# BHCCU vs OCB Banking

The clearest difference is monetization model: OCB Banking at free against BHCCU's free with in-app purchases. OCB Banking also leads on review sentiment (83% vs 62%) and iOS requirement (16.0 vs 18.4). BHCCU's advantage is update cadence (monthly vs every 3 months) and rating (4.8 vs 4.5). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

BHCCU holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: BHCCU has 4.4K ratings behind it against 321, so its average is the more settled of the two. Written reviews complicate that: 62% of BHCCU's written reviews are positive against 83% of OCB Banking's, so the app with the better star average is not the one people write more warmly about.

BHCCU ships an update monthly, OCB Banking every 3 months. The most recent releases landed on November 6, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | BHCCU | OCB Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (4.4K ratings)](https://appshunter.io/ios/app/bhccu/id1345751358/reviews)** | [4.5 (321 ratings)](https://appshunter.io/ios/app/ocb-banking/id6472083312/reviews) |
| Number of ratings | **4.4K** | 321 |
| Positive reviews | 62.1% of reviews | **82.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 3 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 196 MB | 117 MB |
| Requires iOS | 18.4 | **16.0** |
| Devices | iPhone, iPad | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 17+ |
| Developer | [Blackhawk Community CU](https://appshunter.io/developer/583179124) | [One Community Bank](https://appshunter.io/developer/1708473351) |

## What reviewers say

### BHCCU

[App page](https://appshunter.io/ios/app/bhccu/id1345751358)

Manage all your financial accounts from different institutions in one place. Organize transactions, set alerts, make payments, and transfer funds easily. Features include mobile check deposit, card management, and budgeting tools.

**Highlights:** Aggregate financial accounts, Organize transactions with tags and notes, Set balance alerts, Make payments and transfer money, Mobile check deposit, Debit card management, Budgeting tools

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient
- 🚀 Smooth and easy to use
- 🤝 Great customer service
- 💯 Awesome service and great community

**What reviewers complain about**

- 🐛 App always down or needs update
- 🐛 Can't get into the app due to errors
- 🐛 Remote deposit issues
- 🔒 Tedious passcode requirements
- 🔍 Clunky interface compared to previous app

**Reported bugs**

- App doesn't recognize password
- Can't transfer money between accounts
- Transactions not showing up in the app
- Older iOS versions not supported

**Requested features**

- View statements in the app
- Increase payment/transfer limits
- Add Zelle integration
- Provide transaction notifications


### OCB Banking

[App page](https://appshunter.io/ios/app/ocb-banking/id6472083312)

Manage your finances on the go with this mobile banking application. Check balances, transfer funds, make payments, and view transactions securely from anywhere. It offers a comprehensive solution for both personal and business banking needs.

**Highlights:** Check account balances, View recent transactions, Transfer funds between accounts, Make deposits, Pay bills, Check credit score, Find ATM/ITM locations

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Convenient and easy to navigate
- 👍 Very user friendly
- 👍 Functional and comprehensive
- 👍 Helpful for managing finances

**What reviewers complain about**

- 🐛 Slow update of account balances
- 🐛 Difficulty monitoring credit card
- 🐛 Confusing credit card bill search
- 🐛 Limited functionality
- 🐛 Limited customization

**Reported bugs**

- Password reset required frequently
- Keyboard does not appear for login fields
- Cannot deposit checks on iPad version
- App freezes
- App is down

**Requested features**

- Make accessing Zelle easier from the Home Screen
- Direct credit card access within the app
- Improve credit card bill search functionality
- Add a checkbox next to each transaction for ledger tracking
- Improve password management and login process


## Frequently asked questions

### Is BHCCU free?

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

### Is OCB Banking free?

OCB Banking is free to download, with no in-app purchases.

### Which has better reviews, BHCCU or OCB Banking?

BHCCU is rated higher. BHCCU averages 4.8 out of 5 from 4.4K ratings, while OCB Banking averages 4.5 from 321 ratings.

### Do BHCCU or OCB Banking have ads?

Neither BHCCU nor OCB Banking shows ads.

### Which is updated more often, BHCCU or OCB Banking?

BHCCU ships an update monthly, and OCB Banking every 3 months. Most recently, BHCCU was updated on November 6, 2026 and OCB Banking on November 4, 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.*