# HB Direct vs CoCreateFinance

The clearest difference is update cadence: CoCreateFinance at every 3 months against HB Direct's every 13 months. CoCreateFinance also leads on iOS requirement (13.4 vs 16.6). 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.

HB Direct ships an update every 13 months, CoCreateFinance every 3 months. The most recent releases landed on September 21, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | HB Direct | CoCreateFinance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.9 (11 ratings)](https://appshunter.io/ios/app/hb-direct/id1495386989/reviews)** | — |
| Number of ratings | **11** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 13 months | **Every 3 months** |
| Monetization | Free | — |
| Size | 12 MB | 38 MB |
| Requires iOS | 16.6 | **13.4** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Heritage Bank](https://appshunter.io/developer/468086130) | [CoCreate Financial LLC](https://appshunter.io/developer/1736942788) |

## What reviewers say

### HB Direct

[App page](https://appshunter.io/ios/app/hb-direct/id1495386989)

Safely access and manage your business accounts on the go. Initiate payments, view balances and activity, transfer funds, and make mobile deposits with this secure mobile banking solution.

**Highlights:** Initiate and approve payments, View account balances, View account activity, Transfer funds, Make mobile deposits

**Features:** macOS Compatibility

**In-app purchases:** none


### CoCreateFinance

[App page](https://appshunter.io/ios/app/cocreatefinance/id6479699154)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is HB Direct free?

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

### Is CoCreateFinance free?

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

### Do HB Direct or CoCreateFinance have ads?

Neither HB Direct nor CoCreateFinance shows ads.

### Which is updated more often, HB Direct or CoCreateFinance?

HB Direct ships an update every 13 months, and CoCreateFinance every 3 months. Most recently, HB Direct was updated on September 21, 2026 and CoCreateFinance on September 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.*