Comparison

Utah First Digital Banking vs Elevate401(k)

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

Head to head
About

Utah First Digital Banking

Manage all your financial accounts, from multiple institutions, in one place. Track transactions, set alerts, make payments, and deposit checks with ease. Secure your finances with advanced login options.

Highlights
  • Aggregate financial accounts
  • Organize transactions with tags and notes
  • Set balance alerts
  • Make payments and transfer money
  • Mobile check deposit
  • Debit card management
  • View monthly statements
  • Find branches and ATMs
Features
Read full description

Utah First Digital Banking 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 Utah First Digital Banking: -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. Download the app, launch it, and login with "first time user" option or use your existing username and password.

About

Elevate401(k)

Access your retirement account information conveniently and securely on your mobile device. Review balances, contributions, investments, and monitor for fraudulent activity. Features multi-factor authentication and in-app messaging.

Highlights
  • Mobile account access
  • View account investments
  • Convenient account monitoring
  • Secure access with biometrics
  • In-app messaging
Features
Read full description

The Elevate401k mobile app delivers a clean interface, optimized navigation, and biometric capabilities allowing quick, convenient, and secure access for participants to access their retirement account information on their mobile device. • Mobile Account Access: Easily review your account balance, current contribution information, and outstanding loan balances. • View Account Investments: Review your current investment elections, personal rate of return, and track performance. • Convenient Account Monitoring: Monitor your retirement account from anywhere to be vigilant against fraudulent activity. • Secure Access: Features Multifactor Authentication, including biometrics for secure account access. • Efficient Communication: Receive in-app messages from Elevate401(k)

Screenshots

Utah First Digital Banking4 screens
Elevate401(k)4 screens

Verdict

The call

The clearest difference is review sentiment: Utah First Digital Banking at 54% against Elevate401(k)'s 0%. Utah First Digital Banking also leads on rating (4.8 vs 2.9) and ratings volume (4.4K vs 8). Elevate401(k)'s advantage is monetization model (free vs free with in-app purchases) and iOS requirement (11.0 vs 18.4). On price, ads, in-app purchases and device support 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

Utah First Digital Banking holds the better App Store score, 4.8 against 2.9. That said, the two scores are not equally well evidenced: Utah First Digital Banking has 4.4K ratings behind it against 8, so its average is the more settled of the two. Written reviews point the same way: 54% of Utah First Digital Banking's written reviews are positive against 0% of Elevate401(k)'s.

UpkeepUpdate frequency

Utah First Digital Banking ships an update monthly, Elevate401(k) every 4 months. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

Scorecard6 real differences · 4 level
Utah First Digital Banking versus Elevate401(k): the parameters behind the verdict, then further details
ParameterUtah First Digital BankingElevate401(k)
PriceFreeFree
Rating4.8 (4.4K ratings) — better2.9 (8 ratings)
Positive reviews53.8% of reviews — better0.0% of reviews
Number of ratings4.4K — better8
Update frequencyMonthly — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.411.0 — better
Further details — not scored
Size197 MB22 MB
Age rating4+4+
DeveloperUtah First Federal Credit UnionUnited 401k Plans, Inc.

Customer experience

Utah First Digital Banking

All ratings4,389 ratings
Positive95.8%
Neutral1.4%
Negative2.8%
Written reviews65 reviews
Positive53.8%
Neutral6.2%
Negative40.0%

Elevate401(k)

All ratings4 ratings
Positive25.0%
Neutral0.0%
Negative75.0%
Written reviews4 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

Utah First Digital Banking

Reported bugs

3 issues
  • App crashes when trying to deposit checks
  • App closes when clicking on anything
  • App does not update transactions in real-time

Requested features

4 requests
  • Add auto-pay feature for credit cards
  • Allow previous iOS versions to use the app
  • Improve mobile deposit experience
  • Bring back old app layout and functionality

Elevate401(k)

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Utah First Digital Banking

No in-app purchases

None

Elevate401(k)

No in-app purchases

Questions

Is Utah First Digital Banking free?
Utah First Digital Banking is free to download, with no in-app purchases.
Is Elevate401(k) free?
Elevate401(k) is free to download, with no in-app purchases.
Which has better reviews, Utah First Digital Banking or Elevate401(k)?
Utah First Digital Banking is rated higher. Utah First Digital Banking averages 4.8 out of 5 from 4.4K ratings, while Elevate401(k) averages 2.9 from 8 ratings.
Do Utah First Digital Banking or Elevate401(k) have ads?
Neither Utah First Digital Banking nor Elevate401(k) shows ads.
Which is updated more often, Utah First Digital Banking or Elevate401(k)?
Utah First Digital Banking ships an update monthly, and Elevate401(k) every 4 months. Most recently, Utah First Digital Banking was updated on October 29, 2026 and Elevate401(k) on October 24, 2026.

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