Comparison

CU SoCal Mobile Banking vs UB2GO

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

Head to head
About

CU SoCal Mobile Banking

Manage your finances conveniently from your mobile device. Check account balances, view transaction history, transfer funds, deposit checks, and pay bills. Easily locate nearby branches and ATMs for in-person services.

Highlights
  • Check account balances
  • View transaction history
  • Transfer money
  • Deposit checks
  • Pay bills
  • Find branches and ATMs
Features
Read full description

BANK ANYTIME, ANYWHERE Check balances on checking, savings, certificates, loans, and credit cards. View history. Transfer money. Deposit checks. Pay bills. Manage services.* FIND A BRANCH OR ATM Locate the nearest CU SoCal branch, CO-OP shared branch, or deposit-taking fee-free ATM. COMMITMENT TO SECURITY Your security is our top priority. We take every precaution to ensure that your Mobile Banking transactions will be secure.* *All information transmitted via Mobile Banking is protected with highly secure encryption methods that mask sensitive information. A password or fingerprint authentication is required every time you log on to Mobile Banking. Data and text charges may apply - check with your mobile provider. Eligibility requirements apply. Federally insured by NCUA

About

UB2GO

Manage your personal and business finances on the go with this secure mobile banking app. Easily check balances, transfer funds, deposit checks, pay bills, and send money to others. It also offers budgeting tools and fraud prevention features.

Highlights
  • Account management and balance checks
  • Fund transfers between accounts
  • Mobile check deposit
  • Bill payment and payee management
  • Person-to-Person (P2P) payments
  • Budgeting and spending tracking
  • Secure messaging and alerts
Features
Read full description

With Union Bank's secure mobile banking application, our personal and commercial account holders can easily access account information and conduct banking transactions. Available to all Union Bank of Vermont and New Hampshire customers, our mobile banking app allows you to check balances, transfer funds, deposit checks, review recent transactions, pay bills, send money to family and friends and check messages from laptop, smartphone or tablet device. Union Bank mobile app Features: - Account Management - View account balances - Review recent transactions and search transaction history - Transfer funds between your Union Bank accounts and your accounts with other financial institutions - Sign-up for eStatements - View cleared check images - View your credit card transactions Funds Transfer - Send and receive money using Person to Person (P2P) with friends, family or anyone with a debit card or mobile phone number - You can also transfer funds between your Union Bank accounts and accounts you have with other financial institutions - Transfer funds to others with accounts at Union Bank - Transfers between Union Bank accounts are immediate - P2P transfers are secure and free Deposit Funds Electronically - Enjoy the convenience of depositing checks from your smartphone - Simple and secure, snap a picture of your check, enter the amount and push a button - View your mobile deposit in your account immediately Bill Payment - Pay bills - View recently paid bills and scheduled payments - Enhanced bill payment including adding, editing and deleting payees - Setup one-time or recurring payments for multiple payees Personal Financial Management Tool - View all account balances from multiple financial institutions in one convenient location - Create a budget, track your income and spending habits - Review transactions by spending categories from all of your Union Bank accounts and any other accounts you choose to include (credit cards, checking and brokerage accounts at other financial institutions) Business Customers - Create and approve ACH transfers using the Union Bank mobile app - Enjoy enhanced features for approval levels, dates/times, and geographical location anytime/anywhere - Includes Positive Pay, a powerful fraud prevention tool Locate ATMs and Branches Secure Messaging and Alerts - Send and receive messages about your account transactions and confidential matters using Union Bank's enhanced security system - Receive secure notifications for low balances, a reminder that a bill payment is due, or when transfers and payments have been made - Customize your accounts to receive security alerts about possible fraud activity - Multifactor Authentication- Union Bank will send an email, SMS text, or voice phone call to authenticate your banking session when you login from an unknown device. Additional authentication may be required for high value transactions. Security Our mobile app is built on HTML5 technology to provide the best user experience on any size display, smartphone or tablet. Our mobile app utilizes 128-bit SSL encryption and has Touch Authentication (on devices that support a fingerprint sensor) for login authentication.

