DATCU Mobile Banking vs Legato Vault
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
DATCU Mobile Banking
Manage your banking tasks efficiently from your mobile device. Access account balances, transfer funds, pay bills, and deposit checks on the go. Offers enhanced accessibility features for a personalized experience.
- Biometric sign-in (Touch ID/Face ID)
- Quick Balance viewing
- Fund transfers
- Bill payments
- Mobile check deposit
- Loan payments
- Accessibility features
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Welcome to DATCU Mobile Banking! Looking for time-saving shortcuts? We can't help you escape the traffic on Interstate 35. But we can help you get your banking chores done a lot faster. Just download our app onto your mobile device and you'll be able to manage all your DATCU accounts from wherever you are at any time of day. Do more with our DATCU Mobile Banking app. Features: - Sign in with Touch ID or Face ID - Use Quick Balance to view account balances without signing in - View Quick Balances on your Apple Watch - Transfer funds between accounts - View account balances and transactions - Make loan payments - Deposit checks - View check copies - Pay bills - Access Statements - Left/right-handed modes - Full Neurodiverse features including options for epilepsy, dyslexia, colorblindness, and visual sensitivity. ...and more!
Legato Vault
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Legato Vault — Family Estate & Document Organizer Life is unpredictable. The people you love shouldn't have to dig through filing cabinets, guess passwords, or wonder where important documents are when it matters most. Legato Vault gives your family one secure, organized place for everything that keeps life running — and everything that needs to be in order when it doesn't. Your entire estate, in one place. Store wills, trusts, powers of attorney, insurance policies, deeds, and more. Add notes, organize by category, and pin what matters most so it's always at the top. Track every account and asset. Log bank accounts, investments, retirement funds, real estate, and vehicles — plus liabilities. Legato Vault calculates your net worth automatically, so your family knows exactly what exists and where to find it. Never miss an expiration. Passports, licenses, policies, and registrations all expire. The Expiry Calendar tracks every important date and reminds you before it's too late. Your IDs, digitized. Keep driver's licenses, passports, health insurance cards, and membership cards in your personal ID Wallet — organized and easy to find. Secure notes for sensitive information. Safe combinations, credentials, medication lists, and personal wishes belong in encrypted secure notes — protected by Face ID, Touch ID, or your PIN. Digital assets covered. From online banking to crypto to subscriptions, document your digital life so nothing gets lost or forgotten. Plan for the future. Record funeral preferences, burial wishes, and messages for loved ones in the End of Life section. A difficult topic, made a little easier. Beneficiaries, tracked. Note who inherits each account and policy, so your intentions are always clear. Emergency access when seconds count. The Emergency Card puts critical information — contacts, medications, allergies, instructions — where it can be reached quickly, even under pressure. Trusted contacts, always close. Keep attorneys, advisors, doctors, executors, and family members in one place, each with their role clearly noted. Private by design. Everything lives on your device, protected by biometric lock and PIN. No ads, no tracking, no analytics, and your data is never shared with third parties or used for advertising. What's in your vault stays in your vault. Back up on your terms. Export a full encrypted backup to any storage you trust — your personal cloud, a USB drive, anywhere. Or enable optional encrypted Cloud Backup to restore your vault on a new device with your private recovery code. Either way, only you can unlock your data. Free to start, Premium when you're ready. The free plan lets you organize up to 10 entries in each section. Legato Premium unlocks unlimited entries across your entire vault, with monthly and annual plans and a free trial. One purchase covers everything — no ads either way. Designed for real families. Whether you're getting your affairs in order, planning your estate, or simply making sure your family won't be left scrambling, Legato Vault is built for the moments that matter most. Legato Vault is built on a simple promise: your data belongs to you. There are no accounts to create, and your information never touches our servers. Documents, notes, IDs, and personal information stay in your device's local storage, and backups are encrypted so no one — not even us — can read them. We use no analytics, no advertising networks, and no tracking of any kind. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Legato Vault is developed by AppIT. © 2026 AppIT. All rights reserved.
