# HBS Flex vs Multi

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.

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.

## The numbers

| Metric | HBS Flex | Multi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[2.0 (5 ratings)](https://appshunter.io/ios/app/multi-states-cu-membernet/id6745483768/reviews)** |
| Number of ratings | — | **5** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 months** | Every 13 months |
| Monetization | — | Free |
| Size | 26 MB | 34 MB |
| Requires iOS | 16.0 | **14.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [HBS Flex, Inc.](https://appshunter.io/developer/1614888945) | [Multi-States Credit Union](https://appshunter.io/developer/1812470371) |

## What reviewers say

### HBS Flex

[App page](https://appshunter.io/ios/app/hbs-flex/id1614888943)

**Features:** Apple Wallet

**In-app purchases:** none


### Multi

[App page](https://appshunter.io/ios/app/multi-states-cu-membernet/id6745483768)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*