OnPoint Mobile vs CTS Assistant
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
OnPoint Mobile
Manage your finances securely on the go. Check balances, transfer funds, pay bills, and deposit checks remotely. Business members can also manage users and generate ACH payments.
- Secure sign-in with biometrics
- Bill management and payments
- Send money to contacts
- Account fund transfers
- Card management (travel notifications, freeze)
- Mobile check deposit
- Transaction search and eStatements
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One app for all members - Securely and safely check balances, transfer funds, view transactions and more anywhere, anytime. With OnPoint Mobile you can: • Sign in securely with Touch ID and Face ID (on supported devices). • Manage your bills and pay almost anyone, schedule recurring bill payments and receive eBills. • Send money to anyone in the U.S. with a phone number or email address. • Transfer funds between your OnPoint accounts and your accounts at other financial institutions. • Set travel notifications for your OnPoint debit or credit cards. • Freeze your OnPoint debit or credit card (for peace of mind or if lost or misplaced). • Deposit checks without the need to visit a branch or ATM. • View cleared check images and mobile deposit check images. • Customize account nicknames, preferences, and alerts. • Search transactions to quickly and easily find a specific transaction without endless scrolling. • View eStatements. Additionally, business members can: • Add entitled users and set and control their access rights and limits. • Generate ACH payments, such as payroll. (ACH Agreement required prior to using ACH payment services.)
CTS Assistant
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CTS Assistant is a closing cost app that provides you with the tools you need for your next listing and when meeting with prospective buyers. It is designed for Real Estate Professionals with calculators, customizable marketing materials and quick access to generate buyer estimates and seller net sheets. Key features include: Helpful Calculators: Monthly affordability, renting vs. buying, loan qualifier and sell to net. Buyer and Seller Net Sheets: Easily generate net sheets to understand the costs of buying or selling a home. Save Net Sheets and Estimates: Sort through and access previous net sheets and estimates. Easily Share Generated Net Sheets: Quickly generate net sheets to print or share via email or text. Fully Customized Marketing Materials: Create custom marketing materials for buyers or sellers. Training Tutorials to Get Started: Learn how to get started and utilize the app to its full potential.
Screenshots
Verdict
The clearest difference is update cadence: CTS Assistant at every 3 weeks against OnPoint Mobile's every 2 months. On price, ads, in-app purchases and device support 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.
OnPoint Mobile ships an update every 2 months, CTS Assistant every 3 weeks. The most recent releases landed on October 16, 2026 and October 7, 2026 respectively.
| Parameter | OnPoint Mobile | CTS Assistant |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (24K ratings) — better | — |
| Positive reviews | 88.5% of reviews | — |
| Number of ratings | 24K — better | — |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 133 MB | 124 MB |
| Age rating | 4+ | 4+ |
| Developer | OnPoint Community Credit Union | Western Auxiliary Corporation |
Bugs and requests
OnPoint Mobile
Reported bugs
4 issues- Mobile app crashes and freezes
- Inconsistent behavior when switching between app and website
- Transactions disappearing from account history
- Unreliable mobile deposit process
Requested features
4 requests- Add option to change default mobile deposit category
- Improve bill pay functionality with better scheduling and tracking
- Allow users to rearrange account order and hide unused accounts
- Implement real-time transaction updates and pending indicators
CTS Assistant
Not enough reviews yet to summarise bugs or requests.
In-app purchases
OnPoint Mobile
No in-app purchases
CTS Assistant
No in-app purchases
Questions
Is OnPoint Mobile free?
Is CTS Assistant free?
Do OnPoint Mobile or CTS Assistant have ads?
Which is updated more often, OnPoint Mobile or CTS Assistant?
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