# MECECU vs Heritage Digital Banking

MECECU and Heritage Digital Banking both sit at 4.9 stars, but that hides the real split: 93% of MECECU's written reviews are positive against 43% of Heritage Digital Banking's. On price, rating, ratings volume and update cadence 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 — 4.9 for MECECU against 4.8 for Heritage Digital Banking. Both are backed by a comparable volume of ratings — 1.5K and 559 respectively. Written reviews are what separate them: 93% of MECECU's written reviews are positive against 43% of Heritage Digital Banking's.

MECECU ships an update every 3 weeks, Heritage Digital Banking monthly. Both last shipped on November 7, 2026.

## The numbers

| Metric | MECECU | Heritage Digital Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (1.5K ratings)](https://appshunter.io/ios/app/mececu/id1658178685/reviews)** | [4.8 (559 ratings)](https://appshunter.io/ios/app/heritage-digital-banking/id6444867865/reviews) |
| Number of ratings | **1.5K** | 559 |
| Positive reviews | **92.9% of reviews** | 42.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free | Free |
| Size | 197 MB | 180 MB |
| Requires iOS | 18.4 | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 12+ | 12+ |
| Developer | [Missouri Electric Cooperatives Employees' Credit Union](https://appshunter.io/developer/585879098) | [Heritage Bank of Ozarks](https://appshunter.io/developer/860224936) |

## What reviewers say

### MECECU

[App page](https://appshunter.io/ios/app/mececu/id1658178685)

Manage your finances conveniently from your mobile device. Check balances, view transaction history, transfer funds, pay loans, and deposit checks. Organize your transactions with notes and photos, and find nearby ATMs.

**Highlights:** Check account balances, View transaction history, Transfer funds between accounts, Pay loans, Deposit checks remotely, Organize transactions with notes and photos, Find fee-free ATMs

**Features:** Apple Wallet

**In-app purchases:** none


### Heritage Digital Banking

[App page](https://appshunter.io/ios/app/heritage-digital-banking/id6444867865)

Manage your finances on the go with this secure banking app. Organize transactions with tags and notes, set balance alerts, and easily deposit checks by taking a photo. Transfer money, pay bills, and find nearby branches and ATMs.

**Highlights:** Organize transactions with tags, notes, and receipt photos, Set balance alerts, Make payments to companies and friends, Transfer money between accounts, Deposit checks via photo, View and save monthly statements, Find branches and ATMs

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is MECECU free?

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

### Is Heritage Digital Banking free?

Heritage Digital Banking is free to download, with no in-app purchases.

### Which has better reviews, MECECU or Heritage Digital Banking?

MECECU is rated higher. MECECU averages 4.9 out of 5 from 1.5K ratings, while Heritage Digital Banking averages 4.8 from 559 ratings.

### Do MECECU or Heritage Digital Banking have ads?

Neither MECECU nor Heritage Digital Banking shows ads.

### Which is updated more often, MECECU or Heritage Digital Banking?

MECECU ships an update every 3 weeks, and Heritage Digital Banking monthly. Most recently, MECECU was updated on November 7, 2026 and Heritage Digital Banking 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.*