# SFCU Mobile vs Ratifi

SFCU Mobile and Ratifi both sit at 4.8 stars, but that hides the real split: 100% of Ratifi's written reviews are positive against 40% of SFCU Mobile's. Ratifi also leads on update cadence (every 2 weeks vs every 2 months). SFCU Mobile's advantage is in-app purchases (none vs 3) and ratings volume (630 vs 6). On price, rating, ads and monetization model there is nothing between them.

Both are free to download. Ratifi sells 3 one-off in-app purchases. SFCU Mobile asks for nothing beyond the download.

Ratifi holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: SFCU Mobile has 630 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 40% of SFCU Mobile's written reviews are positive against 100% of Ratifi's.

SFCU Mobile ships an update every 2 months, Ratifi every 2 weeks. The most recent releases landed on October 26, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | SFCU Mobile | Ratifi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (630 ratings)](https://appshunter.io/ios/app/sfcu-mobile/id1013146189/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/ratifi-contract-analyzer/id6761587826/reviews)** |
| Number of ratings | **630** | 6 |
| Positive reviews | 40.0% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 106 MB | 50 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Sound Federal Credit Union](https://appshunter.io/developer/539536704) | [Ratifi LLC](https://appshunter.io/developer/1890364592) |

## What reviewers say

### SFCU Mobile

[App page](https://appshunter.io/ios/app/sfcu-mobile/id1013146189)

Manage your finances on the go with this mobile banking application. View accounts, transfer funds, pay bills, and deposit checks securely. Access your banking information anytime, anywhere.

**Highlights:** View account balances and transactions, Transfer funds between accounts, Schedule and manage bill payments, Deposit checks using your mobile device, Find nearby branch locations, Secure login with fingerprint/facial recognition, View recent account activity

**Features:** Apple Wallet

**In-app purchases:** none


### Ratifi

[App page](https://appshunter.io/ios/app/ratifi-contract-analyzer/id6761587826)

Instantly understand complex contracts with AI. Upload or photograph documents to get a clear, plain-English breakdown of fees, true costs, and negotiation points. Receive a risk score and actionable advice before you sign.

**Highlights:** AI-powered contract breakdown, Plain-English explanations, Hidden fee detection, True cost calculation, Negotiation tips, Risk score analysis, AI chat for follow-up questions

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 Analysis Credit | $1.99 | one-time |
| 5 Analysis Credits | $4.99 | one-time |
| 3 Analysis Credits | $4.99 | one-time |


## Frequently asked questions

### Is SFCU Mobile free?

SFCU Mobile is free to download, with no in-app purchases.

### Is Ratifi free?

Ratifi is free to download, with in-app purchases available.

### Which has better reviews, SFCU Mobile or Ratifi?

Ratifi is rated higher. SFCU Mobile averages 4.8 out of 5 from 630 ratings, while Ratifi averages 5.0 from 6 ratings.

### Do SFCU Mobile or Ratifi have ads?

Neither SFCU Mobile nor Ratifi shows ads.

### Which is updated more often, SFCU Mobile or Ratifi?

SFCU Mobile ships an update every 2 months, and Ratifi every 2 weeks. Most recently, SFCU Mobile was updated on October 26, 2026 and Ratifi on October 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*