# EducationFirstFCU vs American Commerce

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.

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.

## The numbers

| Metric | EducationFirstFCU | American Commerce |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (4.5K ratings)](https://appshunter.io/ios/app/educationfirstfcu/id1579562961/reviews) | **[4.9 (276 ratings)](https://appshunter.io/ios/app/american-commerce/id1599579220/reviews)** |
| Number of ratings | **4.5K** | 276 |
| Positive reviews | 70.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Ad-supported | Ad-supported |
| Size | 197 MB | 197 MB |
| Requires iOS | 18.4 | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 12+ | 12+ |
| Developer | [Education First Federal Credit Union](https://appshunter.io/developer/444478220) | [American Commerce Bank, National Association](https://appshunter.io/developer/1039021084) |

## What reviewers say

### EducationFirstFCU

[App page](https://appshunter.io/ios/app/educationfirstfcu/id1579562961)

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.

**Highlights:** 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

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💕 Convenient banking anywhere
- 👍 Easy to deposit and transfer money
- 🚀 Fast and intuitive app
- 🔒 Protects assets and provides peace of mind
- 👍 Customizable to user needs

**What reviewers complain about**

- 🐛 Glitchy app with frequent crashes
- 🤯 Difficult to find and do things
- 🤬 Poor customer service and lack of responsiveness
- 🤯 Redundant and non-user-friendly processes
- 🤯 Accounts not syncing properly

**Reported bugs**

- Login issues with constant verification codes
- Inability to view account information
- Bill pay stopped working after system update

**Requested features**

- Confirmation prompt before submitting payments
- Ability to see pending deposits
- Restore previous features that were removed


### American Commerce

[App page](https://appshunter.io/ios/app/american-commerce/id1599579220)

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.

**Highlights:** 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

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is EducationFirstFCU free?

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

### Is American Commerce free?

American Commerce is free to download, with no in-app purchases.

### Which has better reviews, EducationFirstFCU or American Commerce?

American Commerce is rated higher. EducationFirstFCU averages 4.8 out of 5 from 4.5K ratings, while American Commerce averages 4.9 from 276 ratings.

### Do EducationFirstFCU or American Commerce have ads?

Neither EducationFirstFCU nor American Commerce shows ads.

### Which is updated more often, EducationFirstFCU or American Commerce?

EducationFirstFCU ships an update monthly, and American Commerce monthly. Most recently, EducationFirstFCU was updated on November 7, 2026 and American Commerce on November 7, 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.*