# Rural 1st — user reviews

> 8 indexed App Store user reviews of Rural 1st by Farm Credit Mid-America, rated 4.70/5 from 1,036 ratings.

- Source: https://appshunter.io/ios/app/rural-1st/id1521676327/reviews
- App overview in markdown: https://appshunter.io/ios/app/rural-1st/id1521676327.md
- Rating breakdown: 5★ 868 · 4★ 76 · 3★ 34 · 2★ 22 · 1★ 36

## Most critical reviews (8 lowest-rated)

### 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.

### 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 — 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.

### 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 — 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.

### 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.

### 5/5 — Convenient

*2025-02-28, version 23.1.1*

Easy way to pay the payments!

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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.*