# UMe Mobile vs checkie

The clearest difference is review sentiment: checkie at 100% against UMe Mobile's 31%. checkie also leads on rating (5.0 vs 4.8). UMe Mobile's advantage is ratings volume (589 vs 14). On price, update cadence, ads and in-app purchases there is nothing between them.

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

checkie holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: UMe Mobile has 589 ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 31% of UMe Mobile's written reviews are positive against 100% of checkie's.

UMe Mobile ships an update fortnightly, checkie every 3 weeks. The most recent releases landed on September 20, 2026 and June 20, 2026 respectively.

## The numbers

| Metric | UMe Mobile | checkie |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (589 ratings)](https://appshunter.io/ios/app/ume-mobile/id1661272268/reviews) | **[5.0 (14 ratings)](https://appshunter.io/ios/app/checkie-split-happens/id6747963538/reviews)** |
| Number of ratings | **589** | 14 |
| Positive reviews | 30.8% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 183 MB | 47 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UMe Federal Credit Union](https://appshunter.io/developer/811607759) | [Checks Intel Inc](https://appshunter.io/developer/1823608155) |

## What reviewers say

### UMe Mobile

[App page](https://appshunter.io/ios/app/ume-mobile/id1661272268)

Manage your UMe Federal Credit Union accounts securely on the go. Perform transactions like mobile check deposits, bill payments, and money transfers. Enhanced card controls allow real-time management of your cards, including enabling/disabling and setting spending limits.

**Highlights:** View account activity and balances, Deposit checks remotely, Enhanced card controls (enable/disable, limits, travel notifications), Pay bills and send money with Zelle®, Transfer funds and make bank-to-bank transfers, Locate branches and ATMs, Contact member service

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy and convenient transaction completion
- 💰 Saves time and money on travel to physical branches
- 💡 New features make online banking easier
- 👍 Customizable dashboard and improved layout
- 🤝 Excellent customer service and hospitality

**What reviewers complain about**

- 🔐 Excessive authentication requirements with verification codes
- 🐛 App frequently gets stuck on screens with unclickable buttons
- 😤 Confusing and poor user interface design
- 💸 Hidden monthly fees for statement delivery
- 🔄 Lost functionality from previous app version

**Reported bugs**

- App stuck on verification code screen with unclickable button
- Notifications and alerts stopped working
- Login lockouts after app updates
- Verification code required every app launch
- Zelle sending option not functioning properly

**Requested features**

- Return of Emu (alpaca) mascot character
- Improved pending transaction visibility
- Better integration with direct deposit display
- Simplified authentication process


### checkie

[App page](https://appshunter.io/ios/app/checkie-split-happens/id6747963538)

Effortlessly split group dining bills with AI-powered receipt scanning and one-tap item assignment. Organize friends and groups for easy expense tracking and transparent calculations.

**Highlights:** AI receipt scanning, One-tap item assignment, Friends and groups management, Automatic tax and tip distribution, Detailed expense breakdowns, Bill history tracking

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is UMe Mobile free?

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

### Is checkie free?

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

### Which has better reviews, UMe Mobile or checkie?

checkie is rated higher. UMe Mobile averages 4.8 out of 5 from 589 ratings, while checkie averages 5.0 from 14 ratings.

### Do UMe Mobile or checkie have ads?

Neither UMe Mobile nor checkie shows ads.

### Which is updated more often, UMe Mobile or checkie?

UMe Mobile ships an update fortnightly, and checkie every 3 weeks. Most recently, UMe Mobile was updated on September 20, 2026 and checkie on June 20, 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.*