FORUM Credit Union vs Elements Mobile Banking
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FORUM Credit Union
Manage your finances securely and conveniently on the go. This banking app allows for mobile check deposits, bill payments, account monitoring, and card management. Access branch locations, receive alerts, and apply for loans or new accounts with ease.
- Mobile check deposit
- Bill payment
- Account balance and history
- Card management and controls
- Branch and ATM locator
- Account alerts
- Loan and account applications
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Manage your accounts conveniently and securely using Touch ID® or Face ID® with the FORUM mobile app. Enjoy on-the-go account access including mobile check deposits, finding convenient branch and ATM locations, receiving account alerts, paying bills, and more with FORUM’s easy-to-use app. MONITOR YOUR ACCOUNT • View account balances, transaction history, and details • Setup account alerts with push notifications, text, or email GET THE MOST FROM YOUR CARDS • Clearly see your purchases with cleaned up merchant names, location on a map and store info • Keep a close eye on your spending with spend summaries to see where you’re using your card online and in-store. • Get 24-hour self-service at your fingertips. Activate cards, tell us when you’re traveling, and report cards lost or stolen. • Stay in control with real-time alerts and controls. Lock your card, set spending limits and determine where your card can be used. PERFORM TRANSACTIONS • Deposit a check and manage pending deposits • Make a payment to your loan or credit card • Setup and manage transfers • Pay bills and view payment history • Manage your budget ADD A SERVICE • Open an account • Apply for a loan • Enroll in CU Online RESOURCES • Schedule an appointment with a FORUM representative • Find an ATM or Branch Location • View your FICO® Score • Securely communicate with FORUM • Savings and loan Calculators • eStatements and Documents • Member Forms • Receive FORUM news and updates Disclosure Some features may be available for eligible accounts and members only. Face ID and Touch ID are registered trademarks of Apple, Inc. FICO is a registered trademark of Fair Issac Corporation in the United States and other countries. Message and data rates may apply. Such charges include those from your communications service provider. Alerts may be delayed or undelivered for various reasons, including service outages affecting your phone, wireless, or internet provider; technology failures; and system capacity limitations. Deposit products are federally insured by NCUA Equal Opportunity Lender
Elements Mobile Banking
Manage your finances conveniently and securely. This app allows you to easily pay bills, track transactions, and access all your account information anytime, anywhere. Enjoy peace of mind with robust security features designed to protect your personal data.
- Check balances and account history
- View pending transactions
- Pay bills
- Deposit paper checks
- Transfer funds
- Secure messaging
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Bank from wherever you are with Elements Mobile Banking. Check balances, view account details, and make or edit payments—all securely from your mobile device. As a member‑owned credit union, Elements is committed to making banking simple, secure, and accessible. Digital banking plays an important role in how we support our members by giving you the tools you need to manage your money with confidence—anytime, anywhere. Features include: Dashboard Manage all your Elements accounts in one easy‑to‑view dashboard. See available funds, track savings goals, review upcoming payments, view deposits, and access personalized insights—all in one clear, simple screen. Accounts View and manage your cash accounts digitally. Review recent transactions, check current balances, and search for specific payments or deposits with ease. Bill Pay Schedule or manually make bill payments through our easy‑to‑use bill pay system to stay organized and on track. Fund Transfers Send money to and from your connected accounts quickly and securely using our simple fund transfer tools.
Screenshots
Verdict
The clearest difference is rating: Elements Mobile Banking at 4.4 against FORUM Credit Union's 3.4. Elements Mobile Banking also leads on review sentiment (67% vs 29%) and ratings volume (1.2K vs 75). FORUM Credit Union's advantage is monetization model (free vs free with in-app purchases) and update cadence (every 6 weeks vs every 4 months). On price, ads, in-app purchases and device support 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. Neither carries in-app purchases, so what you see is what you pay.
Elements Mobile Banking holds the better App Store score, 4.4 against 3.4. That said, the two scores are not equally well evidenced: Elements Mobile Banking has 1.2K ratings behind it against 75, so its average is the more settled of the two. Written reviews point the same way: 29% of FORUM Credit Union's written reviews are positive against 67% of Elements Mobile Banking's.