Screenshots
Verdict
The clearest difference is in-app purchases: DATCU Mobile Banking at none against Legato Vault's 2. DATCU Mobile Banking also leads on device support (4 vs 2). On price, update cadence, ads and iOS requirement 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
Both are free to download. Legato Vault sells 2 in-app purchases, starting at $4.99 per month. DATCU Mobile Banking asks for nothing beyond the download.
Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 27, 2026 and September 30, 2026 respectively.
| Parameter | DATCU Mobile Banking | Legato Vault |
|---|---|---|
| Price | Free | Free |
| Rating | 2.9 (171 ratings) — better | — |
| Positive reviews | 15.3% of reviews | — |
| Number of ratings | 171 — better | — |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPod |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 143 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | DATCU Credit Union | Garst Peterson |
Bugs and requests
DATCU Mobile Banking
Reported bugs
67 issues- App crashes
- App is offline
- Cannot login
- System errors
- Orientation flips
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- Transaction list limited
- Confusing balance display
- Wasted screen space
- Horrible new layout
- App is trash
- App is worthless
- Server error on login
- Card controls difficult
- Loan payments not visible
- Cannot see account balances on transfer
- Less user friendly
- Obscure info layout
- Not easy to use anymore
- Takes more steps
- Cannot transfer funds to credit card/loan
- Too busy interface
- Missing pending transaction info
- No balance after payment
- Missing loan payoff details
- App is crap
- Cloudflare blocking access
- App support page not found
- Frozen account
- App crashes instantly
- Outdated look
- Lacks basic features
- Antiquated feel
- Limited features and accessibility
- Cannot make payments with external account
- No help on login screen
- App isn't working with update
- Doesn't accept login info
- Asks for PIN
- Froze up
- App looks outdated
- Not as clean without screen real estate
- Antiquated feel
- Needs updating
- Very limited to features and accessibility
- Lack of app updates
- App not working on iPhone 4
- Crashes immediately loading presets
- Cannot get it to work after OS update
- Needs to be more secure
- Graphs feature doesn't work
- Needs new features
- Sleeker interface needed
- Not all inclusive
- Doesn't show pending deposits or withdrawals
- Doesn't show credit card account
- Not much more functional than mobile website
- App isn't working
- Useless app
- Cannot log in
- Account freeze on login attempt
- Bugs need to be worked out
- Incorrect balances shown
- Payment selection not working
- Cannot transfer money externally
- Mobile deposit never works
- App rarely works
- Show incorrect balances
Requested features
37 requests- Budgeting feature
- In-depth income/expense tracking
- Other financial tools
- Access to monthly bank statements
- Ability to see pending transactions
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- Access to bill pay
- See captured transactions without desktop login
- See pending transactions without desktop login
- Password feature on startup for security
- Check images
- New features
- Sleeker interface
- More all inclusive features
- Show pending deposits or withdrawals
- Show credit card account
- Ability to see pending ACH withdrawals
- Ability to see balance as each item cleared
- Access desktop version on iPhone
- 4-digit passcode entry
- Option for both or either passcode/password
- Photograph checks for deposit
- New look for the app
- Face ID for fast login
- Support for passwords via Apple keyboard
- Layout for X and XR phones
- Show savings from paying off early
- Show current loan amount
- Show pending transactions on mobile
- Show posted balances
- Show available balances
- Transfer funds from checking to credit card/loan
- Mobile deposit
- Access to account number
- Dark mode option
- Advanced analytics dashboard
- Dark mode option
- Advanced analytics dashboard
Legato Vault
Not enough reviews yet to summarise bugs or requests.
In-app purchases
DATCU Mobile Banking
No in-app purchases
Legato Vault
- Legato Premium7 Days trial$4.991 Month
- Legato Premium7 Days trial$39.991 Year
Questions
Is DATCU Mobile Banking free?
Is Legato Vault free?
Do DATCU Mobile Banking or Legato Vault have ads?
Which is updated more often, DATCU Mobile Banking or Legato Vault?
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