagara](https://appshunter.io/ios/topics/niagara)

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*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 2026-09-14.*