ICCU vs ACU Cards
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ICCU
Manage your credit and debit cards with ease. Instantly turn cards on or off, set spending limits, and restrict transaction types. Receive alerts for card activity and view your transaction history for complete financial control.
- Turn cards on/off
- Location-based transaction restrictions
- Enable/disable online/international transactions
- Set spending limits
- Set alerts for transactions
- View transaction history
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Card Control – Stay in control of all your ICCU credit and debit cards with CardControl. •Turn your card on and off with a simple touch. When turned off, all purchases and ATM transactions will be declined until you turn the card on again. This is great peace of mind if your card is ever lost or stolen. • Restrict transactions to merchants within a certain area of your location using your phone's GPS. • Enable and disable online and international transactions. • Set spending limits by dollar amount, merchant categories, and more. • Set spending limits for children or other card users. • Set up alerts to notify you when your card is used, when a transaction exceeds your guidelines, or when a transaction has been declined. • View your transaction history and account balance. • And more. To learn more, visit ICCU.com.
ACU Cards
Securely manage your credit and debit cards on the go. Instantly turn cards on or off, set up account alerts, and find ATMs. This app complements your existing mobile banking for enhanced card control.
- Turn cards on/off
- Set up account alerts
- ATM locator
- Secure login
- Card control
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Easily and securely access your ACU Visa credit and debit cards anytime, anywhere all from your phone! With the ACU Card app from America’s Credit Union, A Federal Credit Union, you can put more card controls in your hands. For the ACU card app, you will create a new username and password. Use this app in addition to ACU Mobile Banking app to get the most benefit out of your card. Once you’ve created a secure username, passcode and have loaded your ACU credit or debit card, you’ll have access to: • Turn your card on/off if you misplace it • Set up and manage your account alerts to help you monitor your account activity
Screenshots
Verdict
The clearest difference is rating: ACU Cards at 4.7 against ICCU's 4.0. ACU Cards also leads on review sentiment (33% vs 23%). ICCU's advantage is iOS requirement (14.0 vs 16.0). On price, ratings volume, update cadence and ads 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.
ACU Cards holds the better App Store score, 4.7 against 4.0. Both are backed by a comparable volume of ratings — 157 and 54 respectively. Written reviews point the same way: 23% of ICCU's written reviews are positive against 33% of ACU Cards's.
ICCU ships an update every 12 months, ACU Cards every 9 months. Both last shipped on November 2, 2026.
| Parameter | ICCU | ACU Cards |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (157 ratings) | 4.7 (54 ratings) — better |
| Positive reviews | 22.6% of reviews | 33.3% of reviews — better |
| Number of ratings | 157 — better | 54 |
| Update frequency | Every 12 months | Every 9 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 14.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 86 MB | 72 MB |
| Age rating | 4+ | 4+ |
| Developer | Idaho Central Credit Union | America's Credit Union |
Customer experience
ICCU
ACU Cards
Bugs and requests
ICCU
Reported bugs
20 issues- App crashes when needed
- Endless loop when updating PIN with MFA
- Card controls do not work
- Blank screen on app launch
- App requires launching main app first
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- Face ID requires two launches
- App does not update frequently
- Cannot see checking and routing number easily
- Does not work on iPad Mini 5th gen
- Card Control crashes Mobile Banking app
- Card Control not on menu
- App glitches and won't open
- Service error when communicating with service
- Cannot transfer between apps
- App makes user open banking app then card control
- Login screen doesn't work
- Username/password not recognized
- Cannot register
- Server unreachable message
- Denies charges within limit
Requested features
5 requests- Ability to nickname cards
- Merge into a single ICCU app
- Travel plan options within main app
- UI improvements
- One app for all features
ACU Cards
Not enough reviews yet to summarise bugs or requests.
In-app purchases
ICCU
No in-app purchases
ACU Cards
No in-app purchases
Questions
Is ICCU free?
Is ACU Cards free?
Which has better reviews, ICCU or ACU Cards?
Do ICCU or ACU Cards have ads?
Which is updated more often, ICCU or ACU Cards?
Other comparisons
