America First Credit Union Reviews

AmericaFirstCreditUnion is ridiculously bad. It’s constantly out of sync with my actual bank account, even if I’ve just manually told it to sync. When I click checking to see which purchases have gone through it will only show purchases for that month. So if it’s March 1 in the morning it will be empty or have one pending thing. If a purchase or bill went through on April 30, you can’t see it without going through a few more steps in a completely different area that lumps all transactions for every account you have in one area. Old and paid off accounts from years ago show up with their full balances when I first got AmericaFirstCreditUnion putting me into a panic. The only good feature is the card guard but that doesn’t work properly because I can’t distinguish between mine or my husbands debit cards. If I lose mine we have to shut them both off?! Other banks have figured this out I don’t know why AFCU can’t.

First, I’m not bashing AFCU, I love the credit union itself, but AmericaFirstCreditUnion is freaking TERRIBLE. What really aggravates me, is the fact that I won’t have pending charges shown whatsoever for days. I sometimes will forget about some of the charges I’ve made, because I’m human and don’t remember every single shopping trip/bill, etc. and I figure AmericaFirstCreditUnion will keep track of my transactions so I don’t have to write them down manually. The point I’m getting at is next thing you know, my account is negative because those pending transactions never showed and I spent money elsewhere. Also, something the old app had and not this one, is when you spent money, it would say where and how much and off to the side it would state what your balance was after that transaction. It would do that for every transaction so you could visually see where the money went, and how much was available after you made that purchase. I hope that makes sense? & I HOPE it gets fixed. I often miscalculate because of the flaw, and end up looking like a don’t know how to manage money.

For some god forsaken reason AmericaFirstCreditUnion doesn’t recognize my account # and password .. SO when the information is entered I get a “ system error occurred please call this number “ alright fine whatever let me talk to a representative . I call the number and tell them my situation and not only do they do a poor job of helping me but it seems like they don’t know what to do ( that’s customer anywhere)... it’s very annoying that I can go to the America First Website and enter all my info correctly and it works ! but when it comes to this sorry excuse of an app it just does not comply.. I really don’t have the time to turn on my PC and check my funds ... it’s the reason why I have AmericaFirstCreditUnion but even AmericaFirstCreditUnion doesn’t want to work ...

TL;DR ~ I’m upset that not only is customer service not helpful when it needs to be but AmericaFirstCreditUnion doesn’t recognize my #’s so now I have to wait another day and see if this will finally work

According to customer service, if you use a checking routing number to pay a bill it does not show up as a pending charge in your account. Therefore leaving you to think you have more money in your account than you actually do. The convenience of paying online allows you to not have to keep track or a detailed report of what you’ve paid. Why does the platform not reflect a transaction as pending regardless if it clears or not and at least you’ll know that there is something that’s waiting to be withdrawn from you account. Setting up an alert to let you know when you have a little balance is great, but it doesn’t help when you have a larger payment clearing and you don’t have the money in your account to cover it. Plus why does AmericaFirstCreditUnion not show your balance before and after transactions like the online banking platform does? This would be very helpful in AmericaFirstCreditUnion . I close an account of 25 years with another bank to come to America first credit union and I’m so disappointed. After speaking to customer service about this incident they suggested I use a loan to cover my checking account in this type of situation. I am just trying to balance my account down to its last penny. Not take out money as I currently have money in the account or even in my savings account. Please look at other banking platforms and see how they do it. Please update your app.

I really like this bank and app but it does have issues. It’s been a very long time but all of a sudden the push notifications just stopped. It was nice having those pop up cause you could see if something was going through. Really don’t know why and who would have thought it was a good idea to get rid of them. An issue I ran into just now is AmericaFirstCreditUnion is not reflecting the bills I just paid. I have emails and conformation numbers from the 3 I just paid but not a single one is in AmericaFirstCreditUnion . It’s been 10 plus minutes. This is alarming as what if I look at my account one day thinking I have money spend money and go negative and have to pay fees now due to it. I even went online and they aren’t their either. I don’t know if it’s due to it being Monday but this is insane. I need these bills paid so I can work, have a working phone and a place to live.
It’s finally showing. It took over 30 plus minutes that’s completely unacceptable.

