Comparison

FORUM Credit Union vs Centra Mobile

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

Head to head
About

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.

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
Read full description

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

About

Centra Mobile

Manage your finances on the go with this banking app. Deposit checks, send money, pay bills, and track your spending and budget. You can also manage your debit cards and set up account alerts.

Highlights
  • Deposit checks remotely
  • Send money with Zelle®
  • Manage debit cards
  • Pay bills and set up recurring payments
  • Track spending and balances
  • Create budgets and track income
Features
Read full description

Banking digitally at Centra means you can transfer money, pay bills, send money to friends, and monitor your account activity from anywhere, anytime. Features: DEPOSIT CHECKS Save yourself a trip by quickly snapping photos of your check to deposit into your account. SEND MONEY IN THE MOMENT WITH ZELLE® Send money to friends, family, and others you know and trust. MANAGE YOUR CARDS Protect your money by defining when, where, and how your Centra debit cards are used. PAY BILLS Use Bill Pay to pay bills quickly or create convenient recurring payments. TRACK YOUR SPENDING Stay on top of your transactions and balances by creating customized account alerts. MAKE A BUDGET Meet your savings goals by easily tracking expenses and income. Federally Insured by NCUA.

Screenshots

FORUM Credit Union4 screens
Centra Mobile4 screens

Verdict

The call

The clearest difference is review sentiment: Centra Mobile at 82% against FORUM Credit Union's 29%. Centra Mobile also leads on rating (4.9 vs 3.4) and ratings volume (12K vs 75). FORUM Credit Union's advantage is monetization model (free vs free with in-app purchases). 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

Centra Mobile holds the better App Store score, 4.9 against 3.4. That said, the two scores are not equally well evidenced: Centra Mobile has 12K 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 82% of Centra Mobile's.

UpkeepUpdate frequency

FORUM Credit Union ships an update every 6 weeks, Centra Mobile every 2 months. The most recent releases landed on November 1, 2026 and November 7, 2026 respectively.

Scorecard4 real differences · 6 level
FORUM Credit Union versus Centra Mobile: the parameters behind the verdict, then further details
ParameterFORUM Credit UnionCentra Mobile
PriceFreeFree
Rating3.4 (75 ratings)4.9 (12K ratings) — better
Positive reviews29.0% of reviews82.4% of reviews — better
Number of ratings7512K — better
Update frequencyEvery 6 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15 — better16.0
Further details — not scored
Size79 MB180 MB
Age rating4+4+
DeveloperFORUM Credit UnionCentra Credit Union

Customer experience

FORUM Credit Union

All ratings75 ratings
Positive54.7%
Neutral10.7%
Negative34.7%
Written reviews69 reviews
Positive29.0%
Neutral14.5%
Negative56.5%

Centra Mobile

All ratings12,298 ratings
Positive98.0%
Neutral1.4%
Negative0.6%
Written reviews85 reviews
Positive82.4%
Neutral2.4%
Negative15.3%

User reviews

FORUM Credit Union

From 75 App Store ratings

What 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

Centra Mobile

From 12K App Store ratings

What we love

  • 🚀 Fast and efficient
  • 👍 User-friendly and easy to navigate
  • 💳 Convenient banking features
  • 🔒 Secure and reliable
  • 💡 Great customer service

Room to improve

  • 🐛 Occasional crashes and freezes
  • 🔒 Strict security measures can be inconvenient
  • 💳 Limited functionality for loan payments
  • 🔍 Difficulty finding certain information

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
Show 32 more
  • 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
Show 21 more
  • 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

Centra Mobile

Reported bugs

3 issues
  • Login issues after app update
  • Landscape mode and printing not working
  • Frequent disconnections of external accounts

Requested features

4 requests
  • Ability to pay extra on loan principal
  • Improved Zelle integration
  • More customization options
  • Expanded account linking capabilities

In-app purchases

None

FORUM Credit Union

No in-app purchases

None

Centra Mobile

No in-app purchases

Questions

Is FORUM Credit Union free?
FORUM Credit Union is free to download, with no in-app purchases.
Is Centra Mobile free?
Centra Mobile is free to download, with no in-app purchases.
Which has better reviews, FORUM Credit Union or Centra Mobile?
Centra Mobile is rated higher. FORUM Credit Union averages 3.4 out of 5 from 75 ratings, while Centra Mobile averages 4.9 from 12K ratings.
Do FORUM Credit Union or Centra Mobile have ads?
Neither FORUM Credit Union nor Centra Mobile shows ads.
Which is updated more often, FORUM Credit Union or Centra Mobile?
FORUM Credit Union ships an update every 6 weeks, and Centra Mobile every 2 months. Most recently, FORUM Credit Union was updated on November 1, 2026 and Centra Mobile on November 7, 2026.

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