Comparison

Service 1st Mobile Banking vs FirstCU Access

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

Head to head
About

Service 1st Mobile Banking

Manage your Service 1st Federal Credit Union accounts securely on the go. View transactions, deposit checks, pay bills, transfer funds, and apply for loans. Find ATMs and branches easily.

Highlights
  • Account activity monitoring
  • Mobile check deposit
  • Bill payment scheduling
  • Fund transfers
  • Loan applications
  • Debit/credit card controls
  • ATM and branch locator
Features
Read full description

Enjoy a safe and secure way to manage your accounts on-the-go! At Service 1st Federal Credit Union, our promise to our members is to provide a lifetime of financial services to meet your changing needs. Service 1st Mobile provides you a convenient and secure way to manage your accounts, view cleared checks, make deposits, pay bills and view your transaction history. Plus, you can complete quick transfers within Service 1st accounts, apply for loans and find the closest ATM within the Service 1st network from just about anywhere! Service 1st members may use our Mobile Application free of charge; however, your wireless provider’s messaging and data rates may apply. You’ll also enjoy these convenient features: account activity! Check balances and monitor account activity! apply today! Whether you are in between flights, car shopping on the weekend, or just at home relaxing, you can apply for a Service 1st loan anywhere, anytime through Service 1st Mobile. debit and credit card controls! In addition to managing your checking and credit card accounts, you can use Service 1st Mobile for added peace of mind. For example, if you think you lost your card, you can lock it from the app and unlock it once it’s found! find us! With a single click, you can find the surcharge-free ATMs near you and locate the closest Service 1st branch. Our search map provides addresses and branch contact information. mobile deposit! With a quick snap of a photo, deposit checks directly into your account! You’ll receive credit for checks via mobile deposit to your account without having to send or drop off your check at the branch! pay bills! Never forget to pay a bill again! Use Bill Pay to schedule your payments. transfer funds! Transfer payments to other connected accounts! faqs! Consult Frequently Asked Questions for quick answers about Service 1st Mobile! available features: - Any member and cross member transfers - Apply for a loans - Access your account, using your fingerprint as your credentials - Balance information - Bill Pay - Credentials management, i.e. forgot password - Credit card controls and management - Debit card controls - Mobile deposit - Person to person payments - Social networking - Transfer within accounts and to other institutions - View check images - View estatements

About

FirstCU Access

Manage your finances on the go with this secure mobile banking app. Organize transactions with notes and photos, set balance alerts, make payments, transfer funds, and deposit checks remotely. Access statements and find nearby branches and ATMs.

Highlights
  • Organize transactions with tags, notes, and photos
  • Set up balance alerts
  • Make payments and transfer money
  • Deposit checks with photos
  • View and save monthly statements
  • Find branches and ATMs
Features
Read full description

FirstCU Access is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with FirstCU Access: -Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. -Set up alerts so you know when your balance drops below a certain amount. -Make payments, whether you’re paying a company or a friend. -Transfer money between your accounts. -Deposit checks in a snap by taking a picture of the front and back. -View and save your monthly statements. -Find branches and ATMs near you. Secure your account with a 4-digit passcode or biometric supported devices. To use the First CU Access app, you must be enrolled as a First CU digital banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials.

Screenshots

Service 1st Mobile Banking4 screens
FirstCU Access4 screens

Verdict

The call

The clearest difference is monetization model: Service 1st Mobile Banking at free against FirstCU Access's free with in-app purchases. Service 1st Mobile Banking also leads on ratings volume (4.8K vs 1.1K) and iOS requirement (16.0 vs 18.4). FirstCU Access's advantage is update cadence (monthly vs every 3 months). On price, rating, review sentiment 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

On the App Store both sit at effectively the same score — 4.9 for Service 1st Mobile Banking against 4.8 for FirstCU Access. Both are backed by a comparable volume of ratings — 4.8K and 1.1K respectively. Written reviews are what separate them: 71% of Service 1st Mobile Banking's written reviews are positive against 69% of FirstCU Access's.

UpkeepUpdate frequency

Service 1st Mobile Banking ships an update every 3 months, FirstCU Access monthly. Both last shipped on October 29, 2026.

Scorecard4 real differences · 6 level
Service 1st Mobile Banking versus FirstCU Access: the parameters behind the verdict, then further details
ParameterService 1st Mobile BankingFirstCU Access
PriceFreeFree
Rating4.9 (4.8K ratings) — better4.8 (1.1K ratings)
Positive reviews71.1% of reviews — better69.2% of reviews
Number of ratings4.8K — better1.1K
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS16.0 — better18.4
Further details — not scored
Size36 MB177 MB
Age rating4+4+
DeveloperService 1st Federal Credit UnionFirst Service Federal Credit Union

Customer experience

Service 1st Mobile Banking

All ratings4,671 ratings
Positive98.3%
Neutral1.2%
Negative0.5%
Written reviews45 reviews
Positive71.1%
Neutral6.7%
Negative22.2%

FirstCU Access

All ratings1,076 ratings
Positive95.4%
Neutral3.0%
Negative1.6%
Written reviews13 reviews
Positive69.2%
Neutral0.0%
Negative30.8%

User reviews

Service 1st Mobile Banking

From 4.8K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Convenient app experience
  • 💯 Friendly and helpful staff
  • 🤩 Great overall service

Room to improve

  • 🐛 Login issues and frequent logouts
  • ⚠️ Inconsistent mobile deposit functionality
  • 🕰️ Slower performance compared to previous version
  • 🔒 Lack of security features (e.g., Face ID)

FirstCU Access

From 1.1K App Store ratings

What we love

  • 👍 Easy to use features
  • 💡 Convenient check deposit
  • 🚀 Great customer service

Room to improve

  • 🐛 Inability to access account
  • 🐛 Navigation issues
  • 🐛 Frequent app updates required

Bugs and requests

Service 1st Mobile Banking

Reported bugs

3 issues
  • App crashes after recent update
  • Mobile deposit frequently fails
  • Login screen issues and errors

Requested features

4 requests
  • Add external bank transfers via Zelle
  • Restore quick view of account balances
  • Improve mobile deposit process
  • Enhance app design and user interface

FirstCU Access

Reported bugs

2 issues
  • Balances not visible during transfers
  • Account verification printing not working

Requested features

2 requests
  • Ability to view credit card transactions
  • Option to customize dashboard

In-app purchases

None

Service 1st Mobile Banking

No in-app purchases

None

FirstCU Access

No in-app purchases

Questions

Is Service 1st Mobile Banking free?
Service 1st Mobile Banking is free to download, with no in-app purchases.
Is FirstCU Access free?
FirstCU Access is free to download, with no in-app purchases.
Which has better reviews, Service 1st Mobile Banking or FirstCU Access?
Service 1st Mobile Banking is rated higher. Service 1st Mobile Banking averages 4.9 out of 5 from 4.8K ratings, while FirstCU Access averages 4.8 from 1.1K ratings.
Do Service 1st Mobile Banking or FirstCU Access have ads?
Neither Service 1st Mobile Banking nor FirstCU Access shows ads.
Which is updated more often, Service 1st Mobile Banking or FirstCU Access?
Service 1st Mobile Banking ships an update every 3 months, and FirstCU Access monthly. Most recently, Service 1st Mobile Banking was updated on October 29, 2026 and FirstCU Access on October 29, 2026.

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