The new app is mostly a let down. The icons and labels have been updated and yet the GUI is confusing and hasn't taken the user experience into account in some aspects, in my opinion. It's so frustrating to use AmericaFirstCreditUnion just to do simple tasks. The old app was frustrating to use also, but now AFCU went too far in the other direction; way too much in every place. It’s also very slow—just for everything. They tried to make it graceful and fluid, but it is annoying instead.

One core problem I’ve had is making transfers out of savings accounts: it doesn’t always tell you your transfer is one of the regulation D transfers. It only tells me that if I transfer within my account. If I make a transfer from savings into another account then it will not tell me. I called Support about this and they said their app does tell them each time, so I’m the special one, I guess. Their recommendation was to uninstall AmericaFirstCreditUnion and reinstall it. I did that. It still doesn’t.

I loved AmericaFirstCreditUnion so much, super easy to transfer money, super user friendly and easy to navigate, and quick to check account balances. Well one day I made all my bill and credit card payments because AmericaFirstCreditUnion said I had enough money in my account. Well soon to find out AmericaFirstCreditUnion hadn’t updated my checking account balance and I paid bills and credit cards with money that wasn’t really in there. They charged me over draft fees and sent me a letter in the mail and said i had $75+ worth of fees for over drafting. I wouldn’t have paid my bills and credit cards if I had known my really checking balance but AmericaFirstCreditUnion doesn’t update it in real time. I saw a couple previous reviews that said the same thing happened to them and I never thought that it would actually happen to me. Now I just log on using safari and use the full online banking instead of AmericaFirstCreditUnion because that’s real time.

There is no reason to ask our security questions for every login. The question at the initial login on a new device is sufficient. When I log into my account I use facial recognition and/or a finger print, or account number and password. After submitting login credentials my device and your server is exchanging IP addresses and hardware addresses. Asking the security question at every login is amateurish. This begs the question, if you treat your virtual front door this way what other processes will I discover that will hurt my trust into your company? Anyways, the industry standard is to ask security questions after the first login on a new device, multiple failed login attempts and to unlock/retrieve an account.
Regarding speech access... It's too easy to get stuck into a loop. If this were an emergency what is the fastest way to reach someone at AFCU?
Both issues here comes across that AFCU uses a axe instead of a scalpel when it comes to online security and customer service.

You know, if AmericaFirstCreditUnion just updated your account settings as listed from its online (web browser) banking source, it would actually be a very useful and near perfect app. My suggestion, America First, is fix this problem before updating the GUI (that’s how AmericaFirstCreditUnion looks and feels for all you technical novices). I’ve had AmericaFirstCreditUnion for a while, so I know that it doesn’t update your account as soon as it should, so I haven’t run into overdraft fees in a while. Oh, also, notify your employees that this is a problem, I argued with one of your tellers about how AmericaFirstCreditUnion doesn’t always update immediately and he kept trying to tell me it was instantaneous, no matter the situation. I think a good majority of these reviews somewhat argue otherwise. I do admit that most purchases show almost instantly, but I’ve found that some stores have a delay on the actual amount, such as most gas stations. Anyway, I know this is a long review, but it’s meant mostly for the software staff, so pay me no mind, other customers. (This information might be helpful to know if you’re going to get AmericaFirstCreditUnion so you know what to look out for, though.)

I’ve been using AmericaFirstCreditUnion for years, and it works great—editing at doing nearly everything I need. I wish it gave me a chance to save and remember people’s accounts for transfers, though. I have certain AFCU members who are family, and I have to transfer money to them from time to time. Having AmericaFirstCreditUnion remember their information would save a lot of trouble Thanks! with the bank-like approach America First took to their new premium checking accounts. For an organization that claims to have its members’ trust as a top priority, this kind of sneaky, “rope-everyone-in” strategy is beneath them. I’ve been loyal to this credit union for a long time and have done lots of business with them. In my mind, they have lost trust with this move. I hope they won’t try anything like this again. I gave them 3 stars because I still have some lingering loyalty to the CU and also because AmericaFirstCreditUnion works well except that it doesn’t let you store the information of people you make transfers to, so you can reuse those details and not have to re-enter them every time.

First, I really have enjoyed being a member of America First, they have always taken care of me and my family and have helped make our bill paying easy and banking very simple and convenient. I enjoy doing the majority of my banking with the mobile app. It is very easy to use and I am able to track our expenses, pay bills, make mobile deposits and transfer money each week with a few clicks. The only item I don’t like about AmericaFirstCreditUnion. is that sometimes the mobile app doesn’t keep up with the website. It may take a few hours to a day to have the running total/transaction history catch up to what’s showing on the website. I’m not sure why, when the data is so up to date on the web. That’s why I didn’t say all transactions completed through the mobile app. There are a few I have to take care of online because of the “data catch-up.” Other than that I love the mobile app. I will be a lifetime customer of AFCU!

