Zil.US vs CardFunder
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Zil.US
This app offers a comprehensive online banking solution for businesses and individuals. It provides features like free checking accounts, early direct deposit, and tools for building credit. Manage your finances with secure, modern banking tools and no hidden fees.
- Free business/personal checking accounts
- Early direct deposit
- Credit builder tool
- Fee-free ACH and wire transfers
- Instant and physical Visa cards
- Card management with custom limits
- Two-factor authentication
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Zil.US is an online banking experience that will meet all your business needs. Open a free business or personal checking account. Free, safe security features, overdraft, and get paid two days early with no hidden fee. ALL IN ONE PLATFORM Simple modern Banking, ACH, wire, Credit build, Printable checks, Cash Back, Instant Visa card, Physical Card, multiple cards for many users with customized limits, block card in a single tap. TRUSTED BY BUSINESSES You control your banking with two-factor authentication, instant alert, daily balances, etc., GOODBYE TO HIDDEN FEES No monthly fee, No hidden Fee, No minimum Balance required. A NEW WAY TO BUILD CREDIT Use our modern credit builder and increase your credit score sooner than you think with regular on-time payments. PAY VENDOR, PAYEES, FRIENDS WITH NO TRANSFER FEES Send money to anyone without any transfer fee.
CardFunder
This app enables organizations to receive charitable donations through unused or partially used gift cards. It supports various entities like schools, churches, and non-profits across the United States.
- Accept gift card donations
- Supports unused gift cards
- Supports partially used gift cards
- For schools, churches, and non-profits
- Serves organizations nationwide
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CardFunder is a powerful tool that allows organizations to accept unused or partially used gift cards as charitable donations. We serve organizations around the United States. - Schools, Colleges, and Universities - Churches and Ministries - Non-Profits and more!
Screenshots
Verdict
The clearest difference is review sentiment: CardFunder at 100% against Zil.US's 0%. CardFunder also leads on rating (5.0 vs 2.1) and iOS requirement (12.0 vs 15.0). Zil.US's advantage is ratings volume (10 vs 1). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
CardFunder holds the better App Store score, 5.0 against 2.1. That said, the two scores are not equally well evidenced: Zil.US has 10 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 0% of Zil.US's written reviews are positive against 100% of CardFunder's.
Zil.US ships an update every 2 weeks, CardFunder monthly. The most recent releases landed on October 8, 2026 and October 13, 2026 respectively.
| Parameter | Zil.US | CardFunder |
|---|---|---|
| Price | Free | Free |
| Rating | 2.1 (10 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 10 — better | 1 |
| Update frequency | Every 2 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 51 MB | 82 MB |
| Age rating | 4+ | 4+ |
| Developer | onlinecheckwriter | Prepaid2Cash Holdings, Inc. |
Customer experience
Zil.US
CardFunder
In-app purchases
Zil.US
No in-app purchases
CardFunder
No in-app purchases