Screenshots

CU SoCal Mobile Banking4 screens
UB2GO3 screens

Verdict

The call

The clearest difference is monetization model: UB2GO at free against CU SoCal Mobile Banking's free with in-app purchases. CU SoCal Mobile Banking's advantage is ratings volume (36K vs 631) and rating (4.9 vs 4.6). On price, review sentiment, update cadence and ads 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

CU SoCal Mobile Banking holds the better App Store score, 4.9 against 4.6. That said, the two scores are not equally well evidenced: CU SoCal Mobile Banking has 36K ratings behind it against 631, so its average is the more settled of the two. Written reviews complicate that: 85% of CU SoCal Mobile Banking's written reviews are positive against 88% of UB2GO's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

CU SoCal Mobile Banking ships an update every 4 months, UB2GO every 8 months. The most recent releases landed on October 1, 2026 and September 29, 2026 respectively.

Scorecard3 real differences · 7 level
CU SoCal Mobile Banking versus UB2GO: the parameters behind the verdict, then further details
ParameterCU SoCal Mobile BankingUB2GO
PriceFreeFree
Rating4.9 (36K ratings) — better4.6 (631 ratings)
Positive reviews85.0% of reviews88.3% of reviews — better
Number of ratings36K — better631
Update frequencyEvery 4 months — betterEvery 8 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.016.0
Further details — not scored
Size183 MB101 MB
Age rating4+4+
DeveloperCredit Union of Southern CaliforniaUnion Bankshares, Inc.

Customer experience

CU SoCal Mobile Banking

All ratings36,185 ratings
Positive98.5%
Neutral1.0%
Negative0.5%
Written reviews153 reviews
Positive85.0%
Neutral2.6%
Negative12.4%

UB2GO

All ratings525 ratings
Positive90.9%
Neutral3.2%
Negative5.9%
Written reviews180 reviews
Positive88.3%
Neutral3.9%
Negative7.8%

User reviews

CU SoCal Mobile Banking

From 36K App Store ratings

What we love

  • 🤝 Excellent customer service
  • 👍 User-friendly mobile app
  • 💳 Great banking products and services
  • 🏆 Reliable and trustworthy credit union
  • 🚀 Efficient account management

Room to improve

  • 🐛 Recurring mobile deposit issues
  • 🔧 Buggy app updates
  • ⏱️ Slow transaction posting
  • 🤔 Confusing feature changes
  • 🔍 Difficulty finding Zelle transfer option

UB2GO

From 631 App Store ratings

What we love

  • 👍 User-friendly
  • 🚀 Easily navigable
  • 🚀 Convenient for banking
  • 🚀 Helpful and easy to use
  • 🚀 Intuitive interface

Room to improve

  • 🐛 Mobile deposit issues
  • 🐛 Inconsistent account order
  • 🐛 Slow and buggy performance
  • 🐛 Difficult to use camera for check deposit
  • 🐛 Unreliable login process

Bugs and requests

CU SoCal Mobile Banking

Reported bugs

5 issues
  • Mobile deposit not working
  • Zelle transfers not functioning
  • Frequent app crashes and freezes
  • Account information not syncing properly
  • Login issues and device recognition problems

Requested features

5 requests
  • Restore previous mobile deposit functionality
  • Improve app stability and reliability
  • Enhance Zelle integration and visibility
  • Add more customization options
  • Expand historical transaction visibility

UB2GO

Reported bugs

4 issues
  • Login screen issues
  • Inconsistent check deposit recognition
  • Account order changes unexpectedly
  • Occasional crashes and freezes

Requested features

5 requests
  • Add fingerprint or Face ID login
  • Improve mobile check deposit functionality
  • Enhance search and transaction history features
  • Add travel notification feature in the app
  • Move the log out button to a more accessible location

In-app purchases

None

CU SoCal Mobile Banking

No in-app purchases

None

UB2GO

No in-app purchases

Questions

Is CU SoCal Mobile Banking free?
CU SoCal Mobile Banking is free to download, with no in-app purchases.
Is UB2GO free?
UB2GO is free to download, with no in-app purchases.
Which has better reviews, CU SoCal Mobile Banking or UB2GO?
CU SoCal Mobile Banking is rated higher. CU SoCal Mobile Banking averages 4.9 out of 5 from 36K ratings, while UB2GO averages 4.6 from 631 ratings.
Do CU SoCal Mobile Banking or UB2GO have ads?
Neither CU SoCal Mobile Banking nor UB2GO shows ads.
Which is updated more often, CU SoCal Mobile Banking or UB2GO?
CU SoCal Mobile Banking ships an update every 4 months, and UB2GO every 8 months. Most recently, CU SoCal Mobile Banking was updated on October 1, 2026 and UB2GO on September 29, 2026.

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