Comparison

MyCOBenefits vs Westerra CU

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

MyCOBenefits

Manage your food and cash assistance benefits securely from your phone. Apply for programs, update your information, view EBT card details, and find local services. Access nutrition tips and workforce program information.

Highlights
  • Apply for food and cash benefits
  • Complete recertification
  • Update household and income information
  • View EBT card balance and transactions
  • Manage workforce program appointments
  • Find local social services offices
Features
Read full description

The MyCOBenefits App provides a simple and secure way to manage your Food (SNAP) and Cash assistance benefits right from your phone. You can apply for benefits, manage your PEAK account, complete your recertification, request supportive payments, and view your current EBT card balance and transactions. You can sign-in using your PEAK credentials. If you do not have a PEAK account, you can register either through the MyCOBenefits App or by visiting www.colorado.gov/PEAK Apply for benefits • Apply for food and cash programs • Upload verification documents • Sign-In with PEAK credentials to save the application for later submission • Submit the application with minimal information Complete Your Recertification • Submit your food and cash recertification and upload verification documents • Update household member details, income, expense and resource changes • Save recertification data for later submission Keep Your Information Up to Date • Update your contact information including address, email and phone number • Add or remove your household members • Add or remove jobs, update your income and upload your pay stub Find Your Benefits Information • View your current food and cash benefit details • Know about your upcoming redetermination • View the current expenses and resources • Check your application status View Your EBT Card • Quickly view the current EBT card balance • View EBT card transactions • Change PIN • Request a replacement card • Freeze card when not in use Participate in Workforce Programs • View upcoming appointments and add to the calendar • Request supportive payments and an appointment reschedule • View sanctions and re-engagement information SNAP-Ed • View SNAP-Ed nutrition tips and providers information • Search for nearest Cooking Matters Colorado classes Find the Human/Social Services Offices and Workforce Centers • Search for nearest Human/Social Services Office and Workforce Centers in the map • Filter by distance from current location and get directions • Provide ratings Safety and Security • To help keep your information safe, never share your username and password About Food and Cash Assistance The Supplemental Nutrition Assistance Program (SNAP) is a Food Assistance program in Colorado, formerly known as Food Stamps. SNAP provides food assistance benefits as part of a federal nutrition program to help low-income households purchase food. Electronic Benefit Transfer (EBT) cards are issued to receive the SNAP benefits for a household. Colorado Works, also known as Temporary Assistance for Needy Families (TANF), provides a cash benefit to low-income families which include children (or a pregnancy). The program offers a wide array of supports including ongoing cash assistance, help with emergency expenses, education, job preparation and employment services. Adult Financial Programs provide cash assistance to low-income Colorado residents under various programs. Old Age Pension (OAP) provides a cash benefit to low-income adults ages 60 years or older. Aid to the Needy Disabled – Colorado Supplement (AND-CS) provides cash assistance to those 0-59 years of age who are receiving SSI due to a disability or blindness but are not receiving the full SSI grant amount. Aid to the Needy Disabled – State Only (AND-SO) provides interim assistance for those aged 18-59 years with a disability that prevents them from working and who have not been approved for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI).

About

Westerra CU

Manage your money on the go with this secure digital banking app. View balances, transfer funds, pay bills, deposit checks, and analyze spending. Receive notifications and find ATMs.

Highlights
  • View account balances and history
  • Transfer funds
  • Pay bills and people
  • Mobile check deposit
  • Spending analysis
  • Notifications
  • Secure messaging
Features
Read full description

Easily manage your finances with the free and secure Westerra Digital Banking app.* FEATURES • View account balances and history • Transfer funds • Pay bills and people • Deposit checks right from your mobile device • Access spending analysis • Receive balance and transaction notifications • Send secure messages and attachments • Find free ATMs and shared branches Have questions about the Westerra Digital Banking app? Please call 303-321-4209, 1-800-858-7212 or visit WesterraCU.com. *Your mobile carrier's message and data rates may apply. Federally Insured by NCUA. Equal Housing Opportunity. See WesterraCU.com for full disclosures.

