Comparison

HBS Flex vs Multi

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

HBS Flex

Features
Read full description

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®

About

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.

Highlights
  • View account balances
  • Transaction history
  • Remote check deposit
  • Fund transfers
  • Secure messaging
Features
Read full description

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

HBS Flex4 screens
Multi3 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

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.

Scorecard2 real differences · 7 level
HBS Flex versus Multi: the parameters behind the verdict, then further details
ParameterHBS FlexMulti
PriceFreeFree
Rating2.0 (5 ratings) — better
Number of ratings5 — better
Update frequencyEvery 4 months — betterEvery 13 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.014.0 — better
Further details — not scored
Size26 MB34 MB
Age rating17+4+
DeveloperHBS Flex, Inc.Multi-States Credit Union

In-app purchases

None

HBS Flex

No in-app purchases

None

Multi

No in-app purchases

Questions

Is HBS Flex free?
HBS Flex is free to download, with no in-app purchases.
Is Multi free?
Multi is free to download, with no in-app purchases.
Do HBS Flex or Multi have ads?
Neither HBS Flex nor Multi shows ads.
Which is updated more often, HBS Flex or Multi?
HBS Flex ships an update every 4 months, and Multi every 13 months. Most recently, HBS Flex was updated on September 10, 2026 and Multi on September 9, 2026.

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