# Zil.US vs h.way

The clearest difference is review sentiment: h.way at 47% against Zil.US's 0%. h.way also leads on rating (3.4 vs 2.1) and ratings volume (97 vs 10). On price, update cadence, ads and in-app purchases there is nothing between them.

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

h.way holds the better App Store score, 3.4 against 2.1. That said, the two scores are not equally well evidenced: h.way has 97 ratings behind it against 10, 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 47% of h.way's.

Zil.US ships an update every 2 weeks, h.way every 3 weeks. The most recent releases landed on September 21, 2026 and September 5, 2026 respectively.

## The numbers

| Metric | Zil.US | h.way |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.1 (10 ratings)](https://appshunter.io/ios/app/zilus/id1576803726/reviews) | **[3.4 (97 ratings)](https://appshunter.io/ios/app/hway/id1635450512/reviews)** |
| Number of ratings | 10 | **97** |
| Positive reviews | 0.0% of reviews | **47.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 51 MB | 310 MB |
| Requires iOS | 15.0 | **9.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [onlinecheckwriter](https://appshunter.io/developer/1473071594) | [numi apps](https://appshunter.io/developer/1635450514) |

## What reviewers say

### Zil.US

[App page](https://appshunter.io/ios/app/zilus/id1576803726)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


### h.way

[App page](https://appshunter.io/ios/app/hway/id1635450512)

This app offers a banking experience designed for your community, allowing you to manage money without minimum balances or surcharges. It provides a Mastercard debit card with identity theft protection, early payday access, and fee-free ATM withdrawals. Funds are FDIC-insured for your security.

**Highlights:** No SSN required for signup, No minimum balance or surcharges, FDIC-insured funds, Mastercard debit card with ID theft protection, Early payday access, Fee-free ATM network, Instant money transfers

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Zil.US free?

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

### Is h.way free?

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

### Which has better reviews, Zil.US or h.way?

h.way is rated higher. Zil.US averages 2.1 out of 5 from 10 ratings, while h.way averages 3.4 from 97 ratings.

### Do Zil.US or h.way have ads?

Neither Zil.US nor h.way shows ads.

### Which is updated more often, Zil.US or h.way?

Zil.US ships an update every 2 weeks, and h.way every 3 weeks. Most recently, Zil.US was updated on September 21, 2026 and h.way on September 5, 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.*