AmericaFirstCreditUnion could use a couple of things (like expenditure details, etc) but it is simple, easy to use, and within a very short period of time, it is up to date. (Apx 2-3 mins to show transfers and deposits, and once a charge gets processed, those are updated quickly as well. I like the added feature on this update that lets you know your payoff balance on a CC or LOC right on the transfer amount screen. Before this update, I had to try and remember my balance and the amount to transfer, which I often messed up. This makes paying these off each month simple! I love this credit union and their app makes banking on the go, a breeze! I hope they continue to update and make even more positive changes over time!

It is incredibly convenient to be able to see balances and transactions anytime from anywhere and compare gains and losses month to month. It also shows where your spending lies in an easy to understand pie chart, including categories such as food and dining, automotive, entertainment, etc.
You can deposit checks and make transfers without even leaving the couch.
But it also has a few issues. Every couple of weeks, it denies me access to it, saying that my password is no longer acceptable because I’ve changed it (when I haven’t.) my only option, then, is to try to reset my password, which it always tells me is “unavailable.” It usually accepts my same old password a few days later without my doing anything else.
I’m finding out that shutting off my phone for a few minutes when that happens helps. I’ve had a few other issues occasionally, but they’re not as bad as this one.
It’s a very helpful app, though, overall.

I like the features of AmericaFirstCreditUnion. It lets you make transfers easily to other people or into savings. It also shows how much of your money is spent on certain items. I waste too much of my money on food, but it’s part of life and it helps me budget that. The charges on a past review are pending because that’s how long it takes some services to go through.. so that really just sounds like a personal problem. It’s nice that it has those pending charges because you can track how much money will be lost soon. You can also deposit checks electronically when needed. It also seems secure and you have to enter your password pin every time you check your finances. It has been a helpful app and it’s much easier to track money than without it and having a mystery card, or just making frequent trips for bank receipts..

Just started using AmericaFirstCreditUnion and love it. It’s so nice to be able to see all my accounts in one place, and to be able to easily gauge my overall financial health. Another thing I really love is how it takes all my transactions from all my credit card accounts and displays them in one place. Not only that, but the transaction data is incredibly clean and easy to understand. No longer do I have to try and figure out where the transaction was from. There is also some other great tools in here as well, but clean transactional data and seeing all my accounts in one app are my favorites! Great job AFCU on staying ahead of the curve.

I have been with America First from long before it was AFCU and would never think of changing My children and grandchildren are also AFCU member. AFCU’s determination for accuracy, expediency and many Rotherham words I could use to define them. In all my years with AFCU I have never had any kind of banking error, have always received dedicated representatives that are knowledgeable as to the customers unique need. When I hear that someone uses a bank I cringe (why would anyone to that). In using a company for as long as I’ve used AFCU which is over 50 years without any incident is unheard of. So I am very proud to shout I am am AFCU member and wouldn’t have it any other way!! Thanks to all of you at AFCU for all you have done to make me feel I am your most important customer. I am also proud to say that I recommend you to all people I know that are looking for a financial institution. Kudos to you AFCU, you have earned it and more.

Warm regards,

Chantal Beason

I have been a customer of America First Credit Union (America First), since 1997 and have had exceptional service since I first opened my account on the recommendation from a work colleague. Since then they have provided me a home mortgage, car loans, RV financing, as well as a line of credit that is easily accessible from the mobile app on my phone. They were there when some unscrupulous characters decided to pass fraudulent checks drawn on my account, helping me through the nightmare and ending in the arrests and convictions of the perpetrators. I would gladly recommend America First Credit Union without reservation. Check them out, you’ll be glad you did!

AmericaFirstCreditUnion does two major things for me. One removes my stress of having my card stolen or run without my knowledge: I turn off my cards until I’m ready to use them. You can also set limitations like max amount run in a transaction or you can set it to decline certain types of transactions like online or out of your state. If someone tries to run your card with them turned off it gets declined and you get a notification! I have had someone steal my card information and clear my account in a day, so this is a big one for me. And Second: it tracks my spending so I can easily go in AmericaFirstCreditUnion and see where my money has gone category wise. This has actually helped my budget more than I though it would. Like everything AmericaFirstCreditUnion is not perfect but I would highly recommend it.

