MyFPCU vs UbayGO
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MyFPCU
Manage all your financial accounts, from various institutions, in one secure place. Organize transactions with tags and photos, set balance alerts, and make payments or transfers. Deposit checks remotely, manage your debit card, and find nearby branches and ATMs.
- Aggregate accounts from other banks
- Organize transactions with tags and photos
- Set balance alerts
- Make payments and transfers
- Mobile check deposit
- Debit card management
- Find branches and ATMs
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Financial Plus Credit Union is your personal financial advocate that gives you the ability to aggregate all of your financial accounts, including accounts from other banks and credit unions, into a single view. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with Financial Plus Credit Union: -Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. -Set up alerts so you know when your balance drops below a certain amount -Make payments, whether you’re paying a company or a friend -Transfer money between your accounts -Deposit checks in a snap by taking a picture of the front and back -Reorder your debit card or turn it off if you’ve misplaced it -View and save your monthly statements -Find branches and ATMs near you Secure your account with a 4-digit passcode and fingerprint or face reader on supported devices. To use the MyFPCU app, you must be enrolled as a Financial Plus Credit Union digital banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials.
UbayGO
Manage your finances conveniently from anywhere, anytime. Organize transactions with notes and photos, set balance alerts, and make payments or transfers. Deposit checks instantly, manage your debit card, and view statements.
- Organize transactions with tags, notes, and photos
- Set balance alerts
- Make payments and transfer money
- Deposit checks via photo
- Manage debit card
- View and save statements
- Aggregate financial accounts
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UbayGO affords you all the conveniences of a Ubay branch with the added benefit of being accessible from anywhere and at any time. It’s fast, secure, and makes life easier by empowering you with the tools you need to manage your finances with ease. With UbayGO, you can… - Keep your transactions organized by adding tags, notes, and photos of receipts and checks - Set up alerts so you know when your balance drops below a certain amount - Make payments, whether you’re paying a company or a friend - Transfer money between your accounts - Deposit checks in a snap by taking a picture of the check’s front and back - Reorder your debit card or turn it off if you’ve misplaced it - View and save your monthly statements - Find branches and ATMs near you - Aggregate your financial accounts - Secure your account with a 4-digit passcode or biometric on supported devices
Screenshots
Verdict
MyFPCU and UbayGO both sit at 4.8 stars, but that hides the real split: 61% of MyFPCU's written reviews are positive against 45% of UbayGO's. MyFPCU also leads on ratings volume (8.4K vs 943). UbayGO's advantage is monetization model (ad-supported vs free with in-app purchases). 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 MyFPCU against 4.7 for UbayGO. That said, the two scores are not equally well evidenced: MyFPCU has 8.4K ratings behind it against 943, so its average is the more settled of the two. Written reviews are what separate them: 61% of MyFPCU's written reviews are positive against 45% of UbayGO's.
Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 14, 2026 and October 17, 2026 respectively.
| Parameter | MyFPCU | UbayGO |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (8.4K ratings) — better | 4.7 (943 ratings) |
| Positive reviews | 61.2% of reviews — better | 45.5% of reviews |
| Number of ratings | 8.4K — better | 943 |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Ad-supported — better |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18.4 | 18.4 |
| Further details — not scored | ||
| Size | 176 MB | 197 MB |
| Age rating | 12+ | 12+ |
| Developer | Financial Plus FCU | United Bay Community Credit Union |
Customer experience
MyFPCU
UbayGO
Bugs and requests
MyFPCU
Reported bugs
4 issues- Mobile deposit not working
- App lags behind in updating transactions
- Credit card activation errors
- Inability to access savings account
Requested features
4 requests- Ability to view mortgage transactions
- Option to receive paper statements
- Multi-account access on one device
- Dark mode option
UbayGO
Not enough reviews yet to summarise bugs or requests.
In-app purchases
MyFPCU
No in-app purchases
UbayGO
No in-app purchases
Questions
Is MyFPCU free?
Is UbayGO free?
Which has better reviews, MyFPCU or UbayGO?
Do MyFPCU or UbayGO have ads?
Which is updated more often, MyFPCU or UbayGO?
Other comparisons
