Comparison

Security Service Mobile vs Proficient ONE

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

Proficient ONE

Manage your benefit accounts like HSAs, FSAs, and HRAs with ease. View balances, submit claims by scanning, make quick payments, and receive instant notifications.

Highlights
  • Benefit account management
  • Scan-to-enter claims
  • Fast payments
  • Instant notices
  • Account balance viewing
Features
Read full description

Your money, faster. It’s never been easier to use your benefit accounts – HSAs FSAs HRAs, and more. Everything you need, all right here: account balances, scan-to-enter claims (no typing!), fast payments, and instant notices.

Screenshots

Security Service Mobile4 screens
Proficient ONE4 screens

Verdict

The call

The clearest difference is review sentiment: Proficient ONE at 75% against Security Service Mobile's 7%. Proficient ONE also leads on rating (4.9 vs 2.6) and update cadence (monthly vs every 3 months). Security Service Mobile's advantage is ratings volume (1.2K vs 78) and monetization model (free vs ad-supported). On price, ads, in-app purchases and iOS requirement 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

Proficient ONE holds the better App Store score, 4.9 against 2.6. That said, the two scores are not equally well evidenced: Security Service Mobile has 1.2K ratings behind it against 78, 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 75% of Proficient ONE's.

UpkeepUpdate frequency

Security Service Mobile ships an update every 3 months, Proficient ONE monthly. The most recent releases landed on October 20, 2026 and October 11, 2026 respectively.

Scorecard6 real differences · 4 level
Security Service Mobile versus Proficient ONE: the parameters behind the verdict, then further details
ParameterSecurity Service MobileProficient ONE
PriceFreeFree
Rating2.6 (1.2K ratings)4.9 (78 ratings) — better
Positive reviews7.3% of reviews75.0% of reviews — better
Number of ratings1.2K — better78
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPod
Requires iOS15.614 — better
Further details — not scored
Size47 MB92 MB
Age rating4+4+
DeveloperSecurity Service Federal Credit Union (SSFCU)Elevate CDB Inc

Customer experience

Security Service Mobile

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

Proficient ONE

All ratings78 ratings
Positive97.4%
Neutral1.3%
Negative1.3%
Written reviews4 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

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

Proficient ONE

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Security Service Mobile

No in-app purchases

None

Proficient ONE

No in-app purchases

Questions

Is Security Service Mobile free?
Security Service Mobile is free to download, with no in-app purchases.
Is Proficient ONE free?
Proficient ONE is free to download, with no in-app purchases.
Which has better reviews, Security Service Mobile or Proficient ONE?
Proficient ONE is rated higher. Security Service Mobile averages 2.6 out of 5 from 1.2K ratings, while Proficient ONE averages 4.9 from 78 ratings.
Do Security Service Mobile or Proficient ONE have ads?
Neither Security Service Mobile nor Proficient ONE shows ads.
Which is updated more often, Security Service Mobile or Proficient ONE?
Security Service Mobile ships an update every 3 months, and Proficient ONE monthly. Most recently, Security Service Mobile was updated on October 20, 2026 and Proficient ONE on October 11, 2026.

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