# Telhio Mobile Banking vs FirstCU Access

Telhio Mobile Banking and FirstCU Access both sit at 4.8 stars, but that hides the real split: 69% of FirstCU Access's written reviews are positive against 54% of Telhio Mobile Banking's. Telhio Mobile Banking's advantage is monetization model (ad-supported vs free with in-app purchases) and ratings volume (8.1K vs 1.1K). On price, rating, update cadence and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for Telhio Mobile Banking against 4.8 for FirstCU Access. That said, the two scores are not equally well evidenced: Telhio Mobile Banking has 8.1K ratings behind it against 1.1K, so its average is the more settled of the two. Written reviews are what separate them: 54% of Telhio Mobile Banking's written reviews are positive against 69% of FirstCU Access's.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 21, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | Telhio Mobile Banking | FirstCU Access |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (8.1K ratings)](https://appshunter.io/ios/app/telhio-mobile-banking/id1098798435/reviews)** | [4.8 (1.1K ratings)](https://appshunter.io/ios/app/firstcu-access/id1507775699/reviews) |
| Number of ratings | **8.1K** | 1.1K |
| Positive reviews | 54.4% of reviews | **69.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Size | 170 MB | 177 MB |
| Requires iOS | **16.0** | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Telhio Credit Union, INC.](https://appshunter.io/developer/680761475) | [First Service Federal Credit Union](https://appshunter.io/developer/489915437) |

## What reviewers say

### Telhio Mobile Banking

[App page](https://appshunter.io/ios/app/telhio-mobile-banking/id1098798435)

Manage your finances conveniently from your mobile device. Perform essential banking tasks like checking balances, transferring funds, and depositing checks. Stay connected with secure messaging for customer support.

**Highlights:** Check account balances, Transfer money between accounts, Make mobile check deposits, View transaction history, Send secure messages

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use interface
- 🚀 Comprehensive and lovely app
- 🔒 Robust security features
- 💡 Great integration with Face ID
- 👍 Slick and easy to navigate

**What reviewers complain about**

- 🐛 Occasional crashes and bugs
- 🔒 Complex passwords and verifications required
- 🔒 Cloudflare issues in a banking app
- 💸 Lots of full-screen ads and announcements
- 🐛 Portrait-only mode, no landscape support

**Reported bugs**

- App no longer functions after update
- Login issues with wrong credentials or account not found
- Inability to pay auto loan through the app
- Alerts not working as expected, delayed or missing
- Frequent crashes when trying to access bill pay

**Requested features**

- Add push notifications for deposits and transactions
- Improve bill pay experience with easier access
- Implement PIN login option for faster access
- Add dark mode and other customization options
- Provide more detailed transaction history and analytics


### FirstCU Access

[App page](https://appshunter.io/ios/app/firstcu-access/id1507775699)

Manage your finances on the go with this secure mobile banking app. Organize transactions with notes and photos, set balance alerts, make payments, transfer funds, and deposit checks remotely. Access statements and find nearby branches and ATMs.

**Highlights:** Organize transactions with tags, notes, and photos, Set up balance alerts, Make payments and transfer money, Deposit checks with photos, View and save monthly statements, Find branches and ATMs

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use features
- 💡 Convenient check deposit
- 🚀 Great customer service

**What reviewers complain about**

- 🐛 Inability to access account
- 🐛 Navigation issues
- 🐛 Frequent app updates required

**Reported bugs**

- Balances not visible during transfers
- Account verification printing not working

**Requested features**

- Ability to view credit card transactions
- Option to customize dashboard


## Frequently asked questions

### Is Telhio Mobile Banking free?

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

### Is FirstCU Access free?

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

### Which has better reviews, Telhio Mobile Banking or FirstCU Access?

Telhio Mobile Banking is rated higher. Telhio Mobile Banking averages 4.8 out of 5 from 8.1K ratings, while FirstCU Access averages 4.8 from 1.1K ratings.

### Do Telhio Mobile Banking or FirstCU Access have ads?

Neither Telhio Mobile Banking nor FirstCU Access shows ads.

### Which is updated more often, Telhio Mobile Banking or FirstCU Access?

Telhio Mobile Banking ships an update monthly, and FirstCU Access monthly. Most recently, Telhio Mobile Banking was updated on October 21, 2026 and FirstCU Access on October 18, 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.*