Great user set up
Super easy to use and very simple
Great Bank
Great Company and good interest rate.
Easy for me
The app makes it really easy to make extra payments from my other accounts and designate what it goes too. Loving it!
Terrible Online Banking App
The app isn’t very comprehensive. It’s like going from Windows back to DOS. Very archaic and clunky and provides zero useful I nformation. They should take a look at Rocket Mortgage’s app. It’s stellar.
Monthly Payments
I was told biweekly payments aren’t suggested. They shouldn’t be offered then. I’m showing past due because the payments don’t get credited correctly.
Lag Time
The app has a lag time that makes the user unsure if the selection has been initiated.
Awful Online Banking
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.
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.
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App has way too many bugs
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.
Recurring Payments
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.
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Convenient
Easy way to pay the payments!
Transfer Terminology
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.
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Suggested improvements
- 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.
- Change transaction description line to allow [space] between words and more than just letters and numbers; Example allow a dash, comma, brackets, ect.
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Not Super Intuitive
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.
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