Comparison

Citizens Cash Flow Essentials™ vs TipVault

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

Head to head
About

Citizens Cash Flow Essentials™

Manage your business finances with this digital banking platform. Access real-time information, make seamless payments, and utilize practical tools for informed decision-making. Services include ACH credits, wire origination, loan payments, and mobile check deposits.

Highlights
  • Real-time financial information
  • Seamless payment functionality
  • ACH credit payments
  • Wire origination
  • Mobile check deposits
  • Bill pay and reporting
Features
Read full description

Citizens Cash Flow Essentials™ is a digital simple, online and mobile banking platform and payment suite. It provides access to real-time information, seamless payment functionality and practical tools to help customers meet daily cash flow requirements and make well-informed business decisions. Services offered through Citizens Cash Flow Essentials™ may consist of, but are not limited to, the following: real-time payments, domestic ACH credit payments, wire origination, Citizens business loan payments and draws, unlimited mobile check deposits, stop payments, internal account transfers, bill pay, and reporting.

About

TipVault

Effortlessly calculate and track your tips and receipts. Split bills with ease, manage digital copies of your spending, and customize settings for a personalized experience.

Highlights
  • Instant tip calculator
  • Bill splitting
  • Receipt management
  • Customizable settings
  • Intuitive interface
Features
Read full description

Introducing TipVault: Your Ultimate Tip Tracking Companion! Tired of fumbling with calculations or forgetting how much you tipped? Say hello to TipVault, the sleekest and smartest way to manage your tips and receipts! Why You'll LOVE TipVault: *Effortless Calculations: Split bills and calculate tips in seconds! Whether you're dining solo or with a crowd, TipVault makes it easy. *Receipt Management Made Simple: Snap a photo or manually enter details. Edit, view, and organize your receipts all in one place. Never lose track of your spending again! *Customizable Settings: Tailor TipVault to your needs. Set default tip percentages, currency, and more for a personalized experience. *Slick Design: Enjoy a clean, intuitive interface that makes tracking tips a breeze (and maybe even a little fun!). Key Features at a Glance: *Instant Tip Calculator: Calculate tips and total bill amounts quickly and accurately. *Bill Splitting: Easily divide the bill among multiple people. *Receipt Editor: Add, edit, and manage your past receipts digitally. *Personalized Settings: Configure default values and preferences. *Beautiful Interface: Navigate with ease thanks to our user-friendly design. Download TipVault today and take the guesswork out of tipping!

Screenshots

Citizens Cash Flow Essentials™4 screens
TipVault4 screens

Verdict

The call

The clearest difference is rating: TipVault at 5.0 against Citizens Cash Flow Essentials™'s 3.1. TipVault also leads on update cadence (weekly vs every 7 months). Citizens Cash Flow Essentials™'s advantage is ratings volume (7 vs 1) and iOS requirement (12.0 vs 15.1). On price, ads, in-app purchases and monetization model 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.

ReceptionRating · Positive reviews · Number of ratings

TipVault holds the better App Store score, 5.0 against 3.1. That said, the two scores are not equally well evidenced: Citizens Cash Flow Essentials™ has 7 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Citizens Cash Flow Essentials™ ships an update every 7 months, TipVault weekly. The most recent releases landed on October 20, 2026 and October 6, 2026 respectively.

Scorecard4 real differences · 6 level
Citizens Cash Flow Essentials™ versus TipVault: the parameters behind the verdict, then further details
ParameterCitizens Cash Flow Essentials™TipVault
PriceFreeFree
Rating3.1 (7 ratings)5.0 (1 ratings) — better
Positive reviews100.0% of reviews—
Number of ratings7 — better1
Update frequencyEvery 7 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.0 — better15.1
Further details — not scored
Size20 MB28 MB
Age rating4+4+
DeveloperCitizens Bank, N.A.Adam Lubin

Customer experience

Citizens Cash Flow Essentials™

All ratings5 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

TipVault

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Citizens Cash Flow Essentials™

No in-app purchases

None

TipVault

No in-app purchases

Questions

Is Citizens Cash Flow Essentials™ free?
Citizens Cash Flow Essentials™ is free to download, with no in-app purchases.
Is TipVault free?
TipVault is free to download, with no in-app purchases.
Which has better reviews, Citizens Cash Flow Essentials™ or TipVault?
TipVault is rated higher. Citizens Cash Flow Essentials™ averages 3.1 out of 5 from 7 ratings, while TipVault averages 5.0 from 1 ratings.
Do Citizens Cash Flow Essentials™ or TipVault have ads?
Neither Citizens Cash Flow Essentials™ nor TipVault shows ads.
Which is updated more often, Citizens Cash Flow Essentials™ or TipVault?
Citizens Cash Flow Essentials™ ships an update every 7 months, and TipVault weekly. Most recently, Citizens Cash Flow Essentials™ was updated on October 20, 2026 and TipVault on October 6, 2026.

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