# FORUM Credit Union vs Elements Mobile Banking

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.

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.

## The numbers

| Metric | FORUM Credit Union | Elements Mobile Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (75 ratings)](https://appshunter.io/ios/app/forum-credit-union/id414909402/reviews) | **[4.4 (1.2K ratings)](https://appshunter.io/ios/app/elements-mobile-banking/id507239961/reviews)** |
| Number of ratings | 75 | **1.2K** |
| Positive reviews | 29.0% of reviews | **67.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 4 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 79 MB | 41 MB |
| Requires iOS | **15** | 16.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [FORUM Credit Union](https://appshunter.io/developer/414909405) | [Elements Financial Federal Credit Union](https://appshunter.io/developer/507239964) |

## What reviewers say

### FORUM Credit Union

[App page](https://appshunter.io/ios/app/forum-credit-union/id414909402)

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.

**Highlights:** Mobile check deposit, Bill payment, Account balance and history, Card management and controls, Branch and ATM locator, Account alerts, Loan and account applications

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 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)

**What reviewers complain about**

- 🐛 App is unreliable
- 🐛 Constantly logs out/locks out
- 🐛 Credit card section broken/slow
- 🐛 Scrolling issues on iPad
- 🐛 Font changes make app hard to read

**Reported bugs**

- 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

**Requested features**

- 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


### Elements Mobile Banking

[App page](https://appshunter.io/ios/app/elements-mobile-banking/id507239961)

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.

**Highlights:** Check balances and account history, View pending transactions, Pay bills, Deposit paper checks, Transfer funds, Secure messaging

**Features:** Apple Wallet, Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🚀 Convenient banking features
- 🚀 Reliable app performance
- 🚀 Seamless integration with website
- 🔒 Secure banking experience

**What reviewers complain about**

- 🐛 Frequent crashes and errors
- 🐛 Slow and unresponsive app
- 🐛 Confusing bill pay functionality
- 🐛 Inconsistent user interface
- 🔋 High battery consumption

**Reported bugs**

- Login screen freezes
- Mobile check deposit issues
- Unexpected errors when opening the app
- Inability to properly edit payee information

**Requested features**

- 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


## Frequently asked questions

### Is FORUM Credit Union free?

FORUM Credit Union is free to download, with no in-app purchases.

### Is Elements Mobile Banking free?

Elements Mobile Banking is free to download, with no in-app purchases.

### Which has better reviews, FORUM Credit Union or Elements Mobile Banking?

Elements Mobile Banking is rated higher. FORUM Credit Union averages 3.4 out of 5 from 75 ratings, while Elements Mobile Banking averages 4.4 from 1.2K ratings.

### Do FORUM Credit Union or Elements Mobile Banking have ads?

Neither FORUM Credit Union nor Elements Mobile Banking shows ads.

### Which is updated more often, FORUM Credit Union or Elements Mobile Banking?

FORUM Credit Union ships an update every 6 weeks, and Elements Mobile Banking every 4 months. Most recently, FORUM Credit Union was updated on October 16, 2026 and Elements Mobile Banking on October 14, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*