# Niagara's Choice FCU — user reviews > 16 indexed App Store user reviews of Niagara's Choice FCU by Niagara's Choice Federal Credit Union, rated 4.80/5 from 1,181 ratings. - Source: https://appshunter.io/ios/app/niagaras-choice-fcu/id1079612475/reviews - App overview in markdown: https://appshunter.io/ios/app/niagaras-choice-fcu/id1079612475.md - Rating breakdown: 5★ 1,050 · 4★ 89 · 3★ 25 · 2★ 6 · 1★ 11 ## 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 ## Most critical reviews (10 lowest-rated) ### 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 ### 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. ### 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. ### 1/5 — Trash *2025-08-04* This update makes the app more difficult to use and more confusing. Things were simple before and now you have to jump through hoops to set up your account all over again. Waste of time and money. ### 1/5 — Won't let me sign in *2025-08-03* I've been at this bank for a few weeks now, the first few weeks were fine but around the third week it said the app had to be updated for me to sign in. I tried updating and deleting and redownloading the app but nothing seems to work. This is a massive frustration to be as I like to keep track of my money and a glitch like this can be potentially dangerous as it makes it easy to overdraw your account. If this continues to be a problem I will consider switching banks. ### 1/5 — Takes days to get back into app after updates *2018-09-13* Anytime you switch phones, or update this app, it takes days to get back into it, when you have problems logging into it, When you work outside the hours of banking hours, because your forced to go into the bank for the actual reset for any help. I just did the update (9/12/2018) for iPhone X, and I can’t log into the app, went to reset password, forced into another window, then then get email for temp password, enter it, only to be told it’s incorrect, didn’t even have the option to use my Face ID that was already registered before they did the update. And I’m still having issues hours after updating, and I know I have to wait days to go into the bank to show the issue with the app again, from the log in errors I took screen shots of..... 😖 ### 1/5 — The other *2017-10-28* I love the other version. This new update Making me confused as hell. I hate it. ## Most praised reviews (6 highest-rated) ### 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 ### 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. ### 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 ### 5/5 — No Bill Pay *2021-11-11* What is the point of the app if you can’t use it to pay your bills? Removing that service from the app and putting it exclusively on the website was poor planning. ### 2/5 — no mobile check deposit or Apple Pay support *2019-03-03* This credit union is so far behind technologically that it is really no longer a practical choice for a financial institution in 2019. --- *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 2026-09-06.*