# Patelco Mobile Banking vs JAMS Cloud

The clearest difference is ratings volume: Patelco Mobile Banking at 53K against JAMS Cloud's 1.1K. Patelco Mobile Banking also leads on review sentiment (84% vs 67%). On price, rating, update cadence and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for Patelco Mobile Banking against 4.7 for JAMS Cloud. That said, the two scores are not equally well evidenced: Patelco Mobile Banking has 53K ratings behind it against 1.1K, so its average is the more settled of the two. Written reviews are what separate them: 84% of Patelco Mobile Banking's written reviews are positive against 67% of JAMS Cloud's.

Patelco Mobile Banking ships an update every 2 months, JAMS Cloud every 6 weeks. The most recent releases landed on October 28, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | Patelco Mobile Banking | JAMS Cloud |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (53K ratings)](https://appshunter.io/ios/app/patelco-mobile-banking/id1026895982/reviews)** | [4.7 (1.1K ratings)](https://appshunter.io/ios/app/jams-cloud/id1451530465/reviews) |
| Number of ratings | **53K** | 1.1K |
| Positive reviews | **84.1% of reviews** | 66.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | Free | Free |
| Size | 129 MB | 51 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Patelco Credit Union](https://appshunter.io/developer/1026895981) | [Sheet Metal Workers Local Union No. 104](https://appshunter.io/developer/1451530464) |

## What reviewers say

### Patelco Mobile Banking

[App page](https://appshunter.io/ios/app/patelco-mobile-banking/id1026895982)

Manage your finances conveniently from your mobile device. Access account balances, view transaction history, and transfer funds. Pay bills, deposit checks, and find nearby ATMs and branches.

**Highlights:** Check account balances, View transaction history, Transfer funds between accounts, Pay bills, Deposit checks, Find ATMs and branches, View and activate cash back offers

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Convenient mobile banking
- 👍 Easy to use app
- 🔒 Secure banking
- 💡 Useful features like mobile check deposit
- 👍 Reliable and consistent performance

**What reviewers complain about**

- 🐛 Recurring issues with mobile deposit
- 🐛 Frequent app crashes and login problems
- 🐛 Inconsistent app performance after updates
- 🔒 Concerns about account security and privacy

**Reported bugs**

- Mobile deposit issues causing app crashes
- Repeated login problems and account access restrictions
- Inconsistent app behavior after recent updates

**Requested features**

- Dark mode option
- Improved account management features
- Enhanced mobile deposit capabilities
- Faster and more reliable app performance


### JAMS Cloud

[App page](https://appshunter.io/ios/app/jams-cloud/id1451530465)

Manage your union membership and employment details conveniently. This app allows you to handle payments, update your information, view reports, and receive important union notices.

**Highlights:** Manage Autopay and one-time payments, Update skills and certifications, View and download dispatch reports, Update contact information, Receive membership payment reminders, View employment and hours history

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Accommodating and accessible
- 👍 User-friendly app
- 👍 Great way to pay dues
- 👍 Thorough

**What reviewers complain about**

- 🐛 Login issues
- 🐛 Doesn't remember user info
- 🐛 Crashes after verifying info
- 🐛 Touch ID doesn't work

**Reported bugs**

- Login screen freezes
- Incompatible with older devices
- Can't save name or password

**Requested features**

- Allow more control over 401k, healthcare, etc.
- Bring back past employer comments
- Improve notification settings


## Frequently asked questions

### Is Patelco Mobile Banking free?

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

### Is JAMS Cloud free?

JAMS Cloud is free to download, with no in-app purchases.

### Which has better reviews, Patelco Mobile Banking or JAMS Cloud?

Patelco Mobile Banking is rated higher. Patelco Mobile Banking averages 4.8 out of 5 from 53K ratings, while JAMS Cloud averages 4.7 from 1.1K ratings.

### Do Patelco Mobile Banking or JAMS Cloud have ads?

Neither Patelco Mobile Banking nor JAMS Cloud shows ads.

### Which is updated more often, Patelco Mobile Banking or JAMS Cloud?

Patelco Mobile Banking ships an update every 2 months, and JAMS Cloud every 6 weeks. Most recently, Patelco Mobile Banking was updated on October 28, 2026 and JAMS Cloud on October 26, 2026.

---

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