HBS Flex vs Multi
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
HBS Flex
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Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply login to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service • View your statements and notifications • Scan product barcodes to determine their eligibility Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Manage your expenses by entering medical expense information and supporting documentation • View and Manage your HSA investments • Retrieve your forgotten username/password • Report a debit card as lost or stolen Powered by WEX®
Multi
Manage your credit union accounts from your mobile device. View balances, transaction history, deposit checks remotely, and transfer funds. Securely communicate with staff for all your banking needs.
- View account balances
- Transaction history
- Remote check deposit
- Fund transfers
- Secure messaging
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Access your Multi-States Credit Union accounts on the go with the MemberNet app! -View account balances and transaction history -Remotely deposit checks -Transfer funds between accounts -Securely message Multi-States CU staff -And more
Screenshots
Verdict
The clearest difference is update cadence: HBS Flex at every 4 months against Multi's every 13 months. Multi's advantage is iOS requirement (14.0 vs 16.0). On price, ads, in-app purchases and device support 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.
HBS Flex ships an update every 4 months, Multi every 13 months. The most recent releases landed on September 10, 2026 and September 9, 2026 respectively.
| Parameter | HBS Flex | Multi |
|---|---|---|
| Price | Free | Free |
| Rating | — | 2.0 (5 ratings) — better |
| Number of ratings | — | 5 — better |
| Update frequency | Every 4 months — better | Every 13 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 26 MB | 34 MB |
| Age rating | 17+ | 4+ |
| Developer | HBS Flex, Inc. | Multi-States Credit Union |
In-app purchases
HBS Flex
No in-app purchases
Multi
No in-app purchases






