Comparison

Security Service Mobile vs Citizens Pay

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

Head to head
About

Security Service Mobile

Manage your bank accounts securely from your mobile device. View balances, transfer funds, deposit checks, and pay bills with ease. Access helpful resources like branch locators and credit score information.

Highlights
  • View account balances and transactions
  • Transfer money between accounts
  • Deposit checks via mobile
  • Schedule and pay bills
  • Freeze/unfreeze debit and credit cards
  • Set up account alerts
  • Find branches and ATMs
Features
Read full description

Bank anywhere with Security Service Mobile. View your balance, transfer money, deposit checks, and pay bills in a few simple steps. It’s an easy, secure way to manage your accounts. Manage Your Accounts • View balances and transactions • Transfer money • Deposit checks • Set up alerts • Debit and credit card freeze/unfreeze • Set up a travel notice Make Payments & Transfers • Schedule, edit, or cancel payments with Bill Pay • Transfer money between your accounts • Set up credit card autopay • Send and receive money with Zelle® Helpful Resources • Branch and ATM locator • Direct access to your Power Protected Checking benefits • ID Monitoring access* • Credit score access* • Mobile phone claim access* *Power Protected Checking account holders only. Federally insured by NCUA. Standard data and text messaging rates may apply. Alerts are based upon the settings you establish. Mobile check deposit is subject to eligibility and qualification requirements. Most alerts are provided real-time, but some may not trigger an immediate alert. Security Service is not responsible for an alert not being sent or received. Standard data and text messaging rates may apply. Copyright © Security Service Federal Credit Union. All rights reserved. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

About

Citizens Pay

Manage your Citizens Pay accounts securely and conveniently from your mobile device. Access statements, schedule payments, and set up automatic payments. Stay informed about your account balance and transaction history.

Highlights
  • 24/7 secure account access
  • Paperless PDF statements
  • Schedule one-time payments
  • Set up Auto Pay
  • View account balance
  • Track transaction history
Features
Read full description

Ready to manage your Citizens Pay accounts – anytime, anywhere – from the convenience of your mobile device! Enjoy all of these benefits: - 24/7 secure access to your Citizens Pay accounts in one place. - Go paperless with immediate access to your PDF statements. - Schedule a seamless one-time payment at any time, day or night. - Turn on Auto Pay to pay your monthly installment automatically from your bank account. - Stay on top of your account balance, transaction history, and purchase balance at any time.

Screenshots

Security Service Mobile4 screens
Citizens Pay3 screens

Verdict

The call

The clearest difference is rating: Citizens Pay at 4.9 against Security Service Mobile's 2.6. Citizens Pay also leads on review sentiment (42% vs 7%) and ratings volume (15K vs 1.2K). On price, update cadence, ads and in-app purchases 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

Citizens Pay holds the better App Store score, 4.9 against 2.6. That said, the two scores are not equally well evidenced: Citizens Pay has 15K ratings behind it against 1.2K, so its average is the more settled of the two. Written reviews point the same way: 7% of Security Service Mobile's written reviews are positive against 42% of Citizens Pay's.

UpkeepUpdate frequency

Security Service Mobile ships an update every 3 months, Citizens Pay every 6 weeks. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.

Scorecard3 real differences · 7 level
Security Service Mobile versus Citizens Pay: the parameters behind the verdict, then further details
ParameterSecurity Service MobileCitizens Pay
PriceFreeFree
Rating2.6 (1.2K ratings)4.9 (15K ratings) — better
Positive reviews7.3% of reviews41.7% of reviews — better
Number of ratings1.2K15K — better
Update frequencyEvery 3 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad, iPod
Requires iOS15.614.0 — better
Further details — not scored
Size47 MB79 MB
Age rating4+4+
DeveloperSecurity Service Federal Credit UnionCitizens Bank, N.A.

Customer experience

Security Service Mobile

All ratings1,167 ratings
Positive36.1%
Neutral5.7%
Negative58.3%
Written reviews205 reviews
Positive7.3%
Neutral8.3%
Negative84.4%

Citizens Pay

All ratings15,032 ratings
Positive97.7%
Neutral1.3%
Negative1.0%
Written reviews84 reviews
Positive41.7%
Neutral4.8%
Negative53.6%

User reviews

Security Service Mobile

From 1.2K App Store ratings

What we love

  • 👍 Works great
  • 🚀 Seamless and intuitive
  • 💡 Awesome mobile deposit feature

Room to improve

  • 🐛 Constant login issues
  • 🐛 Unreliable and frequently crashes
  • 🐛 Slow and unresponsive
  • 🐛 Buggy after updates
  • 🐛 Cannot log in or access accounts

Citizens Pay

From 15K App Store ratings

What we love

  • 💳 Easy and convenient payment
  • 🕰️ Able to pay early or set up auto-pay
  • 👍 Seamless application process
  • 🙏 Understanding and patient with customers

Room to improve

  • 🐛 App freezes or crashes frequently
  • 🔑 Login issues, unable to log in
  • 🤖 Widget doesn't work in dark mode
  • 🔒 Unethical practices to charge fees

Bugs and requests

Security Service Mobile

Reported bugs

5 issues
  • Login screen freezes
  • Face ID/biometrics not working consistently
  • Delayed or missing transaction updates
  • Incorrect account balances shown
  • Mobile check deposit not functioning properly

Requested features

6 requests
  • Dark mode option
  • Ability to transfer between family member accounts
  • Improve transaction details and history
  • Better organization and customization of accounts
  • Streamline login and authentication process
Show 1 more
  • Improve mobile check deposit functionality

Citizens Pay

Reported bugs

4 issues
  • Login screen freezes or shows errors
  • App not compatible with latest iOS versions
  • Blank screens and server errors
  • Can't make more than minimum payment with auto-pay

Requested features

4 requests
  • Add Face ID or biometric login
  • Allow pasting passwords
  • Show payment details after making a payment
  • Improve app stability and performance

In-app purchases

None

Security Service Mobile

No in-app purchases

None

Citizens Pay

No in-app purchases

Questions

Is Security Service Mobile free?
Security Service Mobile is free to download, with no in-app purchases.
Is Citizens Pay free?
Citizens Pay is free to download, with no in-app purchases.
Which has better reviews, Security Service Mobile or Citizens Pay?
Citizens Pay is rated higher. Security Service Mobile averages 2.6 out of 5 from 1.2K ratings, while Citizens Pay averages 4.9 from 15K ratings.
Do Security Service Mobile or Citizens Pay have ads?
Neither Security Service Mobile nor Citizens Pay shows ads.
Which is updated more often, Security Service Mobile or Citizens Pay?
Security Service Mobile ships an update every 3 months, and Citizens Pay every 6 weeks. Most recently, Security Service Mobile was updated on October 24, 2026 and Citizens Pay on October 27, 2026.

Other comparisons