# SDFCU Digital Banking vs MySpendingBook

The clearest difference is update cadence: MySpendingBook at weekly against SDFCU Digital Banking's every 4 months. On price, ads, 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.

SDFCU Digital Banking ships an update every 4 months, MySpendingBook weekly. The most recent releases landed on November 2, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | SDFCU Digital Banking | MySpendingBook |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (8.2K ratings)](https://appshunter.io/ios/app/sdfcu-digital-banking/id1042339284/reviews)** | — |
| Number of ratings | **8.2K** | — |
| Positive reviews | 53.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Weekly** |
| Monetization | Free | — |
| Size | 26 MB | 42 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [State Department Federal Credit Union](https://appshunter.io/developer/506903336) | [Rajendra More](https://appshunter.io/developer/1866237207) |

## What reviewers say

### SDFCU Digital Banking

[App page](https://appshunter.io/ios/app/sdfcu-digital-banking/id1042339284)

Manage your finances conveniently and securely from anywhere. Monitor accounts, transfer funds, pay bills, and access banking services with ease. Stay in control of your money with just a few taps.

**Highlights:** Monitor accounts and set alerts, Transfer money between accounts, Deposit checks remotely, Pay bills and loans, Check credit score, Manage card preferences, Find ATMs and branches

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Intuitive and user-friendly
- 🚀 Fast and efficient
- 🔒 Secure banking experience
- 💳 Convenient Zelle transfers
- 📱 Helpful mobile app

**What reviewers complain about**

- 🐛 Frequent app crashes and errors
- 🔍 Navigation issues and poor UI
- 💳 Inaccurate account balances and credit card info
- 🤖 Unreliable mobile check deposit
- 🔧 Lack of customer support and unresponsive to issues

**Reported bugs**

- Login errors
- Mobile check deposit not working
- Rotating device issue for check deposit

**Requested features**

- Sign out feature
- Search function for bill pay
- Support for split-screen on tablets
- Instant credit card balance updates


### MySpendingBook

[App page](https://appshunter.io/ios/app/myspendingbook/id6757343749)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is SDFCU Digital Banking free?

SDFCU Digital Banking is free to download, with no in-app purchases.

### Is MySpendingBook free?

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

### Do SDFCU Digital Banking or MySpendingBook have ads?

Neither SDFCU Digital Banking nor MySpendingBook shows ads.

### Which is updated more often, SDFCU Digital Banking or MySpendingBook?

SDFCU Digital Banking ships an update every 4 months, and MySpendingBook weekly. Most recently, SDFCU Digital Banking was updated on November 2, 2026 and MySpendingBook on October 31, 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.*