Screenshots

MyCOBenefits4 screens
Westerra CU4 screens

Verdict

The call

The clearest difference is review sentiment: MyCOBenefits at 67% against Westerra CU's 12%. MyCOBenefits also leads on rating (4.5 vs 2.7) and ratings volume (5.5K vs 203). Westerra CU's advantage is device support (3 vs 1) and iOS requirement (15.0 vs 18.0). 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

MyCOBenefits holds the better App Store score, 4.5 against 2.7. That said, the two scores are not equally well evidenced: MyCOBenefits has 5.5K ratings behind it against 203, so its average is the more settled of the two. Written reviews point the same way: 67% of MyCOBenefits's written reviews are positive against 12% of Westerra CU's.

UpkeepUpdate frequency

MyCOBenefits ships an update monthly, Westerra CU every 3 weeks. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

Scorecard5 real differences · 5 level
MyCOBenefits versus Westerra CU: the parameters behind the verdict, then further details
ParameterMyCOBenefitsWesterra CU
PriceFreeFree
Rating4.5 (5.5K ratings) — better2.7 (203 ratings)
Positive reviews67.1% of reviews — better12.1% of reviews
Number of ratings5.5K — better203
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS18.015.0 — better
Further details — not scored
Size93 MB383 MB
Age rating4+4+
DeveloperState of ColoradoWesterra Credit Union

Customer experience

MyCOBenefits

All ratings5,524 ratings
Positive87.6%
Neutral3.4%
Negative9.0%
Written reviews152 reviews
Positive67.1%
Neutral8.6%
Negative24.3%

Westerra CU

All ratings203 ratings
Positive37.9%
Neutral7.4%
Negative54.7%
Written reviews124 reviews
Positive12.1%
Neutral4.0%
Negative83.9%

User reviews

MyCOBenefits

From 5.5K App Store ratings

What we love

  • 🚀 Convenient and easy to use
  • 🔒 Secure login options
  • 👍 User-friendly interface
  • 💡 Helpful for checking balances and benefits
  • 👍 Streamlines application and recertification process

Room to improve

  • 🐛 Frequent crashes and glitches
  • 🐛 Login issues and password reset problems
  • 🐛 Slow loading times
  • 🐛 Inconsistent functionality between app and website
  • 🔋 High battery consumption

Westerra CU

From 203 App Store ratings

What we love

  • 🚀 Easy to use app
  • 👍 User-friendly interface
  • 💡 Ability to view all accounts with one login
  • 🚀 Clean and fast app

Room to improve

  • 🐛 Frequent login issues
  • 🐛 Unreliable app performance
  • 🐛 Inability to access accounts
  • 🐛 Buggy check deposit feature
  • 🐛 Lack of real-time balance updates

Bugs and requests

MyCOBenefits

Reported bugs

4 issues
  • Citizenship details screen not functioning properly
  • Blank screens and crashes on login
  • Inability to access previous applications
  • Notifications not always showing up in a timely manner

Requested features

5 requests
  • Ability to apply and recertify directly through the app
  • Improved document upload and correspondence features
  • Integration with other state services
  • Facial recognition or biometric login options
  • Offline access and syncing capabilities

Westerra CU

Reported bugs

4 issues
  • App crashes frequently
  • Scheduled transfers not working
  • Incorrect account balances displayed
  • Login credentials not recognized

Requested features

4 requests
  • Add Zelle integration
  • Improve bill pay functionality
  • Allow customization of account order
  • Provide more detailed transaction information

In-app purchases

None

MyCOBenefits

No in-app purchases

None

Westerra CU

No in-app purchases

Questions

Is MyCOBenefits free?
MyCOBenefits is free to download, with no in-app purchases.
Is Westerra CU free?
Westerra CU is free to download, with no in-app purchases.
Which has better reviews, MyCOBenefits or Westerra CU?
MyCOBenefits is rated higher. MyCOBenefits averages 4.5 out of 5 from 5.5K ratings, while Westerra CU averages 2.7 from 203 ratings.
Do MyCOBenefits or Westerra CU have ads?
Neither MyCOBenefits nor Westerra CU shows ads.
Which is updated more often, MyCOBenefits or Westerra CU?
MyCOBenefits ships an update monthly, and Westerra CU every 3 weeks. Most recently, MyCOBenefits was updated on November 6, 2026 and Westerra CU on November 7, 2026.

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