# PSECU Mobile vs Memento

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.

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.

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.

## The numbers

| Metric | PSECU Mobile | Memento |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (33K ratings)](https://appshunter.io/ios/app/psecu-mobile/id1235805501/reviews)** | — |
| Number of ratings | **33K** | — |
| Positive reviews | 60.7% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 5 days** |
| Monetization | Free | — |
| Size | 196 MB | 47 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 12+ |
| Developer | [Pennsylvania State Employees Credit Union](https://appshunter.io/developer/455068987) | [Benjamin Dunks Campbell](https://appshunter.io/developer/1866917099) |

## What reviewers say

### PSECU Mobile

[App page](https://appshunter.io/ios/app/psecu-mobile/id1235805501)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and responsive
- 🔒 Robust security features
- 👍 Intuitive and user-friendly
- 💡 Useful account insights
- 🚀 Improved app performance after reinstall

**What reviewers complain about**

- 🐛 Slow load times and unresponsive navigation
- 🐛 Frequent crashes and login issues
- 🐛 Compatibility problems with newer devices
- 🐛 Inconsistent handling of pending transactions
- 🐛 Buggy mobile deposit feature

**Reported bugs**

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

**Requested features**

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


### Memento

[App page](https://appshunter.io/ios/app/memento-gift-planner/id6757807619)

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Memento Premium Access (Monthly) | $3.99 | per month |
| Memento Premium (Yearly) | $29.99 | per year |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*