# OnPoint Mobile vs Bluestone Bank

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.

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.

## The numbers

| Metric | OnPoint Mobile | Bluestone Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (24K ratings)](https://appshunter.io/ios/app/onpoint-mobile/id1243092558/reviews)** | [4.1 (233 ratings)](https://appshunter.io/ios/app/bluestone-bank/id6736845977/reviews) |
| Number of ratings | **24K** | 233 |
| Positive reviews | **88.5% of reviews** | 47.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 5 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 133 MB | 56 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [OnPoint Community Credit Union](https://appshunter.io/developer/464747630) | [Bluestone Bank](https://appshunter.io/developer/509327201) |

## What reviewers say

### OnPoint Mobile

[App page](https://appshunter.io/ios/app/onpoint-mobile/id1243092558)

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.

**Highlights:** 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

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly app
- 🚀 Convenient mobile banking features
- 🔒 Robust security with biometric login
- 💡 Helpful customer service

**What reviewers complain about**

- 🐛 Buggy mobile deposit feature
- ⏱️ Slow transaction updates
- 🔀 Confusing account management
- 🤔 Lack of customization options

**Reported bugs**

- Mobile app crashes and freezes
- Inconsistent behavior when switching between app and website
- Transactions disappearing from account history
- Unreliable mobile deposit process

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/bluestone-bank/id6736845977)

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.

**Highlights:** Check account balances and transactions, Transfer funds between accounts, Pay bills conveniently, Deposit checks remotely, Card usage control, Transaction and security alerts, Biometric login

**Features:** Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 💡 Useful updates
- ⏱️ Save time
- 📱 Great for on-the-go access
- 🔒 Improved security features

**What reviewers complain about**

- 🐛 Compatibility issues
- 🔍 Difficult navigation
- 🔕 Lack of notifications
- 🕰️ Delayed transaction updates
- 🔑 Password reset issues

**Reported bugs**

- App crashes
- Slow loading times
- Account information display issues

**Requested features**

- PIN code support
- Dark mode option
- Improved account management


## Frequently asked questions

### Is OnPoint Mobile free?

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

### Is Bluestone Bank free?

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

### Which has better reviews, OnPoint Mobile or Bluestone Bank?

OnPoint Mobile is rated higher. OnPoint Mobile averages 4.6 out of 5 from 24K ratings, while Bluestone Bank averages 4.1 from 233 ratings.

### Do OnPoint Mobile or Bluestone Bank have ads?

Neither OnPoint Mobile nor Bluestone Bank shows ads.

### Which is updated more often, OnPoint Mobile or Bluestone Bank?

OnPoint Mobile ships an update every 2 months, and Bluestone Bank every 5 weeks. Most recently, OnPoint Mobile was updated on September 26, 2026 and Bluestone Bank on September 25, 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.*