I've never been very good with banks and my prior experiences left a sour taste when it came to Mobil banking... but for some reason American First credit union seems to work well with me.... it completely accommodates the needs of someone like my self who knows very little when it comes to iPhones, computers and technology... and even better the few times I've screwed up, calling the friendly people in the customer service department is anything less then marvelous... always friendly, patient, I can feel their smiles jump thru the phone when speaking with me... makes me want to mess up just to call them..... I will always rave the positivity and easy to maneuver on line Mobil application...... along with the card guard services that give me the piece of mind I need to watch over my funds.......
Thank you AMERICA FIRST CREDIT UNION

I have been a member for 14 years now. Their mobile app works, is never down, and love how when you make a credit card payment it instantly applies to the CC balance. Other bank I have, it doesn’t do that. I like knowing my exact balance and knowing that my payment applied.

Calling into America First has always been good if you are wondering. Have had three car loans with them if you are looking for a good place for that (two of them were while I lived out of state). I have been out of state for six years now, but still use their account because I like how they run things.

All around good place for banking. Even if you don’t live in-state.

Overall AmericaFirstCreditUnion is useful. I do wish that the categorization of transactions applied to future transactions though - it is time consuming to re-categorize the same things when they are added incorrectly because AmericaFirstCreditUnion does not “remember” what you selected the last time. For example, our water and garbage utility bill is entered as “Uncategorized”. I change it to “Utility” and it does have a re-categorization confirmation to ask if I want to update all the other matching transactions which is great, but the next time the same transaction shows up it is “Uncategorized” again and the process repeats. It would save a lot of time if the re-categorization confirmation applied to future matching transactions as well as past ones.

There are a lot of features I like about AmericaFirstCreditUnion, easily being able to view transactions, easily being able to move money to my accounts or other accounts, the privacy guard when you suspend AmericaFirstCreditUnion ...I also like how pending transactions are factored into my balance when I go into my checking account, and can see positive and negative charges to each account easily. There also some things I wish I could change about it. The main thing that I want to change is I wish I could customize my budgets within AmericaFirstCreditUnion . It creates budgets for you, but a lot of my charges automatically are categorized in miscellaneous, and doesn’t keep me accountable.

Shows pending charges right away, let’s you make transfers to whatever account you need, shows credits and debits to accounts to help track spending. All around amazing app and paired with card guard I love the combo. Can turn on and off cards when not using or after shopping/anything you’re really doing involving spending. I do enjoy that it will show me available credit as well before the transaction has even processed so I know when my card is getting high and I can pay it down. Maybe AmericaFirstCreditUnion was bad in the past but with whatever they’ve done with it I think it’s fantastic.

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I missed out on most of my payments. I could not make the payments due to getting let go from my job. Single mother and had to file for temporary assistance for my son and I just so we could survive at that moment. I have heard of many successful removal stories and I really felt I had undergone hardship. I explained this in my goodwill letter to them as well as on the phone with someone from the CEO office. I ended up securing a new job and made all the payments, but the negatives still appear on my credit and my score is still very low. We had a for sale sign in front of our house due to the landlord selling property and I couldn't get a loan due to my low credit score . I was introduced to Rootkits Credit Specialist by a neighbor who took pity on me. They helped me erase the negative Items and raised my score to 771 . I'm recommending their services as promised, they're available on 815 524 8116

I missed out on most of my payments. I could not make the payments due to getting let go from my job. Single mother and had to file for temporary assistance for my son and I just so we could survive at that moment. I have heard of many successful removal stories and I really felt I had undergone hardship. I explained this in my goodwill letter to them as well as on the phone with someone from the CEO office. I ended up securing a new job and made all the payments, but the negatives still appear on my credit and my score is still very low. We had a for sale sign in front of our house due to the landlord selling property and I couldn't get a loan due to my low credit score . I was introduced to Rootkits Credit Specialist by a neighbor who took pity on me. They helped me erase the negative Items and raised my score to 771 from the initial 587. I live in a new apartment now all thanks to them and my good ex neighbor. I'm recommending their services as promised, they're available on 8 1 5 5 2 4 8 1 1 6 or Email: rootkitscreditspecialist at gmail dot com.

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