Affinity Plus Mobile Banking vs TopLine Financial Credit Union
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Affinity Plus Mobile Banking
Manage your finances with comprehensive tools for budgeting, spending analysis, and savings goals. Securely handle payments, activate cards, and monitor your credit score. Supports business accounts with advanced reporting and user access controls.
- Budget tracking
- Net worth calculation
- Digital wallet integration
- Card activation and replacement
- Spending analysis
- Savings goals
- Credit score monitoring
- Check deposit
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The Affinity Plus mobile banking app is loaded with features to make banking and managing your money as easy as possible. • Budgets: Set and track monthly budgets for different categories. • Net Worth: Track how your account balances compare to what you owe. • Add your card to your digital wallet for quick and secure payments on the go. • When you request a replacement card through the app, you’ll get a digital version to use right away. • Activate your new debit or credit card without having to call. • Spending Analysis: See how much you’re spending, and what you’re spending it on. • Cash Flow: Track the net amount of what’s coming in vs. going out. • Savings Goals: Set a goal amount and target date, and watch your progress. • On your dashboard, you decide which accounts and features appear, and where. • Choose Spanish as your preferred language. • Link to your external accounts with the Connect button on your dashboard, and see their balances along with your Affinity Plus accounts. • Choose from a variety of Multi-factor Authentication (MFA) options by going to Menu>Settings>Security>Authentication. • Get better transaction details, with the ability to edit their name and category for easier tracking. • Business Owners and Authorized Signers can give specific account access to other staff members. • Also for Business members: Use filters to create the reports you want, and download them as the file type you need. • Deposit checks from anywhere by taking their picture with the app. • With Stash Your Cash on the Transfer screen, you can set a checking account to round up all debit card purchases to the next whole dollar, then automatically transfer the difference to your savings. • Get security alerts, and choose from up to 16 Account Alerts that help you keep track of your savings, checking, and loans with reminders and confirmations that you can customize. • Easily switch between profiles that you add by going to Menu>Settings>Manage Other Profiles. • For extra security, peace of mind, and help with budgeting, use Card Controls & Alerts to set spending limits (per transaction or monthly) for your debit and credit cards; or just get transaction alerts for awareness. • On your dashboard, get free and easy access to your credit score, your full credit report, daily credit monitoring for fraud protection, and tips on keeping a great credit rating. • Go into any of your accounts to find your MyPlus Rewards points, and to redeem them for gift cards, travel, and more. • Enroll in Bill Pay from the app, and see your eBill amounts and due dates. • iPad Multitasking so you can split your screen and use another app at the same time. • On the Transfer screen, add another member’s account so you can transfer to them; or share a code with them so they can transfer to you. • Use Balance Transfer to easily bring an external credit card balance over to your Affinity Plus credit card. • Manage all your personal, credit card and business accounts and loans, and even view your Affinity Plus mortgage. • Find nearby ATMs and branches right from the login screen. • Contact us for help. • Get a pre-login peek at balances with Quick Balance (found on the Menu screen). • Manage Bill Pay. • Log in fast with Touch ID® or Face ID®. • Check recent transactions and initiate new ones. • Schedule and edit one-time or recurring transfers. • Apply for loans and credit cards, or open another account. ©2025 Affinity Plus Federal Credit Union 175 West Lafayette Frontage Road St. Paul, MN 55107 This credit union is federally insured by the National Credit Union Administration, and is an Equal Housing Lender.
TopLine Financial Credit Union
Manage your finances conveniently and securely on the go. Access account balances, view transactions, and make transfers. Deposit checks remotely by simply snapping a photo.
- Check account balances
- View transaction history
- Make transfers
- Pay bills
- Apply for loans
- Remote check deposit
- Find ATMs and shared branches
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TopLine’s mobile banking is free, safe and a secure way to conduct your banking on the go anytime. Check your balances, view transactions, make transfers, pay bills, apply for loans, find fee-free ATMs, locate nationwide credit union shared branches and much more—all from your phone! Plus you can conveniently deposit your checks remotely, snap a photo of your check and submit it electronically.
