# Citizens Financial vs CentricCU

The clearest difference is update cadence: CentricCU at every 3 weeks against Citizens Financial's every 3 months. Citizens Financial's advantage is iOS requirement (13.0 vs 18.4). 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.

Citizens Financial ships an update every 3 months, CentricCU every 3 weeks. The most recent releases landed on October 26, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Citizens Financial | CentricCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.8 (3.7K ratings)](https://appshunter.io/ios/app/centriccu/id6737481156/reviews)** |
| Number of ratings | — | **3.7K** |
| Positive reviews | — | 62.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | — | Ad-supported |
| Size | 11 MB | 196 MB |
| Requires iOS | **13.0** | 18.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Citizens Financial](https://appshunter.io/developer/1439947808) | [Centric FCU](https://appshunter.io/developer/501819971) |

## What reviewers say

### Citizens Financial

[App page](https://appshunter.io/ios/app/citizens-financial/id1439947809)

**Features:** macOS Compatibility

**In-app purchases:** none


### CentricCU

[App page](https://appshunter.io/ios/app/centriccu/id6737481156)

Manage your finances conveniently on the go. This app allows you to check accounts, transfer funds, pay bills, and deposit checks. It also offers budgeting tools and credit report viewing for comprehensive financial management.

**Highlights:** Check account balances, Transfer funds, Pay bills, Deposit checks, View credit report, Budgeting tools

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Enhanced features
- 👍 User-friendly app
- 💡 Budgeting tools and insights
- 👍 Efficient for banking needs
- 👍 Clean and intuitive design

**What reviewers complain about**

- 🐛 Unlock card issue
- 🐛 Money disappearing and new charges
- 🐛 Accounts not accessible for days
- 👎 Overly complicated and hard to navigate

**Reported bugs**

- Login screen freezes
- Incompatible with older devices

**Requested features**

- Dark mode option
- Improved Zelle integration


## Frequently asked questions

### Is Citizens Financial free?

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

### Is CentricCU free?

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

### Do Citizens Financial or CentricCU have ads?

Neither Citizens Financial nor CentricCU shows ads.

### Which is updated more often, Citizens Financial or CentricCU?

Citizens Financial ships an update every 3 months, and CentricCU every 3 weeks. Most recently, Citizens Financial was updated on October 26, 2026 and CentricCU on October 30, 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.*