OnPoint Mobile vs Bluestone Bank
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.)
Bluestone Bank
Manage your finances on the go with this banking app. Check balances, transfer funds, pay bills, and deposit checks securely from your mobile device. Receive alerts and customize your banking experience.
- Check account balances and transactions
- Transfer funds between accounts
- Pay bills conveniently
- Deposit checks remotely
- Card usage control
- Transaction and security alerts
- Biometric login
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Bank easily and securely anytime, anywhere with the Bluestone Bank Mobile app. Available to all Bluestone Bank customers, the app allows you to check balances, make transfers, pay bills, and deposit checks – all from your mobile phone or tablet! Features include: - Check your latest account balance and search recent transactions by date, amount, or check number - Transfer funds across multiple accounts, people, or banks - Pay bills conveniently using Bill Pay - Deposit checks anytime, anywhere using mobile check deposit - Control how and when your cards are used - Manage transaction, balance, and security alerts - Have notifications sent directly to your device via push alerts - Enable or disable biometric login access on your mobile device - Update your Login ID and Password - Set your preferences, including account information, statement delivery, the order you view your accounts, and accessibility features - Enroll your accounts to check balances and view recent transactions using your Apple Watch® - See updates to your credit score and access helpful financial tools through our partnership with SavvyMoney
Screenshots
Verdict
The clearest difference is review sentiment: OnPoint Mobile at 88% against Bluestone Bank's 47%. OnPoint Mobile also leads on rating (4.6 vs 4.1) and ratings volume (24K vs 233). Bluestone Bank's advantage is monetization model (free vs free with in-app purchases). 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.
OnPoint Mobile holds the better App Store score, 4.6 against 4.1. That said, the two scores are not equally well evidenced: OnPoint Mobile has 24K ratings behind it against 233, so its average is the more settled of the two. Written reviews point the same way: 88% of OnPoint Mobile's written reviews are positive against 47% of Bluestone Bank's.
OnPoint Mobile ships an update every 2 months, Bluestone Bank every 5 weeks. The most recent releases landed on September 26, 2026 and September 25, 2026 respectively.
| Parameter | OnPoint Mobile | Bluestone Bank |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (24K ratings) — better | 4.1 (233 ratings) |
| Positive reviews | 88.5% of reviews — better | 47.2% of reviews |
| Number of ratings | 24K — better | 233 |
| Update frequency | Every 2 months | Every 5 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, Apple Watch |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 133 MB | 56 MB |
| Age rating | 4+ | 4+ |
| Developer | OnPoint Community Credit Union | Bluestone Bank |
Customer experience
OnPoint Mobile
Bluestone Bank
User reviews
OnPoint Mobile
From 24K App Store ratingsWhat we love
- 👍 User-friendly app
- 🚀 Convenient mobile banking features
- 🔒 Robust security with biometric login
- 💡 Helpful customer service
Room to improve
- 🐛 Buggy mobile deposit feature
- ⏱️ Slow transaction updates
- 🔀 Confusing account management
- 🤔 Lack of customization options
Bluestone Bank
From 233 App Store ratingsWhat we love
- 👍 Easy to use
- 💡 Useful updates
- ⏱️ Save time
- 📱 Great for on-the-go access
- 🔒 Improved security features
Room to improve
- 🐛 Compatibility issues
- 🔍 Difficult navigation
- 🔕 Lack of notifications
- 🕰️ Delayed transaction updates
- 🔑 Password reset issues
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
Bluestone Bank
Reported bugs
3 issues- App crashes
- Slow loading times
- Account information display issues
Requested features
3 requests- PIN code support
- Dark mode option
- Improved account management
In-app purchases
OnPoint Mobile
No in-app purchases
Bluestone Bank
No in-app purchases
Questions
Is OnPoint Mobile free?
Is Bluestone Bank free?
Which has better reviews, OnPoint Mobile or Bluestone Bank?
Do OnPoint Mobile or Bluestone Bank have ads?
Which is updated more often, OnPoint Mobile or Bluestone Bank?
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