Screenshots
Verdict
Affinity Plus Mobile Banking and TopLine Financial Credit Union both sit at 4.8 stars, but that hides the real split: 68% of Affinity Plus Mobile Banking's written reviews are positive against 43% of TopLine Financial Credit Union's. Affinity Plus Mobile Banking also leads on monetization model (free vs free with in-app purchases) and ratings volume (65K vs 1.4K). On price, rating, update cadence and ads 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.
On the App Store both sit at effectively the same score — 4.8 for Affinity Plus Mobile Banking against 4.8 for TopLine Financial Credit Union. That said, the two scores are not equally well evidenced: Affinity Plus Mobile Banking has 65K ratings behind it against 1.4K, so its average is the more settled of the two. Written reviews are what separate them: 68% of Affinity Plus Mobile Banking's written reviews are positive against 43% of TopLine Financial Credit Union's.
Affinity Plus Mobile Banking ships an update every 2 months, TopLine Financial Credit Union monthly. The most recent releases landed on September 24, 2026 and September 21, 2026 respectively.
| Parameter | Affinity Plus Mobile Banking | TopLine Financial Credit Union |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (65K ratings) — better | 4.8 (1.4K ratings) |
| Positive reviews | 68.1% of reviews — better | 42.9% of reviews |
| Number of ratings | 65K — better | 1.4K |
| Update frequency | Every 2 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 33 MB | 180 MB |
| Age rating | 4+ | 4+ |
| Developer | Affinity Plus Federal Credit Union | TopLine Financial Credit Union |
Customer experience
Affinity Plus Mobile Banking
TopLine Financial Credit Union
User reviews
Affinity Plus Mobile Banking
From 65K App Store ratingsWhat we love
- 👍 Convenient and user-friendly
- 🚀 Efficient mobile banking experience
- 🔒 Secure login options (e.g., Face ID, Touch ID)
- 💡 Helpful account management features
- 🚀 Quick check deposit process
Room to improve
- 🐛 Frequent app crashes and glitches
- 🤔 Confusing new interface design
- 🤦♀️ Removed or hidden key functionality (e.g., scheduled principal payments)
- 🔍 Difficult to navigate and find information
- 🕰️ Slow app performance and loading times
TopLine Financial Credit Union
From 1.4K App Store ratingsWhat we love
- 👍 Excellent customer service
- 🚀 Convenient mobile banking
- 💡 Supports latest technologies (e.g., Face ID)
Room to improve
- 🐛 Frequent app crashes and bugs
- 🔒 Difficult password reset process
- ⏱️ Slow app performance and loading times
- 📍 Inaccurate branch locator
Bugs and requests
Affinity Plus Mobile Banking
Reported bugs
5 issues- App frequently crashes when trying to deposit checks
- Login issues and inability to reset password
- Pending transactions not showing correctly
- Inconsistent app behavior across devices
- Inability to access certain account features
Requested features
5 requests- Add dark mode option
- Improve mobile check deposit reliability
- Allow easier toggling between multiple accounts
- Streamline login and authentication process
- Provide more customization options
TopLine Financial Credit Union
Reported bugs
3 issues- Account summary page always blank
- App not loading after login
- Fingerprint login not working
Requested features
3 requests- Integrate Zelle for faster money transfers
- Improve mobile check deposit functionality
- Add landscape mode support for tablets
In-app purchases
Affinity Plus Mobile Banking
No in-app purchases
TopLine Financial Credit Union
No in-app purchases
Questions
Is Affinity Plus Mobile Banking free?
Is TopLine Financial Credit Union free?
Which has better reviews, Affinity Plus Mobile Banking or TopLine Financial Credit Union?
Do Affinity Plus Mobile Banking or TopLine Financial Credit Union have ads?
Which is updated more often, Affinity Plus Mobile Banking or TopLine Financial Credit Union?
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