Comparison

iQmobile Banking vs OnPoint Mobile

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

Head to head
About

iQmobile Banking

Manage your personal finances conveniently from your mobile device. Check balances, view transaction history, transfer funds, and pay bills with ease. Offers additional features like card management and check deposit.

Highlights
  • Check account balances
  • View transaction history
  • Transfer funds
  • Pay bills
  • Card management
  • Deposit checks
  • ATM/Branch locator
Features
Read full description

Personal finances in the palm of your hand iQmobile banking allows you to check balances, view transaction history, transfer funds, and pay bills on the go! Additional Features: - Card Management - Snapshot - Deposit Checks - Stop Payment on checks - ATM/Branch Locator - Secure Messaging for support *iQmobile banking is available to all iQ members. Visit www.iQcu.com for further details.

About

OnPoint Mobile

Manage your finances securely on the go. Check balances, transfer funds, pay bills, and deposit checks remotely. Business members can also manage users and generate ACH payments.

Highlights
  • Secure sign-in with biometrics
  • Bill management and payments
  • Send money to contacts
  • Account fund transfers
  • Card management (travel notifications, freeze)
  • Mobile check deposit
  • Transaction search and eStatements
Features
Read full description

One app for all members - Securely and safely check balances, transfer funds, view transactions and more anywhere, anytime. With OnPoint Mobile you can: • Sign in securely with Touch ID and Face ID (on supported devices). • Manage your bills and pay almost anyone, schedule recurring bill payments and receive eBills. • Send money to anyone in the U.S. with a phone number or email address. • Transfer funds between your OnPoint accounts and your accounts at other financial institutions. • Set travel notifications for your OnPoint debit or credit cards. • Freeze your OnPoint debit or credit card (for peace of mind or if lost or misplaced). • Deposit checks without the need to visit a branch or ATM. • View cleared check images and mobile deposit check images. • Customize account nicknames, preferences, and alerts. • Search transactions to quickly and easily find a specific transaction without endless scrolling. • View eStatements. Additionally, business members can: • Add entitled users and set and control their access rights and limits. • Generate ACH payments, such as payroll. (ACH Agreement required prior to using ACH payment services.)

Screenshots

iQmobile Banking4 screens
OnPoint Mobile4 screens

Verdict

The call

The clearest difference is review sentiment: OnPoint Mobile at 88% against iQmobile Banking's 54%. OnPoint Mobile also leads on ratings volume (24K vs 7.2K). iQmobile Banking's advantage is rating (4.9 vs 4.6). On price, update cadence, ads and in-app purchases 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

iQmobile Banking holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 7.2K and 24K respectively. Written reviews complicate that: 54% of iQmobile Banking's written reviews are positive against 88% of OnPoint Mobile's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

iQmobile Banking ships an update monthly, OnPoint Mobile every 2 months. The most recent releases landed on September 22, 2026 and September 24, 2026 respectively.

Scorecard3 real differences · 7 level
iQmobile Banking versus OnPoint Mobile: the parameters behind the verdict, then further details
ParameteriQmobile BankingOnPoint Mobile
PriceFreeFree
Rating4.9 (7.2K ratings) — better4.6 (24K ratings)
Positive reviews54.3% of reviews88.4% of reviews — better
Number of ratings7.2K24K — better
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, Apple Watch — better
Requires iOS16.016.0
Further details — not scored
Size132 MB133 MB
Age rating4+4+
DeveloperiQ Credit UnionOnPoint Community Credit Union

Customer experience

iQmobile Banking

All ratings7,169 ratings
Positive97.7%
Neutral1.0%
Negative1.2%
Written reviews94 reviews
Positive54.3%
Neutral9.6%
Negative36.2%

OnPoint Mobile

All ratings23,563 ratings
Positive91.6%
Neutral3.0%
Negative5.5%
Written reviews1,852 reviews
Positive88.4%
Neutral3.8%
Negative7.7%

User reviews

iQmobile Banking

From 7.2K App Store ratings

What we love

  • 👍 Easy to use
  • 👍 Responsive support
  • 👍 Friendly and knowledgeable employees
  • 🚀 Efficient app and banking experience
  • 🔒 Secure and reliable

Room to improve

  • 🐛 Occasional crashes and bugs
  • 🐛 Login and navigation issues
  • 🐛 Unreliable mobile check deposit
  • 🔒 Security concerns with password storage
  • 🔋 High battery consumption

OnPoint Mobile

From 24K App Store ratings

What we love

  • 👍 User-friendly app
  • 🚀 Convenient mobile banking features
  • 🔒 Robust security with biometric login
  • 💡 Helpful customer service

Room to improve

  • 🐛 Buggy mobile deposit feature
  • ⏱️ Slow transaction updates
  • 🔀 Confusing account management
  • 🤔 Lack of customization options

Bugs and requests

iQmobile Banking

Reported bugs

5 issues
  • App crashes on mobile check deposit
  • Login screen freezes
  • Transfers not showing up immediately
  • Orientation locked in portrait mode
  • Push notifications not working as expected

Requested features

5 requests
  • Add notifications for account activity
  • Improve mobile check deposit experience
  • Implement Face ID/Touch ID support
  • Allow app to rotate on tablets
  • Provide more detailed transaction history

OnPoint Mobile

Reported bugs

4 issues
  • Mobile app crashes and freezes
  • Inconsistent behavior when switching between app and website
  • Transactions disappearing from account history
  • Unreliable mobile deposit process

Requested features

4 requests
  • Add option to change default mobile deposit category
  • Improve bill pay functionality with better scheduling and tracking
  • Allow users to rearrange account order and hide unused accounts
  • Implement real-time transaction updates and pending indicators

In-app purchases

None

iQmobile Banking

No in-app purchases

None

OnPoint Mobile

No in-app purchases

Questions

Is iQmobile Banking free?
iQmobile Banking is free to download, with no in-app purchases.
Is OnPoint Mobile free?
OnPoint Mobile is free to download, with no in-app purchases.
Which has better reviews, iQmobile Banking or OnPoint Mobile?
iQmobile Banking is rated higher. iQmobile Banking averages 4.9 out of 5 from 7.2K ratings, while OnPoint Mobile averages 4.6 from 24K ratings.
Do iQmobile Banking or OnPoint Mobile have ads?
Neither iQmobile Banking nor OnPoint Mobile shows ads.
Which is updated more often, iQmobile Banking or OnPoint Mobile?
iQmobile Banking ships an update monthly, and OnPoint Mobile every 2 months. Most recently, iQmobile Banking was updated on September 22, 2026 and OnPoint Mobile on September 24, 2026.

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