# MyFPCU vs UbayGO

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.

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.

## The numbers

| Metric | MyFPCU | UbayGO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (8.4K ratings)](https://appshunter.io/ios/app/myfpcu/id1474660587/reviews)** | [4.7 (943 ratings)](https://appshunter.io/ios/app/ubaygo/id6462514902/reviews) |
| Number of ratings | **8.4K** | 943 |
| Positive reviews | **61.2% of reviews** | 45.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 176 MB | 197 MB |
| Requires iOS | 18.4 | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 12+ | 12+ |
| Developer | [Financial Plus FCU](https://appshunter.io/developer/731070567) | [United Bay Community Credit Union](https://appshunter.io/developer/567832812) |

## What reviewers say

### MyFPCU

[App page](https://appshunter.io/ios/app/myfpcu/id1474660587)

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.

**Highlights:** 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

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient mobile banking
- 🚀 Quick and easy to use
- 💡 Helpful customer service
- 🚀 Smooth app operation

**What reviewers complain about**

- 🐛 Unreliable mobile deposit
- 🐛 Inaccurate account balances
- 🐛 Connectivity issues
- 🐛 Confusing navigation

**Reported bugs**

- Mobile deposit not working
- App lags behind in updating transactions
- Credit card activation errors
- Inability to access savings account

**Requested features**

- Ability to view mortgage transactions
- Option to receive paper statements
- Multi-account access on one device
- Dark mode option


### UbayGO

[App page](https://appshunter.io/ios/app/ubaygo/id6462514902)

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.

**Highlights:** 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

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is MyFPCU free?

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

### Is UbayGO free?

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

### Which has better reviews, MyFPCU or UbayGO?

MyFPCU is rated higher. MyFPCU averages 4.8 out of 5 from 8.4K ratings, while UbayGO averages 4.7 from 943 ratings.

### Do MyFPCU or UbayGO have ads?

Neither MyFPCU nor UbayGO shows ads.

### Which is updated more often, MyFPCU or UbayGO?

MyFPCU ships an update monthly, and UbayGO monthly. Most recently, MyFPCU was updated on October 14, 2026 and UbayGO on October 17, 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.*