# NJFCU Mobile vs FirstCap Connect

The clearest difference is review sentiment: NJFCU Mobile at 62% against FirstCap Connect's 10%. NJFCU Mobile also leads on rating (4.8 vs 3.2) and ads (none vs shown). On price, update cadence, in-app purchases and device support there is nothing between them.

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

NJFCU Mobile holds the better App Store score, 4.8 against 3.2. That said, the two scores are not equally well evidenced: NJFCU Mobile has 2.3K ratings behind it against 19, so its average is the more settled of the two. Written reviews point the same way: 62% of NJFCU Mobile's written reviews are positive against 10% of FirstCap Connect's.

Both ship on a similar rhythm, roughly every 4 months. The most recent releases landed on September 24, 2026 and July 23, 2026 respectively.

## The numbers

| Metric | NJFCU Mobile | FirstCap Connect |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (2.3K ratings)](https://appshunter.io/ios/app/njfcu-mobile/id1027086295/reviews)** | [3.2 (19 ratings)](https://appshunter.io/ios/app/firstcap-connect/id1548325375/reviews) |
| Number of ratings | **2.3K** | 19 |
| Positive reviews | **61.9% of reviews** | 10.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 4 months | Every 4 months |
| Monetization | **Free** | Ad-supported |
| Size | 30 MB | 102 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone, iPad | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [NORTH JERSEY FEDERAL CREDIT UNION INC](https://appshunter.io/developer/1027086294) | [First Capital Federal Credit Union](https://appshunter.io/developer/486980475) |

## What reviewers say

### NJFCU Mobile

[App page](https://appshunter.io/ios/app/njfcu-mobile/id1027086295)

Manage your credit union accounts conveniently and securely from your mobile device. Check balances, view transactions, make payments, and transfer funds. Add your cards for contactless payments and secure money sharing.

**Highlights:** Account dashboard, View account balances and transactions, Schedule and make bill payments, Transfer funds between accounts, Digital wallet for contactless payments, Secure card access for money sharing

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Excellent service and friendly staff
- 🚀 Easiness of online banking
- 🔒 Secure and trustworthy
- 👍 Great app and easy to use

**What reviewers complain about**

- 🐛 App not working after update
- 🔧 Needs to be more user-friendly and updated
- 🐛 Unable to unfreeze card
- 🕰️ Slow mobile deposit processing

**Reported bugs**

- App freezing and crashing
- Login issues and inability to view account balances

**Requested features**

- Credit card option to build credit
- Ability to view pending transactions


### FirstCap Connect

[App page](https://appshunter.io/ios/app/firstcap-connect/id1548325375)

Manage your First Capital FCU accounts 24/7, including checking balances, viewing transactions, making transfers, and depositing checks. Apply for loans, view current offers, and find nearby branches or ATMs with directions.

**Highlights:** Account management, Mobile check deposit, Bill pay, Loan applications, ATM/Branch locator, Quick balance view

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is NJFCU Mobile free?

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

### Is FirstCap Connect free?

FirstCap Connect is free to download, with no in-app purchases.

### Which has better reviews, NJFCU Mobile or FirstCap Connect?

NJFCU Mobile is rated higher. NJFCU Mobile averages 4.8 out of 5 from 2.3K ratings, while FirstCap Connect averages 3.2 from 19 ratings.

### Do NJFCU Mobile or FirstCap Connect have ads?

FirstCap Connect shows ads; NJFCU Mobile does not.

### Which is updated more often, NJFCU Mobile or FirstCap Connect?

NJFCU Mobile ships an update every 4 months, and FirstCap Connect every 4 months. Most recently, NJFCU Mobile was updated on September 24, 2026 and FirstCap Connect on July 23, 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.*