# PTOFCU vs Total Card

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.

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.

## The numbers

| Metric | PTOFCU | Total Card |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (2 ratings)](https://appshunter.io/ios/app/ptofcu/id1030944930/reviews)** | [2.1 (331 ratings)](https://appshunter.io/ios/app/total-card/id1574751566/reviews) |
| Number of ratings | 2 | **331** |
| Positive reviews | — | 9.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | Free | Free |
| Size | 31 MB | 227 MB |
| Requires iOS | 14.0 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PTO FCU](https://appshunter.io/developer/1261914646) | [Vervent, Inc](https://appshunter.io/developer/1574751568) |

## What reviewers say

### PTOFCU

[App page](https://appshunter.io/ios/app/ptofcu/id1030944930)

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.

**Highlights:** Account Summary, Fund Transfers, Bill Payment, Remote Deposit Capture, ATM/Branch Locator

**Features:** macOS Compatibility

**In-app purchases:** none


### Total Card

[App page](https://appshunter.io/ios/app/total-card/id1574751566)

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.

**Highlights:** Manage Total Visa account, Make payments, View transactions and statements, Check available credit, Free credit monitoring

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

**In-app purchases:** none

**What reviewers like**

- 🙏🏾 Pretty fair
- 💎 Awesome
- 🧗🏾‍♀️ Excellent

**What reviewers complain about**

- 🗑️ Trash app
- 🔒 Can't lock card
- 🚫 App Not Working
- 🚫 DON'T FALL FOR THESE SCAMMERS
- 💰 Bad card worse app

**Reported bugs**

- Face ID/biometrics not working consistently
- Login issues
- App crashes/freezes
- Payment processing problems

**Requested features**

- Keep biometric login
- Allow access to multiple accounts


## Frequently asked questions

### Is PTOFCU free?

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

### Is Total Card free?

Total Card is free to download, with no in-app purchases.

### Which has better reviews, PTOFCU or Total Card?

PTOFCU is rated higher. PTOFCU averages 3.0 out of 5 from 2 ratings, while Total Card averages 2.1 from 331 ratings.

### Do PTOFCU or Total Card have ads?

Neither PTOFCU nor Total Card shows ads.

### Which is updated more often, PTOFCU or Total Card?

PTOFCU ships an update every 5 months, and Total Card monthly. Most recently, PTOFCU was updated on October 24, 2026 and Total Card on October 24, 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.*