# MyPCU vs EF BOLT

The clearest difference is update cadence: EF BOLT at monthly against MyPCU's every 4 months. MyPCU's advantage is device support (4 vs 2). On price, ads, in-app purchases and iOS requirement there is nothing between them.

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

MyPCU ships an update every 4 months, EF BOLT monthly. The most recent releases landed on October 24, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | MyPCU | EF BOLT |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (586 ratings)](https://appshunter.io/ios/app/mypcu/id1533966676/reviews)** | — |
| Number of ratings | **586** | — |
| Positive reviews | 14.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | Free | — |
| Size | 68 MB | 33 MB |
| Requires iOS | **15.6** | 16.6 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Peninsula Credit Union](https://appshunter.io/developer/657602197) | [U.S. Bancorp](https://appshunter.io/developer/458734630) |

## What reviewers say

### MyPCU

[App page](https://appshunter.io/ios/app/mypcu/id1533966676)

Manage your finances on the go with this mobile banking application. Access account balances, transaction history, and transfer funds.  Deposit checks, pay bills, and find nearby branches.

**Highlights:** Check account balance, Pay bills, View transaction history, Transfer funds, Deposit checks, Find branches, Manage alerts

**Features:** Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 🚀 Internal transfers are quick and simple
- 👍 App was good previously

**What reviewers complain about**

- 🐛 App is very glitchy
- 🐛 App is buggy and terrible
- 🐛 App has so many errors
- 🐛 App disables Face ID and requires frequent password/challenge question logins
- 🐛 App makes it difficult to deposit checks by requiring challenge questions

**Reported bugs**

- App is very glitchy
- App is buggy and terrible
- App has so many errors
- App disables Face ID and requires frequent password/challenge question logins
- App makes it difficult to deposit checks by requiring challenge questions

**Requested features**

- Fix app update issues on phones
- Fix app not opening on iOS 16.4
- Fix app not opening on iOS 14.5
- Increase mobile deposit limit for businesses
- Remove or improve verification code process for businesses


### EF BOLT

[App page](https://appshunter.io/ios/app/ef-bolt/id6779702562)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is MyPCU free?

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

### Is EF BOLT free?

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

### Do MyPCU or EF BOLT have ads?

Neither MyPCU nor EF BOLT shows ads.

### Which is updated more often, MyPCU or EF BOLT?

MyPCU ships an update every 4 months, and EF BOLT monthly. Most recently, MyPCU was updated on October 24, 2026 and EF BOLT on October 20, 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.*