Comparison

PNC BeneFit Plus vs OnPoint Mobile

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PNC BeneFit Plus

Manage your health benefit accounts like HSA, HRA, and FSA on the go. Quickly check balances, view claims, and file reimbursements with secure, real-time access to your account details.

Highlights
  • Check account balances
  • View account details and charts
  • File claims for FSA and HRA
  • Submit receipts via photo
  • Manage HSA transactions
  • Pay bills and add payees
  • Report lost/stolen debit card
Features
Read full description

PNC BeneFit Plus Mobile for Apple Devices¹ Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply log in to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device • Your device will present you with a prompt to allow your location to be accessed; accepting the prompt will help minimize the request for additional security questions upon log in Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your medical FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Using the Dashboard, enter medical expense information and supporting documentation • Retrieve your forgotten username/password • Report a debit card as lost or stolen *This is not the PNC Mobile Banking app, which allows you to access your bank and brokerage accounts. For questions or support, call or email the PNC BeneFit Plus Customer Service Center at 844-356-9993 or pncbenefitplus@healthaccountservices.com No personal or sensitive data is stored on the PNC BeneFit Plus mobile app. ¹ PNC does not charge for the PNC BeneFit Plus Mobile App. However, a supported mobile device is needed. Also, your wireless carrier may charge you for data usage. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Apple®, iPod touch® and iPad® are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone® is a registered trademark of Apple Inc. PNC is a registered mark of The PNC Financial Services Group, Inc. (“PNC”). Banking and lending products and services, bank deposit products and treasury management services for clients and/or customers are provided by PNC Bank, National Association, a wholly-owned subsidiary of PNC and Member FDIC. ©2018 The PNC Financial Services Group, Inc. All rights reserved.

About

OnPoint Mobile

Manage your finances securely on the go. Check balances, transfer funds, pay bills, and deposit checks remotely. Business members can also manage users and generate ACH payments.

Highlights
  • Secure sign-in with biometrics
  • Bill management and payments
  • Send money to contacts
  • Account fund transfers
  • Card management (travel notifications, freeze)
  • Mobile check deposit
  • Transaction search and eStatements
Features
Read full description

One app for all members - Securely and safely check balances, transfer funds, view transactions and more anywhere, anytime. With OnPoint Mobile you can: • Sign in securely with Touch ID and Face ID (on supported devices). • Manage your bills and pay almost anyone, schedule recurring bill payments and receive eBills. • Send money to anyone in the U.S. with a phone number or email address. • Transfer funds between your OnPoint accounts and your accounts at other financial institutions. • Set travel notifications for your OnPoint debit or credit cards. • Freeze your OnPoint debit or credit card (for peace of mind or if lost or misplaced). • Deposit checks without the need to visit a branch or ATM. • View cleared check images and mobile deposit check images. • Customize account nicknames, preferences, and alerts. • Search transactions to quickly and easily find a specific transaction without endless scrolling. • View eStatements. Additionally, business members can: • Add entitled users and set and control their access rights and limits. • Generate ACH payments, such as payroll. (ACH Agreement required prior to using ACH payment services.)

Screenshots

PNC BeneFit Plus4 screens
OnPoint Mobile4 screens

Verdict

The call

The clearest difference is monetization model: PNC BeneFit Plus at free against OnPoint Mobile's free with in-app purchases. OnPoint Mobile's advantage is review sentiment (89% vs 64%) and ratings volume (25K vs 802). On price, update cadence, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

OnPoint Mobile holds the better App Store score, 4.6 against 4.4. That said, the two scores are not equally well evidenced: OnPoint Mobile has 25K ratings behind it against 802, so its average is the more settled of the two. Written reviews point the same way: 64% of PNC BeneFit Plus's written reviews are positive against 89% of OnPoint Mobile's.

UpkeepUpdate frequency

PNC BeneFit Plus ships an update every 3 months, OnPoint Mobile every 2 months. The most recent releases landed on October 23, 2026 and October 22, 2026 respectively.

Scorecard4 real differences · 6 level
PNC BeneFit Plus versus OnPoint Mobile: the parameters behind the verdict, then further details
ParameterPNC BeneFit PlusOnPoint Mobile
PriceFreeFree
Rating4.4 (802 ratings)4.6 (25K ratings) — better
Positive reviews64.1% of reviews88.6% of reviews — better
Number of ratings80225K — better
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, Apple Watch — better
Requires iOS17.016.0 — better
Further details — not scored
Size33 MB133 MB
Age rating17+4+
DeveloperPNC Bank, N.A.OnPoint Community Credit Union

Customer experience

PNC BeneFit Plus

All ratings795 ratings
Positive84.5%
Neutral1.8%
Negative13.7%
Written reviews128 reviews
Positive64.1%
Neutral7.0%
Negative28.9%

OnPoint Mobile

All ratings23,563 ratings
Positive91.6%
Neutral3.0%
Negative5.5%
Written reviews1,893 reviews
Positive88.6%
Neutral3.8%
Negative7.7%

User reviews

PNC BeneFit Plus

From 802 App Store ratings

What we love

  • 🚀 Quick and easy to use
  • 👍 User-friendly interface
  • 💡 Convenient for managing HSA
  • 🚀 Straightforward reimbursement process
  • 👍 Helpful for tracking expenses

Room to improve

  • 🐛 Login issues, inconsistent biometric authentication
  • 🐛 Slow and buggy app performance
  • 🔒 Concerns about security and account access
  • 🔍 Difficulties with claims and reimbursement approvals

OnPoint Mobile

From 25K App Store ratings

What we love

  • 👍 User-friendly app
  • 🚀 Convenient mobile banking features
  • 🔒 Robust security with biometric login
  • 💡 Helpful customer service

Room to improve

  • 🐛 Buggy mobile deposit feature
  • ⏱️ Slow transaction updates
  • 🔀 Confusing account management
  • 🤔 Lack of customization options

Bugs and requests

PNC BeneFit Plus

Reported bugs

3 issues
  • App crashes and freezes
  • Login credentials not saved properly
  • Debit card issues and declined payments

Requested features

3 requests
  • Ability to itemize payments to payees
  • Option to upload receipts immediately after charges
  • Improved investment tracking and management

OnPoint Mobile

Reported bugs

4 issues
  • Mobile app crashes and freezes
  • Inconsistent behavior when switching between app and website
  • Transactions disappearing from account history
  • Unreliable mobile deposit process

Requested features

4 requests
  • Add option to change default mobile deposit category
  • Improve bill pay functionality with better scheduling and tracking
  • Allow users to rearrange account order and hide unused accounts
  • Implement real-time transaction updates and pending indicators

In-app purchases

None

PNC BeneFit Plus

No in-app purchases

None

OnPoint Mobile

No in-app purchases

Questions

Is PNC BeneFit Plus free?
PNC BeneFit Plus is free to download, with no in-app purchases.
Is OnPoint Mobile free?
OnPoint Mobile is free to download, with no in-app purchases.
Which has better reviews, PNC BeneFit Plus or OnPoint Mobile?
OnPoint Mobile is rated higher. PNC BeneFit Plus averages 4.4 out of 5 from 802 ratings, while OnPoint Mobile averages 4.6 from 25K ratings.
Do PNC BeneFit Plus or OnPoint Mobile have ads?
Neither PNC BeneFit Plus nor OnPoint Mobile shows ads.
Which is updated more often, PNC BeneFit Plus or OnPoint Mobile?
PNC BeneFit Plus ships an update every 3 months, and OnPoint Mobile every 2 months. Most recently, PNC BeneFit Plus was updated on October 23, 2026 and OnPoint Mobile on October 22, 2026.

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