# accessOPTIMA® Mobile vs Insperity 401k

The clearest difference is update cadence: accessOPTIMA® Mobile at every 3 months against Insperity 401k's every 11 months. accessOPTIMA® Mobile also leads on iOS requirement (12.0 vs 16.6). On price, rating, review sentiment and ratings volume there is nothing between them.

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

accessOPTIMA® Mobile holds the better App Store score, 1.7 against 1.5. Both are backed by a comparable volume of ratings — 18 and 14 respectively. Written reviews complicate that: 13% of accessOPTIMA® Mobile's written reviews are positive against 14% of Insperity 401k's, so the app with the better star average is not the one people write more warmly about.

accessOPTIMA® Mobile ships an update every 3 months, Insperity 401k every 11 months. The most recent releases landed on October 6, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | accessOPTIMA® Mobile | Insperity 401k |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.7 (18 ratings)](https://appshunter.io/ios/app/accessoptima-mobile/id1447897255/reviews)** | [1.5 (14 ratings)](https://appshunter.io/ios/app/insperity-401k/id1663009238/reviews) |
| Number of ratings | **18** | 14 |
| Positive reviews | 12.5% of reviews | **14.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 11 months |
| Monetization | Free | Free |
| Size | 19 MB | 28 MB |
| Requires iOS | **12.0** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Citizens Bank, N.A.](https://appshunter.io/developer/388082491) | [Insperity, Inc.](https://appshunter.io/developer/674606952) |

## What reviewers say

### accessOPTIMA® Mobile

[App page](https://appshunter.io/ios/app/accessoptima-mobile/id1447897255)

This digital treasury management platform provides a centralized hub for accessing account information and tools to manage daily cash flow and optimize long-term cash management strategies. It offers real-time reporting, integrated payment workflows, and live customer support.

**Highlights:** Customizable dashboard, Integrated payment center, Real-time reporting, Responsive design, Live chat support, Administrative controls, Financial activity alerts

**Features:** macOS Compatibility

**In-app purchases:** none


### Insperity 401k

[App page](https://appshunter.io/ios/app/insperity-401k/id1663009238)

Access your 401(k) account details and plan information on the go. View balances, contributions, rates of return, and loan information. Stay informed about plan news and alerts with secure access.

**Highlights:** View account balances, Check current rate of return, Monitor contribution rates, Review loan balances, Access plan news and alerts, Secure mobile access

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is accessOPTIMA® Mobile free?

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

### Is Insperity 401k free?

Insperity 401k is free to download, with no in-app purchases.

### Which has better reviews, accessOPTIMA® Mobile or Insperity 401k?

accessOPTIMA® Mobile is rated higher. accessOPTIMA® Mobile averages 1.7 out of 5 from 18 ratings, while Insperity 401k averages 1.5 from 14 ratings.

### Do accessOPTIMA® Mobile or Insperity 401k have ads?

Neither accessOPTIMA® Mobile nor Insperity 401k shows ads.

### Which is updated more often, accessOPTIMA® Mobile or Insperity 401k?

accessOPTIMA® Mobile ships an update every 3 months, and Insperity 401k every 11 months. Most recently, accessOPTIMA® Mobile was updated on October 6, 2026 and Insperity 401k on October 1, 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.*