# Utah First Digital Banking vs Elevate401(k)

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.

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

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.

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.

## The numbers

| Metric | Utah First Digital Banking | Elevate401(k) |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (4.4K ratings)](https://appshunter.io/ios/app/utah-first-digital-banking/id1476621398/reviews)** | [2.9 (8 ratings)](https://appshunter.io/ios/app/elevate401k/id1489130810/reviews) |
| Number of ratings | **4.4K** | 8 |
| Positive reviews | **53.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 4 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 197 MB | 22 MB |
| Requires iOS | 18.4 | **11.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Utah First Federal Credit Union](https://appshunter.io/developer/546176895) | [United 401k Plans, Inc.](https://appshunter.io/developer/1489130809) |

## What reviewers say

### Utah First Digital Banking

[App page](https://appshunter.io/ios/app/utah-first-digital-banking/id1476621398)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Up-to-date account information
- 👍 Solid app and customer service
- 👍 Helpful staff
- 👍 Convenient online banking

**What reviewers complain about**

- 🐛 App crashes when trying to deposit checks
- 🐛 App closes when clicking on anything
- 🐛 App does not update transactions in real-time
- 🐛 Mobile deposit is very picky with images and checks
- 🐛 App lacks key features like Zelle and digital card

**Reported bugs**

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

**Requested features**

- 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)

[App page](https://appshunter.io/ios/app/elevate401k/id1489130810)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*