I love the FCCU person-to-person pay. Makes it super easy to pay my yard man. The funds transfer makes it simple to save money, and give money to my child. The text notifications are also very useful and keep me confident that I have a handle on where my money is going, and when I get paid. FCCU has a better app than the other financial institutions I have seen. Everything is integrated in one platform.
Do not use this app or financial institution. They control everything about your money. Every week I have to call them because they keep freezing my account claiming fraud, every time you want to order something for instance let’s say you order a jacket from let’s say England you have to call the bank first. I once sent my girlfriend $5 through cashapp and they froze my account, I ordered her a ring from Ireland and they froze my account. They have even taken money from my dad’s account and moved it to mine without our knowledge or authorization. Most recently I authorized a withdrawal from my checking account for my stock broker and again FCCU has decided to not honor it. Their systems have been easily hacked many times. Don’t even get me started about how there’s always something broken on the app. As of now it’s people getting locked out of their accounts. Getting ahold of a person for help is very difficult anymore, ever since they switched to mostly automation. Point blank they control everything about you.
I’ve been waiting over a month to view transactions online and still unable to view. I’ve called, visited your location and still no online access. I’ve left two or three messages through your digital banking requesting an update and asked a representative to call me and no response as of today. Your message that appears in digital banking states customers should receive a call in a timely response. This is very poor service and I work in a customer service career and been through three mergers... Our clients never experienced such terrible service. Unfortunately, the long time banking relationships are being forced to cut ties with their bankers and move their banking business elsewhere. You’re operation should have invested in a team that had experience in financial mergers so your customers wouldn’t have to suffer in this transition.
First Commerce Credit Union has done a wonderful service to it’s customers by providing a very user friendly and versatile app for doing daily business and making financial decisions and actions. The app has gotten progressively better and for an iPhone user like me, the thumb print log in option was s fantastic addition. Billybruce15
I don’t recommend getting the app OR banking with them. Getting help is close to impossible. I’ve been trying to get help with my account for over a week. I’ve called customer service and the representative told me she couldn’t help and that she would send someone else to get back with me and no one has. I’ve emailed again after the call; mind you I waited 2-3 days just incase they were that busy but there still has been no reply. My funds are missing and they are not even attempting to get in touch with me. My best advice would to choose another bank altogether. Don’t waste your time.
I thought by that now, this sw would be pretty good. But I was wrong. 1) told me I “had” to go to the link in my email to see my statements. Tried that and it just took me to a page trying to sell me on banking options. Went back to my normal app login with Touch ID and got same message when I asked for statements but this time I went to the menu and was able to get to them. Why does the email message NOT tell me about that option instead of telling me I had to use the email link that was basically a waste of time anyway. 2) can’t update my mobile number with my iPhone because the sw never pulled up a keyboard. In my account settings it says my e-statement enrollment date is 2/7/23. The only way that could be true is if it rolls over every February 7th because I’ve been getting e-statements for over a year at this point.
***update to 1 star after recent "enhancements"*** Slow loading, unresponsive saying that the server can't be connected with, no touch id, did I mention it is slow as heck?? Absolutely terrible. FC seriously needs to reconsider their app and website engineers because they have no clue what they are doing. But that's not always the case. Not very reliable with constant errors not to mention transactions are hardly ever available to be viewed for some reason. Not surprising considering the website for FCCU is basically just as unreliable as this app. They should consider hiring a web developer that knows what they are doing.
This app was slow from the first time I downloaded it. I assumed it was my older iPhone but even with an upgrade and being connected to WiFi the app is still slow. Sometimes I have to close and reopen the app numerous times before my account info loads. The app will stall more times than not and doesn’t work as smoothly as other banking apps. Even my FedLoan app for my student loans is faster than the FCCU app. I’ve been patiently waiting for an update hoping that would help the issues BUT nothing comes about! 😩😭
I find the First Commerce app to be extremely useful and easy to use. I am a long time First Commerce member and now have everything at this one bank including my mortgage and HELOC. The ability to do mobile deposits is terrific and really reduces trips to the bank. Nancy B
The app is good and does everything I need, basically. I wish the “how to” for doings things was a bit more intuitive. The transfer function takes a lot of scrolling up and down to figure out how to complete the transaction. Overall, I love that I can transfer person to person without using a third party app like Google Pay.
This app is great…. Most of the time. The last month or two in particular have been pretty lacking. The app had trouble remembering the device. Every time I longed in on the app I had to re-verify my phone. It seems to be working again but it was very inconvenient for a long time.
I love this app because I have just about everything I need at my fingertips. Transfer money- Got it! Deposit a check - Got it! Get my credit score - Got it! Freeze my card when I’ve miss placed it or seen fraudulent charges - Got it!! So so much more!
The app is okay, except for when I use it to transfer funds from outside account. It takes too many days for a payment to post. I believe that 4 days is way too long is this electric world of high speed internet, especially when the funds come out 2 days before the payment post.
I like the app. However, I have had issues getting to balances on occasion after logging in. Due to the varying nature of the quality of internet connections, I suspect transaction timeouts are causing the problem. Get that solved and you will have a great app! In either case this app is much improved performance wise from the initial rollout.
The app itself is simple and easy to use, but there’s a lot of lag and unresponsive issues with different areas of the app, it also doesn’t update in real time which becomes an issue if you need to check your current balance for whatever reason it may be. If they could work on these issues, the app would be more useful
I love how easy it is to use and all of the new stuff like mobile deposit in the same app instead of two separate apps.. I also got my Touch ID set up using instructions provided on the site...thank you FCCU.
I've been with first commerce since I was 14 years old. They have helped me establish credit. Make smart choices with savings and every time we stop by the bank associates wave or come over and say hi. Very personable feel!
Everything I need to do, all of my banking, can be done on this app. I can’t even remember the last time I stepped foot into a physical branch. I rarely even have to call so the convenience is amazing!
Would give a 5 star review but no facial recognition makes it a bit cumbersome to unlock. Almost every other app in the marketplace has that option so it is time for an update. That being said, Once you log in it is very easy to use and very intuitive.
Couple of minor tweaks notwithstanding, this app is very convenient and dependable. Some screens are not sizable for easy portability and you might want to reserve any account/payee editing for the full web version. All in all, very good job developing a useful tool. Thanks.
The has been good for me to receive update information on my accounts. I like the feature of being able to transfer funds from one account into another. Keep up the good work in looking out for your customer.
It is difficult to navigate to the different options. You have to open up every folder to find the subfolder of what you are looking for. Then when you open the subfolder, it doesn’t give a clear explanation of what to do next. It has become all trial and error for me and not user friendly. Very disappointed.
First Commerce is committed to you find the power of YOU. We keep you equipped with the latest online and mobile technology you need, when you need it. iBranchMobile! is fast, FREE, and guaranteed secure. Check balances, transfer funds, pay bills, plus much more right from your iPhone.