# Rural 1st

> Online banking app for managing finances across devices with accounting software integration. (iPhone/iPad app by Farm Credit Mid-America.)

- Source: https://appshunter.io/ios/app/rural-1st/id1521676327 (this page in markdown: same URL + `.md`)
- Developer: [Farm Credit Mid-America](https://appshunter.io/developer/1480903515)
- Category: Finance
- Price: Free
- Rating: 4.70/5 from 1,036 App Store ratings · 8 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 55 MB
- Languages: American English
- Released: 2020-09-01
- Data updated: 2026-09-07
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/rural-1st/id1521676327/reviews.md

## What is Rural 1st?

The new Rural 1st online banking app is designed to give you the tools and features you need to manage your finances easily, intuitively and comprehensively. With it, you can:

•	Access your account across all your devices -- desktop, mobile and tablet.
•	Integrate your finances with popular accounting platforms like Quicken and Quickbooks.
•	Enjoy the safety & security you’d expect from Rural 1st.
Our online banking app is optimized for iPhone devices, and available 24/7 using your existing online banking username and password.

To use online banking, you must first provide your mobile phone number via our online banking application. During the app activation process, a PIN will be sent to the phone number via SMS text message. Wireless carrier data usage rates may apply.

## Key features

- Cross-device account access
- Accounting platform integration
- Secure financial management
- 24/7 availability
- Existing username/password login

## Recent user reviews (8 of 8)

All indexed reviews: https://appshunter.io/ios/app/rural-1st/id1521676327/reviews.md

### 3/5 — Lag Time

*2026-08-16, version 25.1.11*

The app has a lag time that makes the user unsure if the selection has been initiated.

### 1/5 — Awful Online Banking

*2026-08-05, version 25.1.11*

The online banking and scheduling payments are so antiquated and so is the entire site.

You also can’t schedule a payment or talk to anyone on the weekends.

We’ve had numerous complaints in the past with double payments and having a difficult time changing our address. It’s ridiculous that a husband and wife have two logins and both have to change their address. You seriously need to update your website and payment options. 

We are shut out one the weekend and couldn’t speak to anyone or make a payment! 

I wish we never got our loan at your bank.

### 2/5 — App has way too many bugs

*2026-06-03, version 25.1.11*

Half the icons don’t load or take a long time to load. I’ve been trying to set up autopay and it won’t work for this reason. I have missed two payments now but fortunately it did not hit my credit. Still didn’t save me from the late fees.

### 2/5 — Recurring Payments

*2026-05-02, version 25.1.11*

We love Rural 1st, they have all been so friendly and helpful. The app is where I have an issue. It will not allow me to click on recurring payments or change the payment amount. I always try to pay a little extra on my loans. I have to set a reminder for every payment right before it’s due. So frustrating.

### 5/5 — Convenient

*2025-02-28, version 23.1.1*

Easy way to pay the payments!

### 1/5 — Transfer Terminology

*2024-11-25, version 23.1.1*

The term "transfer" being used to mean "payment" is confusing to the average person who is not an accountant.  A transfer to most people is a movement from one cash or asset account to another cash or asset account - a credit to a positive account, not a credit toward a debt. The word "payment" is much more clear when referring to the act of making a payment.

### 2/5 — Suggested improvements

*2024-08-15, version 23.1.1*

- Add a drop menu for different payment options, like for “principle only” payments (for mortgage loans or loans in general). Farm credit application had this before recent switch to Rural first system. 
- Change transaction description line to allow [space] between words and more than just letters and numbers; Example allow a dash, comma, brackets, ect.

### 3/5 — Not Super Intuitive

*2020-12-03, version 19.3.1*

I have called the Rural 1st reps twice and gained no help whatsoever. The last rep said I was supposed to be seeing something I didn’t see and suggested I go to a computer as I was on my IPhone. Finally downloaded this app and was able to sort it out. It’s not clear or highlighted what you have to do next, but by “feeling” my way through, I’ve been able to work it out.

## Frequently asked questions about Rural 1st

### What does the Rural 1st app do?

The Rural 1st app is an online banking application designed to help you manage your finances easily and comprehensively across all your devices. It provides secure access to your accounts and integrates with popular accounting platforms.

### What are the key features of this banking app?

Key features include accessing your account from desktop, mobile, and tablet devices, integrating your finances with accounting platforms like Quicken and Quickbooks, and enjoying the safety and security expected from Rural 1st. It is available 24/7.

### Is this app free to use?

The app itself is free to download and use. However, wireless carrier data usage rates may apply when accessing the app. There are no explicit mentions of in-app purchases or subscription fees in the provided description.

### What devices is the Rural 1st app compatible with?

The app is optimized for iPhone devices and can be accessed across desktop, mobile, and tablet devices. This ensures you can manage your finances from wherever you are.

### How do I activate and use the app?

To use the app, you must first provide your mobile phone number via the online banking application. During activation, a PIN will be sent to your phone via SMS text message. You will then use your existing online banking username and password to log in.

## Version history (last 5 releases)

### 25.1.12 — 2026-08-24

minor bug fixes and enhancements

### 25.1.11 — 2026-02-18

Minor bug fixes and enhancements.

### 23.1.1 — 2024-05-20

Minor bug fixes and enhancements.

### 23.1.0 — 2024-01-20

This update includes bug fixes and minor enhancements

### 20.2.1 — 2023-06-17

•	Updated look and feel
•	Mobile deposit history now available on Desktop
•	Restart stopped phone numbers
•	Bug fixes

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| --- | --- | --- | --- |
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| [First Financial Mobile Banking](https://appshunter.io/ios/app/first-financial-mobile-banking/id473750702) | 4.9 (7,422) | Free | Finance |
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## More apps by Farm Credit Mid-America

- [Rural 1st ® Summit](https://appshunter.io/ios/app/rural-1st-summit/id1480903516)
- [Farm Credit Mid-America](https://appshunter.io/ios/app/farm-credit-mid-america/id1521284985)
- [Farm Credit Mid-America Events](https://appshunter.io/ios/app/farm-credit-mid-america-events/id6473451573)

All apps by Farm Credit Mid-America: https://appshunter.io/developer/1480903515

## Related topics

[rural 1st](https://appshunter.io/ios/topics/rural-1st) · [rural first](https://appshunter.io/ios/topics/rural-first) · [rural mutual](https://appshunter.io/ios/topics/rural-mutual) · [rural bank](https://appshunter.io/ios/topics/rural-bank) · [lucro rural](https://appshunter.io/ios/topics/lucro-rural)

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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 2026-09-07.*