PTOFCU vs Total Card
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PTOFCU
Manage your accounts conveniently 24/7 from your mobile device. Access account summaries, transfer funds, pay bills, and deposit checks remotely. Find nearby ATMs and branches with an integrated locator.
- Account Summary
- Fund Transfers
- Bill Payment
- Remote Deposit Capture
- ATM/Branch Locator
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The Patent and Trademark Office FCU you can now access your accounts 24/7 on the go. Features include Account Summary, Transfers, Account Information, Bill Pay, Remote Deposit Capture, ATM/Branch Locator, and more!
Total Card
Manage your Total Visa credit card account conveniently from your mobile device. Make payments, view transactions and statements, and check your available credit. Access free credit monitoring powered by TransUnion to track your score.
- Manage Total Visa account
- Make payments
- View transactions and statements
- Check available credit
- Free credit monitoring
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The Total Card app is for Total Visa cardholders to allow for a quick and easy way to manage their credit card account. Total Card Visa - restart your credit journey with us! TotalCardVisa.com Easily Manage your Total Visa account right from the mobile app! Make payments View transactions & statements Check available credit Check your score with free Credit Monitoring powered by TransUnion
Screenshots
Verdict
The clearest difference is rating: PTOFCU at 3.0 against Total Card's 2.1. Total Card's advantage is ratings volume (331 vs 2) and update cadence (monthly vs every 5 months). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PTOFCU holds the better App Store score, 3.0 against 2.1. That said, the two scores are not equally well evidenced: Total Card has 331 ratings behind it against 2, so its average is the more settled of the two.
PTOFCU ships an update every 5 months, Total Card monthly. Both last shipped on October 24, 2026.
| Parameter | PTOFCU | Total Card |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) — better | 2.1 (331 ratings) |
| Positive reviews | — | 9.8% of reviews |
| Number of ratings | 2 | 331 — better |
| Update frequency | Every 5 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 14.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 31 MB | 227 MB |
| Age rating | 4+ | 4+ |
| Developer | PTO FCU | Vervent, Inc |
Customer experience
PTOFCU
Total Card
Bugs and requests
PTOFCU
Not enough reviews yet to summarise bugs or requests.
Total Card
Reported bugs
4 issues- Face ID/biometrics not working consistently
- Login issues
- App crashes/freezes
- Payment processing problems
Requested features
2 requests- Keep biometric login
- Allow access to multiple accounts
In-app purchases
PTOFCU
No in-app purchases
Total Card
No in-app purchases
Questions
Is PTOFCU free?
Is Total Card free?
Which has better reviews, PTOFCU or Total Card?
Do PTOFCU or Total Card have ads?
Which is updated more often, PTOFCU or Total Card?
Other comparisons
