Comparison

PSECU Mobile vs Memento

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PSECU Mobile

Manage your finances with a digital-first credit union app. Easily move money, control your cards, and access free financial tools like credit score monitoring and bill pay. Enjoy banking focused on your needs.

Highlights
  • Instant money transfers between accounts
  • External account transfers
  • Send money with Zelle®
  • Mobile check deposit
  • Card locking and replacement
  • Travel plan notifications
  • Free credit score monitoring
Features
Read full description

As a digital-first credit union, we use the latest (and most secure!) technology available to meet your banking needs on your terms. The PSECU Mobile app provides everyday convenience, real-time access, and top-notch features for our members. Get Your Money Where It Needs to Go - Instantly move money between PSECU shares and loans. - Bring money into your PSECU account with our external account transfer service. - Send money to people you know and trust, typically in minutes between enrolled users, with Zelle®. - Snap and go! Use mobile deposit to easily deposit checks and save a trip to an ATM or branch. Control Your Cards with Just a Few Taps - Misplaced your card? Lock it the moment you notice it's missing. You can also order a new one! - Planning a trip? Enter travel plans to avoid interruptions in service. - Making a large purchase? Temporarily increase your daily limit for ATM withdrawals or purchases. - Transfer high-interest debt to a PSECU credit card to save on interest with our Visa® Balance Transfer rates. Members Can Take Advantage of Free Services - Enroll in our free credit score service* to receive monthly updates on your score. - Sign up for free account alerts to stay on top of account activity. - Automate bill payments using our free bill payer service. - Find surcharge-free ATMs near you. Add Additional Savings Products - Take advantage of our competitive savings rates and add a certificate or other savings share to your PSECU account. Enjoy Banking That’s Focused on YOU - As a not-for-profit credit union, we exist to serve our members. That means listening to your feedback and ensuring you have the best banking experience possible. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. * PSECU is not a credit reporting agency. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint owners are not eligible. Insured by NCUA.

About

Memento

Features
Read full description

Life moves fast. Don't let the moments that matter slip by. Memento helps you remember every birthday, anniversary, and special occasion for the people you love or do business with. No more last-minute scrambles or forgotten dates. Make lasting impressions. Your Personal Celebration Calendar See all your important dates at a glance. Birthdays, anniversaries, client gifts, holidays: beautifully organized in one place. Smart Reminders Get notified weeks, days, or hours ahead. You choose when and how often. Never be caught off guard again. Gift Tracking Record what you've given, snap photos of gifts and receipts, and track your spending. See your generosity grow over time. Discover More Reasons to Celebrate From Pi Day to Summer Solstice, find fun holidays and moments worth celebrating together. Insights That Matter see who you've spoiled the most, track yearly spending trends, and celebrate your own generosity moments. Memento isn't just an app, it's your commitment to showing up for the people who matter most. Licensing Agreement/ Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

PSECU Mobile4 screens
Memento4 screens

Verdict

The call

The clearest difference is in-app purchases: PSECU Mobile at none against Memento's 2. Memento's advantage is update cadence (every 5 days vs every 3 weeks). On price, ads, device support and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Memento sells 2 in-app purchases, starting at $3.99 per month. PSECU Mobile asks for nothing beyond the download.

UpkeepUpdate frequency

PSECU Mobile ships an update every 3 weeks, Memento every 5 days. The most recent releases landed on November 1, 2026 and October 3, 2026 respectively.

Scorecard2 real differences · 8 level
PSECU Mobile versus Memento: the parameters behind the verdict, then further details
ParameterPSECU MobileMemento
PriceFreeFree
Rating4.8 (33K ratings) — better—
Positive reviews60.7% of reviews—
Number of ratings33K — better—
Update frequencyEvery 3 weeksEvery 5 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size196 MB47 MB
Age rating4+12+
DeveloperPennsylvania State Employees Credit UnionBenjamin Dunks Campbell

Bugs and requests

PSECU Mobile

Reported bugs

3 issues
  • Login screen freezes and account lockouts
  • Inability to complete mobile check deposits
  • Inconsistent app performance across devices

Requested features

4 requests
  • Ability to quickly switch between accounts
  • Detailed transaction history and balance information
  • Dark mode option for better visibility
  • Improved widget functionality

Memento

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

PSECU Mobile

No in-app purchases

2 purchases

Memento

Subscriptions2
  • Memento Premium Access (Monthly)$3.991 Month
  • Memento Premium (Yearly)$29.991 Year

Questions

Is PSECU Mobile free?
PSECU Mobile is free to download, with no in-app purchases.
Is Memento free?
Memento is free to download, with in-app purchases available.
Do PSECU Mobile or Memento have ads?
Neither PSECU Mobile nor Memento shows ads.
Which is updated more often, PSECU Mobile or Memento?
PSECU Mobile ships an update every 3 weeks, and Memento every 5 days. Most recently, PSECU Mobile was updated on November 1, 2026 and Memento on October 3, 2026.

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