HCB Mobile vs ECU Cards
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
HCB Mobile
Manage your finances conveniently from your mobile device. Check balances, transfer funds, pay bills, and deposit checks with ease. Find nearby branches and ATMs.
- Check account balances
- Search recent transactions
- Transfer funds between accounts
- Schedule bill payments
- Deposit checks remotely
- Find branch and ATM locations
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Start banking wherever you are with HCB Mobile for mobile banking. Available to all Heritage Community Bank online banking customers, HCB Mobile allows you to check balances, make transfers, pay bills, make deposits, and check locations. Available features include: Accounts - Check your latest account balance and search recent transactions by date, amount, or check number. Transfers - Easily transfer cash between your accounts. Bill Pay - Schedule one time payments. Check Deposit - Deposit checks while on the go. Locations - Check for Branch/ATM locations near you. All features may not be available in the tablet application.
ECU Cards
Manage your credit union debit and credit cards with instant control. Lock/unlock cards, set transaction limits, receive alerts, and manage payment options. Access account balances and rewards points directly from your mobile device.
- Lock and unlock cards instantly
- Set transaction limits
- Receive instant transaction alerts
- Link cards to mobile wallets
- Check account balances
- Activate new cards
- Manage travel status
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Securely manage your Eastman Credit Union cards from anywhere, at any time, with the ECU Cards App! As a companion to the ECU Mobile App, the ECU Cards App gives you instant control of your debit and credit cards no matter where you are. Experience alerting options, advanced card management, convenient account access, and more, all from your mobile device. Discover these great benefits of using the ECU Cards App: • Easily check account balances • Instantly lock and unlock your cards • Link your cards to Apple Pay, Google Pay, or Samsung Pay • Set up and receive instant transaction alerts • Set transaction limits • Change your PIN (must know your current PIN) • Activate new cards • Decline international, online, and ATM transactions • Place your cards in travel status • Check your available rewards point balances and connect directly to the rewards site to redeem your points • Update your information related to your cards *You will need to create a new username and password the first time you access the ECU Cards App. Continued use of GPS running in the background can decrease battery life
Screenshots
Verdict
The clearest difference is rating: ECU Cards at 4.9 against HCB Mobile's 4.3. ECU Cards also leads on review sentiment (61% vs 33%) and ratings volume (2.7K vs 78). HCB Mobile's advantage is update cadence (monthly vs every 8 months) and device support (3 vs 1). 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.
ECU Cards holds the better App Store score, 4.9 against 4.3. That said, the two scores are not equally well evidenced: ECU Cards has 2.7K ratings behind it against 78, so its average is the more settled of the two. Written reviews point the same way: 33% of HCB Mobile's written reviews are positive against 61% of ECU Cards's.
HCB Mobile ships an update monthly, ECU Cards every 8 months. The most recent releases landed on November 2, 2026 and November 6, 2026 respectively.
| Parameter | HCB Mobile | ECU Cards |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (78 ratings) | 4.9 (2.7K ratings) — better |
| Positive reviews | 33.3% of reviews | 60.6% of reviews — better |
| Number of ratings | 78 | 2.7K — better |
| Update frequency | Monthly — better | Every 8 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 148 MB | 72 MB |
| Age rating | 4+ | 4+ |
| Developer | Heritage Community Bank of TN | Eastman Credit Union |
Customer experience
HCB Mobile
ECU Cards
Bugs and requests
HCB Mobile
Not enough reviews yet to summarise bugs or requests.
ECU Cards
Reported bugs
3 issues- Unable to add/access cards
- Frequent errors and crashes
- Sync issues between app and actual account
Requested features
3 requests- Bring back quick balance check
- Integrate card controls into main app
- Improve app stability and reliability
In-app purchases
HCB Mobile
No in-app purchases
ECU Cards
No in-app purchases
Questions
Is HCB Mobile free?
Is ECU Cards free?
Which has better reviews, HCB Mobile or ECU Cards?
Do HCB Mobile or ECU Cards have ads?
Which is updated more often, HCB Mobile or ECU Cards?
Other comparisons
