Comparison

Texas Capital Mobile vs SWACU

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Texas Capital Mobile

Manage your personal and private banking accounts securely. View balances, transfer funds, deposit checks, pay bills, and send money with Zelle®. Includes debit card controls and investment account management.

Highlights
  • View account balances and transactions
  • Deposit checks via camera
  • Transfer money between accounts
  • Pay bills with Bill Center
  • Send/receive money with Zelle®
  • Manage debit card controls
  • View investment account activity
Features
Read full description

With the Texas Capital Mobile app, Personal Banking and Private Bank clients can securely manage their deposit and investment accounts with ease. With our app, you can: · View your account balances and transaction details. · View and print your monthly e-statements. · Set up direct deposit. · Transfer money between your Texas Capital Bank accounts or linked accounts at other banks. · Deposit checks using your device camera. · Pay your bills on time with Bill Center using your checking or money market account. · Send and receive money with friends and family using Zelle®. · Manage your debit card with card controls and alerts for added security. · View your investment account activity, balance history and allocations. Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Texas Capital is the collective brand name for Texas Capital Bank (“TCB”) and its separate, non-bank affiliates and wholly owned subsidiaries. TCB is a wholly owned subsidiary of Texas Capital Bancshares, Inc. We are headquartered in Dallas, Texas, and work with clients across the country. All services are subject to applicable laws, regulations and service terms. For deposit products, Member FDIC. INVESTMENT PRODUCTS • NOT FDIC-INSURED • NOT GUARANTEED BY THE BANK • MAY GO DOWN IN VALUE • NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

About

SWACU

Manage your finances on the go with this comprehensive banking app. Perform most branch transactions securely from your mobile device, 24/7. Organize transactions, deposit checks remotely, and control your debit cards.

Highlights
  • Organize transactions with tags, notes, and receipt photos
  • Secure and fast account monitoring
  • Remote check deposit
  • Debit card control (on/off)
  • Schedule and view payments and transfers
  • Apply for new accounts and loans
  • Biometric authentication
Features
Read full description

Upgrade with the all new SWACU mobile app. It’s not just an update, but it’s a complete overhaul designed to put you in control. Do just about everything you can do at a branch on your mobile device. It’s completely secure and at your fingertips 24/7. Welcome to a seamless new world of mobile possibilities. Features: · Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. · Secure and fast account monitoring · Remote Check Deposit · Turn on/off SWACU Debit Cards · Schedule and view bill payments, transactions, transfers, and pending deposits · Make or schedule loan payments · Apply for new accounts such as: checking, term share certificates, credit cards, and loans. · Order checks, view statements and send secure messages. · Find the nearest SWACU branch and ATMs. · TouchID® Fingerprint, FaceID® and other Biometric Authentication. · Set up alerts so you know when your balance drops below a certain amount

Screenshots

Texas Capital Mobile4 screens
SWACU4 screens

Verdict

The call

The clearest difference is update cadence: SWACU at every 4 weeks against Texas Capital Mobile's every 4 months. SWACU also leads on rating (4.9 vs 4.6) and ratings volume (4.2K vs 1.2K). Texas Capital Mobile's advantage is iOS requirement (16.0 vs 18.4). On price, review sentiment, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

SWACU holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 1.2K and 4.2K respectively. Written reviews complicate that: 78% of Texas Capital Mobile's written reviews are positive against 76% of SWACU's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Texas Capital Mobile ships an update every 4 months, SWACU every 4 weeks. The most recent releases landed on November 11, 2026 and November 8, 2026 respectively.

Scorecard4 real differences · 6 level
Texas Capital Mobile versus SWACU: the parameters behind the verdict, then further details
ParameterTexas Capital MobileSWACU
PriceFreeFree
Rating4.6 (1.2K ratings)4.9 (4.2K ratings) — better
Positive reviews77.8% of reviews — better75.8% of reviews
Number of ratings1.2K4.2K — better
Update frequencyEvery 4 monthsEvery 4 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better18.4
Further details — not scored
Size115 MB196 MB
Age rating17+4+
DeveloperTexas Capital BankSouthwest Airlines Federal Credit Union

Customer experience

Texas Capital Mobile

All ratings956 ratings
Positive90.2%
Neutral2.9%
Negative6.9%
Written reviews261 reviews
Positive77.8%
Neutral7.3%
Negative14.9%

SWACU

All ratings4,055 ratings
Positive96.9%
Neutral1.4%
Negative1.7%
Written reviews33 reviews
Positive75.8%
Neutral9.1%
Negative15.2%

User reviews

Texas Capital Mobile

From 1.2K App Store ratings

What we love

  • 🚀 Easy to navigate
  • 🚀 Informative and clear
  • 🚀 Convenient and user-friendly
  • 👍 Great customer service
  • 👍 Reliable and functional

Room to improve

  • 🐛 Occasional crashes or glitches
  • 🐛 Slow account transfers
  • 🐛 Difficult to set up alerts
  • 🔍 Limited functionality compared to other banking apps
  • 🔍 Outdated or clunky design

SWACU

From 4.2K App Store ratings

What we love

  • 👍 Terrific improvements from the previous version
  • 👍 New app is awesome!
  • 👍 Quicker, easier to use, and feels much more modern
  • 👍 Great user interface
  • 👍 Easy and quick to use

Room to improve

  • 🔍 Menus take a while to find where you need to go

Bugs and requests

Texas Capital Mobile

Reported bugs

4 issues
  • App freezes or crashes on login
  • Inconsistent performance across devices
  • Accounts not displaying properly
  • Issues with linking external accounts

Requested features

5 requests
  • Faster account transfers
  • Improved alert and notification system
  • Integration with popular money management tools
  • More customization options
  • Expanded mobile deposit capabilities

SWACU

Reported bugs

1 issue
  • No rewards counter in the new app

Requested features

1 request
  • Provide rewards transactions and tracking

In-app purchases

None

Texas Capital Mobile

No in-app purchases

None

SWACU

No in-app purchases

Questions

Is Texas Capital Mobile free?
Texas Capital Mobile is free to download, with no in-app purchases.
Is SWACU free?
SWACU is free to download, with no in-app purchases.
Which has better reviews, Texas Capital Mobile or SWACU?
SWACU is rated higher. Texas Capital Mobile averages 4.6 out of 5 from 1.2K ratings, while SWACU averages 4.9 from 4.2K ratings.
Do Texas Capital Mobile or SWACU have ads?
Neither Texas Capital Mobile nor SWACU shows ads.
Which is updated more often, Texas Capital Mobile or SWACU?
Texas Capital Mobile ships an update every 4 months, and SWACU every 4 weeks. Most recently, Texas Capital Mobile was updated on November 11, 2026 and SWACU on November 8, 2026.

Other comparisons