FORUM Credit Union ships an update every 6 weeks, Elements Mobile Banking every 4 months. The most recent releases landed on October 16, 2026 and October 14, 2026 respectively.
| Parameter | FORUM Credit Union | Elements Mobile Banking |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (75 ratings) | 4.4 (1.2K ratings) — better |
| Positive reviews | 29.0% of reviews | 67.0% of reviews — better |
| Number of ratings | 75 | 1.2K — better |
| Update frequency | Every 6 weeks — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Requires iOS | 15 — better | 16.0 |
| Further details — not scored | ||
| Size | 79 MB | 41 MB |
| Age rating | 4+ | 4+ |
| Developer | FORUM Credit Union | Elements Financial Federal Credit Union |
Customer experience
FORUM Credit Union
Elements Mobile Banking
User reviews
FORUM Credit Union
From 75 App Store ratingsWhat we love
- 👍 Easy to use (historically)
- 👍 Convenient for on-the-go access
- 👍 Good for basic account viewing
- 👍 Touch ID and credit card info added (in 2017)
- 👍 Budgeting tools (historically)
Room to improve
- 🐛 App is unreliable
- 🐛 Constantly logs out/locks out
- 🐛 Credit card section broken/slow
- 🐛 Scrolling issues on iPad
- 🐛 Font changes make app hard to read
Elements Mobile Banking
From 1.2K App Store ratingsWhat we love
- 🚀 Easy to use
- 🚀 Convenient banking features
- 🚀 Reliable app performance
- 🚀 Seamless integration with website
- 🔒 Secure banking experience
Room to improve
- 🐛 Frequent crashes and errors
- 🐛 Slow and unresponsive app
- 🐛 Confusing bill pay functionality
- 🐛 Inconsistent user interface
- 🔋 High battery consumption
Bugs and requests
FORUM Credit Union
Reported bugs
37 issues- Scrolling impossible on iPad
- 7.0 update changes font making app hard to read
- Credit card portion not working well or at all
- Minimum payment does not match statement amount
- Credit card still never loads to see transactions
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- App begs for notifications when accessing credit card
- Takes forever to load credit card transactions
- Loads debit card details instead of credit card
- Mobile deposit buttons frozen and unresponsive
- Mobile deposit process unreliable
- Never works and constantly logs me out then locks me out
- Card management is never available
- App crashes when editing or adding budget categories
- Mobile check deposit never works due to app errors
- App won't let me mobile deposit, says 'check eligibility' but doesn't explain how
- App keeps saying 'folded corners' on checks when they aren't folded
- Have to try and log on multiple times just to get in
- App is down most of the time
- App crashes constantly
- Changing tabs almost always means re-entering password or Face-ID
- App crashes when trying to view MasterCard charges
- App won't let me update through the App Store, even after deleting and reinstalling
- App stopped automatically logging out when closed
- Login screen disappeared after update
- Login disappeared on iPad after update
- App acts up after iPad update, requires constant re-entry of verification codes
- Can't login with new iPad iOS
- No ability to login on iPad after iOS update
- Log In button disappeared after upgrading to iOS 8.3
- Mobile deposit crashes every time when taking photos of check
- App closes every time when trying to take a picture of the check for deposit
- Depositing check from phone no longer works, app shuts down when taking picture
- Newest update converts account into British pounds
- DepoZip would not work, error when taking pic of back of check (low light)
- Doesn't log you in, takes more than 5 minutes to do so
- Withdrawal or deposit amounts not matching website printout
- Bill pay - can't scroll payees, only first 7 or so can be paid
Requested features
26 requests- Bring back the old app version
- Change font back to previous
- Fix credit card section loading/functionality
- Improve scrolling on iPad
- Add option to dispute charges
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- Fix mobile deposit issues (frozen buttons, unresponsiveness)
- Add budget viewing on mobile
- Add ability to add outside accounts for payments
- Fix bill pay errors
- Improve login reliability and speed
- Add 'remember me' option for login
- Add Touch ID access (older request, but relevant if removed)
- Add passbook access (older request)
- Add feature for users to submit feedback within the app
- Add feature to find locations on home screen without login
- Add pending charges and release date features back
- Show checking/savings balance under transaction amount
- Send notifications for all money in/out
- Improve UI/UX to be more intuitive
- Add native iOS functionality
- Utilize app lock feature for security
- Update to a new iOS 7 look
- Add username remembering
- Add ability to transfer funds between people
- Add loan calculators and budgeting tools (already present in some versions, but requested)
- Fix currency conversion issues
Elements Mobile Banking
Reported bugs
4 issues- Login screen freezes
- Mobile check deposit issues
- Unexpected errors when opening the app
- Inability to properly edit payee information
Requested features
5 requests- Improved bill pay experience
- Ability to view account interest rates
- Qualifying transactions counter for promotions
- Option to remember device and avoid repeated authentication
- Seamless integration with external accounts and cards
In-app purchases
FORUM Credit Union
No in-app purchases
Elements Mobile Banking
No in-app purchases
Questions
Is FORUM Credit Union free?
Is Elements Mobile Banking free?
Which has better reviews, FORUM Credit Union or Elements Mobile Banking?
Do FORUM Credit Union or Elements Mobile Banking have ads?
Which is updated more often, FORUM Credit Union or Elements Mobile Banking?
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