DowneyFCU vs UMe Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
DowneyFCU
Access your Downey Federal Credit Union accounts on the go. Manage your finances, view transactions, and transfer funds securely from your mobile device.
- Mobile banking access
- Account management
- Transaction viewing
- Fund transfers
- Secure access
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Mobile banking for DFCU
UMe Mobile
Manage your UMe Federal Credit Union accounts securely on the go. Perform transactions like mobile check deposits, bill payments, and money transfers. Enhanced card controls allow real-time management of your cards, including enabling/disabling and setting spending limits.
- View account activity and balances
- Deposit checks remotely
- Enhanced card controls (enable/disable, limits, travel notifications)
- Pay bills and send money with Zelle®
- Transfer funds and make bank-to-bank transfers
- Locate branches and ATMs
- Contact member service
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With the UMe Mobile App, U can safely and securely access your UMe accounts anytime, anywhere. UMe Mobile is easy to navigate and allows you to: - View Account Activity & Check Balances - Deposit Checks - Enjoy enhanced Card Controls, such as enable and disable your card(s) in real time, set spending limits, create travel notifications and control where your cards can be used - Pay Bills - Send Money with Zelle® - Transfer Funds - Make Bank-to-Bank Transfers - View & Print eStatements - Locate our Branch or a Fee-Free ATM - Contact UMe Member Service via Phone or Secure Messaging - Share UMe Mobile with Friends & Family Security Here at UMe, we take your security very seriously, which is why mobile deposits with our app are just as safe as deposits at an ATM or in our branch. Your photos are transmitted immediately to UMe and never stored on your device. And your account info is secured by encryption. Contact Us Please contact us at (818) 238-2900 if you have any questions about the UMe Mobile App.
Screenshots
Verdict
The clearest difference is rating: UMe Mobile at 4.8 against DowneyFCU's 2.6. UMe Mobile also leads on ratings volume (589 vs 14). DowneyFCU's advantage is review sentiment (42% vs 31%). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
UMe Mobile holds the better App Store score, 4.8 against 2.6. That said, the two scores are not equally well evidenced: UMe Mobile has 589 ratings behind it against 14, so its average is the more settled of the two. Written reviews complicate that: 42% of DowneyFCU's written reviews are positive against 31% of UMe Mobile's, so the app with the better star average is not the one people write more warmly about.
DowneyFCU ships an update monthly, UMe Mobile fortnightly. The most recent releases landed on October 15, 2026 and October 17, 2026 respectively.
| Parameter | DowneyFCU | UMe Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (14 ratings) | 4.8 (589 ratings) — better |
| Positive reviews | 41.7% of reviews — better | 30.8% of reviews |
| Number of ratings | 14 | 589 — better |
| Update frequency | Monthly | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 128 MB | 183 MB |
| Age rating | 4+ | 4+ |
| Developer | Downey Federal Credit Union | UMe Federal Credit Union |
Customer experience
DowneyFCU
UMe Mobile
Bugs and requests
DowneyFCU
Not enough reviews yet to summarise bugs or requests.
UMe Mobile
Reported bugs
8 issues- App stuck on verification code screen with unclickable button
- Notifications and alerts stopped working
- Login lockouts after app updates
- Verification code required every app launch
- Zelle sending option not functioning properly
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- Missing printer functions
- Occasional crashes and freezes
- External bank account links lost after app migration
Requested features
4 requests- Return of Emu (alpaca) mascot character
- Improved pending transaction visibility
- Better integration with direct deposit display
- Simplified authentication process
In-app purchases
DowneyFCU
No in-app purchases
UMe Mobile
No in-app purchases
Questions
Is DowneyFCU free?
Is UMe Mobile free?
Which has better reviews, DowneyFCU or UMe Mobile?
Do DowneyFCU or UMe Mobile have ads?
Which is updated more often, DowneyFCU or UMe Mobile?
Other comparisons
