# USALLIANCE FCU — user reviews > 90 indexed App Store user reviews of USALLIANCE FCU by USAlliance Federal Credit Union, rated 4.87/5 from 4,335 ratings. - Source: https://appshunter.io/ios/app/usalliance-fcu/id904369677/reviews - App overview in markdown: https://appshunter.io/ios/app/usalliance-fcu/id904369677.md - Rating breakdown: 5★ 3,553 · 4★ 244 · 3★ 30 · 2★ 14 · 1★ 39 ## What do users think of USALLIANCE FCU? Overall sentiment: negative **Pros** - 👍 User-friendly interface - 🚀 Convenient digital banking features - 💡 Useful credit score integration - 🔒 Secure login options **Cons** - 🐛 Frequent app crashes and connectivity issues - ⚠️ Confusing UI changes and missing features - 💰 Excessive fees and overdraft charges - 🔍 Difficult to reset passwords or access accounts **Commonly reported bugs** - Login screen freezes and invalid credential errors - Inability to link external bank accounts - Inconsistent app performance across devices - Delayed transaction updates and balance information **Most requested features** - Ability to customize account nicknames - Recurring transfer and bill pay options - Improved mobile check deposit process - Enhanced online banking experience ## Newest reviews (11 of 90) ### 2/5 — Slow, slower *2026-05-26, version 6.2.0* I have noticed that the selection of a menu choice is very, very slow response or freeze the iOS app. ### 3/5 — Auto/Recurring Transfers *2025-01-02, version 6.2.0* When I first joined USAlliance I enjoyed the option to set up the auto/recurring transfers. Since you revamped the site the option to set transfers on a recurring bases became complicated and not friendly to users. Your representative promised it would be reinstated but it never was. Instead I was told by your management this can only be done by going through a DocuSign option. This made no sense. Instead of upgrading or simply put back something that worked, your system took a step backwards. I hope this doesn’t get ignored. Thank you ### 3/5 — Often can’t get into app! *2024-12-12, version 6.2.0* While I love using this app, nearly every time I first try to use it, I get a “We’re sorry. Try again later.” then in smaller type it says “The network connection was lost. Please try again.” Sometime when I try again right then it will work, but most times I have to quit and restart the app several times before I can finally connect. I am doing this via my iPhone 8 — but just need to point out several things: I NEVER have this problem with any other app, banking or otherwise using this same phone. I have killer Wi-Fi and am usually even sitting quite close to a router when I try to get in. And yes, I have made sure my USAlliance app is up to date — esp. since I’m always hoping an update will solve this stupid and unnecessary problem! So far, I continue to wait in vain. ### 2/5 — Mobile app *2024-12-09, version 6.2.0* The bank’s mobile app is extremely frustrating. Despite entering the correct information, the message “We do not recognize your username/password information” keeps appearing. Additionally, when attempting to use the “Forgot Password” option, it states: “The information you entered does not match our records – please correct to continue.” This makes it impossible to access the account. Please address these issues. ### 5/5 — Great app *2024-12-07, version 6.2.0* Easy to use. I love digital banking. I like USAlliance because they always solve my questions ### 2/5 — Not possible to change due date *2024-10-01* I pay a $35 fee every single month because my due date it the 27th and I get paid on the 30th. The bank is unhelpful and they get extra money from me. Will be leaving this bank because of this. ### 5/5 — Fun doing business and on line *2024-09-28, version 6.2.0* It's easy to deposit, transfer and pay bills on line. Also, like the 4.45% interest rate on the dividend savings account. ### 5/5 — The best bank ever!!! *2024-07-30, version 6.1.2* Love all there services and they just do a great job and helped me in my toughest times plus great rates too!!! Sean F. ### 2/5 — Fix it *2024-01-17, version 6.1.2* The switch over from MEFCU has been horrible! No one is able to help me. I can’t make online payments to my credit card. I don’t want my only option to be calling in. What if I want the make payments after business hours? ### 5/5 — I am very appreciative *2023-12-23, version 6.1.2* I have the best service and access to the benefits ### 5/5 — Easy to understand *2023-11-08, version 6.1.2* Excellent Dashboard ## Most critical reviews (10 lowest-rated) ### 1/5 — Employees cannot handle simple tasks *2026-05-18, version 6.2.0* If you update your payment method in anyway, they will not do it correctly and they will bury you in fees that they expect you to pay for their negligence. Instead of giving me my money back, they moved it to some random account and have been holding my money hostage for over a week still waiting on it to be returned. I’m absolutely shocked I wasn’t billed a fee just to reach out to their customer service line for them to do absolutely nothing