EducationFirstFCU vs American Commerce
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
EducationFirstFCU
Manage your finances with a personal financial advocate. Organize transactions with tags and notes, set balance alerts, and make payments. Deposit checks, manage debit cards, and aggregate accounts securely.
- Organize transactions with tags, notes, and photos
- Set balance alerts
- Make payments to companies and friends
- Transfer money between accounts
- Deposit checks via photo
- Manage debit cards (reorder, turn off)
- Aggregate financial accounts
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EducationFirstFCU is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what you can do with EducationFirstFCU: - Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. - Set up alerts so you know when your balance drops below a certain amount - Make payments, whether you’re paying a company or a friend - Transfer money between your accounts - Deposit checks in a snap by taking a picture of the front and back - Reorder your debit card or turn it off if you’ve misplaced it - View and save your monthly statements - Find branches and ATMs near you - Aggregate your financial accounts - Secure your account with a 4-digit passcode or biometric on supported devices.
American Commerce
Manage your finances with this secure app. Organize transactions with tags and photos, set balance alerts, and make payments. Deposit checks, manage debit cards, and aggregate accounts all in one place.
- Organize transactions with tags, notes, and photos
- Set balance alerts
- Make payments and transfer money
- Deposit checks with photos
- Manage debit cards
- Aggregate financial accounts
- Secure with passcode or biometrics
Read full descriptionHide full description
American Commerce is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what you can do with American Commerce: Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Aggregate your financial accounts Secure your account with a 4-digit passcode or biometric on supported devices.
Screenshots
Verdict
EducationFirstFCU and American Commerce both sit at 4.8 stars, but that hides the real split: 100% of American Commerce's written reviews are positive against 70% of EducationFirstFCU's. EducationFirstFCU's advantage is ratings volume (4.5K vs 276). On price, rating, update cadence and ads 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.
On the App Store both sit at effectively the same score — 4.8 for EducationFirstFCU against 4.9 for American Commerce. That said, the two scores are not equally well evidenced: EducationFirstFCU has 4.5K ratings behind it against 276, so its average is the more settled of the two. Written reviews are what separate them: 70% of EducationFirstFCU's written reviews are positive against 100% of American Commerce's.
Both ship on a similar rhythm, roughly monthly. Both last shipped on November 7, 2026.
| Parameter | EducationFirstFCU | American Commerce |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (4.5K ratings) | 4.9 (276 ratings) — better |
| Positive reviews | 70.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 4.5K — better | 276 |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Ad-supported |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18.4 | 18.4 |
| Further details — not scored | ||
| Size | 197 MB | 197 MB |
| Age rating | 12+ | 12+ |
| Developer | Education First Federal Credit Union | American Commerce Bank, National Association |
Customer experience
EducationFirstFCU
American Commerce
Bugs and requests
EducationFirstFCU
Reported bugs
3 issues- Login issues with constant verification codes
- Inability to view account information
- Bill pay stopped working after system update
Requested features
3 requests- Confirmation prompt before submitting payments
- Ability to see pending deposits
- Restore previous features that were removed
American Commerce
Not enough reviews yet to summarise bugs or requests.
In-app purchases
EducationFirstFCU
No in-app purchases
American Commerce
No in-app purchases
Questions
Is EducationFirstFCU free?
Is American Commerce free?
Which has better reviews, EducationFirstFCU or American Commerce?
Do EducationFirstFCU or American Commerce have ads?
Which is updated more often, EducationFirstFCU or American Commerce?
Other comparisons
