# DowneyFCU vs UMe Mobile

The clearest difference is rating: UMe Mobile at 4.8 against DowneyFCU's 2.6. UMe Mobile also leads on ratings volume (590 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.

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 590 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 23, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | DowneyFCU | UMe Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (14 ratings)](https://appshunter.io/ios/app/downeyfcu/id1220572008/reviews) | **[4.8 (590 ratings)](https://appshunter.io/ios/app/ume-mobile/id1661272268/reviews)** |
| Number of ratings | 14 | **590** |
| Positive reviews | **41.7% of reviews** | 30.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Free | Free |
| Size | 128 MB | 108 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Downey Federal Credit Union](https://appshunter.io/developer/1220572007) | [UMe Federal Credit Union](https://appshunter.io/developer/811607759) |

## What reviewers say

### DowneyFCU

[App page](https://appshunter.io/ios/app/downeyfcu/id1220572008)

Access your Downey Federal Credit Union accounts on the go. Manage your finances, view transactions, and transfer funds securely from your mobile device.

**Highlights:** Mobile banking access, Account management, Transaction viewing, Fund transfers, Secure access

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

**In-app purchases:** none


### UMe Mobile

[App page](https://appshunter.io/ios/app/ume-mobile/id1661272268)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy and convenient transaction completion
- 💰 Saves time and money on travel to physical branches
- 💡 New features make online banking easier
- 👍 Customizable dashboard and improved layout
- 🤝 Excellent customer service and hospitality

**What reviewers complain about**

- 🔐 Excessive authentication requirements with verification codes
- 🐛 App frequently gets stuck on screens with unclickable buttons
- 😤 Confusing and poor user interface design
- 💸 Hidden monthly fees for statement delivery
- 🔄 Lost functionality from previous app version

**Reported bugs**

- 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

**Requested features**

- Return of Emu (alpaca) mascot character
- Improved pending transaction visibility
- Better integration with direct deposit display
- Simplified authentication process


## Frequently asked questions

### Is DowneyFCU free?

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

### Is UMe Mobile free?

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

### Which has better reviews, DowneyFCU or UMe Mobile?

UMe Mobile is rated higher. DowneyFCU averages 2.6 out of 5 from 14 ratings, while UMe Mobile averages 4.8 from 590 ratings.

### Do DowneyFCU or UMe Mobile have ads?

Neither DowneyFCU nor UMe Mobile shows ads.

### Which is updated more often, DowneyFCU or UMe Mobile?

DowneyFCU ships an update monthly, and UMe Mobile fortnightly. Most recently, DowneyFCU was updated on October 23, 2026 and UMe Mobile on October 24, 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.*