still. This company is not worth a headache. Just don’t waste your time. ### 1/5 — They make it impossible to pay your HELOC *2025-11-17, version 6.2.0* The make it so you can’t pay if you’re a week late on a payment, then they call you asking you pay. They deserve to be insulted for being this incompetent. What a dysfunctional institution. Avoid. ### 1/5 — Beware *2025-08-27, version 6.2.0* This bank has become notorious for causing you to over draft to collect fees. Stay away from them. You can deposit money they will hold it overdraft you then post your money. ### 1/5 — Garbage! *2025-05-14, version 6.2.0* This app is the worst. I can never access my account information. I get stuck in verification that I am a human. I am questioning my commitment to this bank. Ridiculous. ### 1/5 — They make it impossible to pay *2025-02-14* They delete your “pay from” bank account from your loan if you are 7 days late. They charge a late fee AND then they charge $5 and demand you pay over the phone, after mistakenly saying you can set it up again online. This has the worst UX of any banking app and they are intentionally ruining UX patterns in banking just to frustrate you. ### 1/5 — Bad App *2024-04-24, version 6.1.2* Was it the developers plan to prohibit app users from using the app unless your on WiFi? So if I am out of the house running errands, I cannot access my account until I am connected to WiFi? What other useless changes will be created to make the user experience worse? ### 1/5 — Garbage *2024-02-28, version 6.1.2* Cannot make payments to credit card. Absolute garbage and waste of my time. Get it together. ### 1/5 — Horrible app *2024-02-04, version 6.1.2* Our company just switched over unfortunately and we have been dealing with the consistent unreliability service. No possible way to reset password as I’ve entered the correct information while still receiving invalid credentials message. I have replied to the email first sent to me from US Alliance to get my reset link/username but no luck. Horrible app ### 1/5 — cash advance quality don’t trust this bank *2023-12-21, version 6.1.2* i did cash advance from credit signature to checking after giving me all kind of story’s 2 day’s later found out 3rd party has my money (now i have to wait 8 days to get it back) ### 1/5 — Slow service *2023-10-26, version 6.1.2* On hold forever listening to annoying piano music..asked for a replacement card for a card in a wallet I lost and it is taking forever ..already my other card replacements from other vendors have been received but not US Alliance ## Most praised reviews (10 highest-rated) ### 5/5 — Good banking *2026-07-02, version 6.3.1* Best of the best ### 5/5 — Service *2026-06-24, version 6.3.1* I’m apart of this bank for many years, I was able to convince my family too join its a little old fashione but that’s ok.. I love the services they meet all my personal banking needs. FINALLY there Zelle…YES!!! ### 5/5 — My prayers for ALL USa employees 🙏🏽 *2026-06-03, version 6.3.1* I have been with the Credit Union for many years I don’t recall once being disrespected on the phone ever or in person. USA. Provides so many financial services Thank you each for your kind, respectful professional service. The economy/government is changing lives dramatically Matthew 6:9 ### 5/5 — Member Experience *2026-05-06, version 6.2.0* Am very satisfied with US Alliance service in the fee years since they took over! I have had great interactions and experience when I contact them by phone, all my questions and concerns are address at every touch point! Thank you US Alliance Staff for meeting my expectations! Keep up the great work👌 ### 5/5 — Customer service *2026-04-29, version 6.2.0* The customer service at the portchester branch is outstanding. You really feel like one is part of a group that cares. The manager and tellers are so nice. I do think your on line banking may need a little adjusting. You’re holding checks until they are cashed . Deduct the money immediately. Overall great service ### 5/5 — member *2026-04-18, version 6.2.0* i hv been a member since 1977 and wouldnt change a thing … i am so happy with the protection of my accounts, live customer service and ease of using the app … thank you USAFCU ❤️ ### 5/5 — Extremely helpful *2026-02-04, version 6.2.0* At a tragic time in my family the advice and help I was given was so appreciated. Always professional and thorough! Thank you is not even enough to say.‼️ ### 5/5 — New and improved ugh! *2025-06-16, version 6.2.0* Please change the web bill pay back to the original form. It was so easy to use. streamlined and clean. I know that the developers think they’ve improved it. But instead of everything laid out right in front of you now you have to go to multiple different screens. Please improve it further and bring it back to the way it originally was. ### 5/5 — Good *2025-03-01, version 6.2.0* Very good ### 5/5 — best app ever!! *2024-12-17, version 6.2.0* this app is SO beautiful --- *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 2026-09-02.*