Comparison

Harborstone Mobile vs ACU Mobile Banking

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

Head to head
About

Harborstone Mobile

Manage your credit union accounts on the go with secure login, balance checks, and fund transfers. Deposit checks, pay bills, and access branch information directly from your iPhone or iPad.

Highlights
  • Secure login with username/password
  • Touch ID™ for quick access
  • Check account balances and rates
  • Mobile check deposit
  • Transfer funds between accounts
  • Send money with Popmoney
  • Pay bills nationwide
  • View Debit Purchase Rewards
Features
Read full description

Enjoy a seamless mobile experience designed exclusively for the iPhone, iPad, and iPod touch. You’ll have free instant access to your Harborstone Credit Union accounts. • Log in securely with the same username and password you use on Harborstone.com. • Enjoy quicker access with Touch ID™, available for supported iPhone 5s, iPhone 6, iPhone 6 Plus, iPhone 6s, and iPhone 6s Plus devices with iOS 8 and higher. • Check balances and rates on all your Harborstone accounts, including checking, savings, and more. • Deposit checks into your checking account using the camera on your iPhone or iPad. • Transfer funds quickly and easily between your Harborstone accounts. • Use Popmoney to transfer money from your Harborstone account to practically anyone. All you need is the person's name and email address or phone number of a text-enabled mobile phone. • Pay bills with speed and security in just minutes to nearly any biller nationwide. • Add a payee for bill payments on your iPhone. • View and activate your Debit Purchase Rewards cash‐back offers. • Map locations and contact information for all of our convenient branches. • Take advantage of loan preapprovals or apply online through “My Offers.” Harborstone Credit Union has branch locations in King, Pierce, and Thurston counties to serve our members. That means we’re big enough to offer a wide variety of products and services yet small enough to offer a pleasant and personable atmosphere. As a member‐owned community credit union, anyone in Washington State can join. From our roots as McChord Credit Union (founded in 1955 on McChord Air Force Base) and Prevail Credit Union (founded in 1940 as King County Employees Credit Union) to our combined bright future as Harborstone Credit Union, we provide financial services and a trusted source of financial help when needed for the membership we serve. Read about the policies and guidelines that govern the privacy of your personal information. http://www.harborstone.com/home/fiFiles/static/documents/PrivacyPolicyInsert.pdf

About

ACU Mobile Banking

Manage your finances quickly and conveniently on the go. Access your accounts, view transactions, and perform banking tasks from anywhere, at any time.

Highlights
  • Manage finances on the go
  • Quick and convenient access
  • Anytime, anywhere banking
  • Account management
  • Transaction viewing
Features
Read full description

ACU Mobile Banking offers members a quick and convenient way to manage their finances anytime, anywhere.

Screenshots

Harborstone Mobile4 screens
ACU Mobile Banking4 screens

Verdict

The call

Harborstone Mobile and ACU Mobile Banking both sit at 4.8 stars, but that hides the real split: 69% of Harborstone Mobile's written reviews are positive against 59% of ACU Mobile Banking's. On price, rating, ratings volume and update cadence 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 — 4.8 for Harborstone Mobile against 4.8 for ACU Mobile Banking. Both are backed by a comparable volume of ratings — 5.2K and 4K respectively. Written reviews are what separate them: 69% of Harborstone Mobile's written reviews are positive against 59% of ACU Mobile Banking's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 months. Both last shipped on November 6, 2026.

Scorecard1 real difference · 9 level
Harborstone Mobile versus ACU Mobile Banking: the parameters behind the verdict, then further details
ParameterHarborstone MobileACU Mobile Banking
PriceFreeFree
Rating4.8 (5.2K ratings) — better4.8 (4K ratings)
Positive reviews68.9% of reviews — better58.8% of reviews
Number of ratings5.2K — better4K
Update frequencyEvery 3 monthsEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, Apple WatchiPhone, iPad, iPod
Requires iOS17.016 — better
Further details — not scored
Size114 MB30 MB
Age rating4+4+
DeveloperHarborstone Credit UnionAmerica's Credit Union

Customer experience

Harborstone Mobile

All ratings5,214 ratings
Positive95.1%
Neutral2.2%
Negative2.7%
Written reviews90 reviews
Positive68.9%
Neutral5.6%
Negative25.6%

ACU Mobile Banking

All ratings3,987 ratings
Positive95.1%
Neutral2.0%
Negative3.0%
Written reviews68 reviews
Positive58.8%
Neutral4.4%
Negative36.8%

User reviews

Harborstone Mobile

From 5.2K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Convenient mobile banking
  • 🔒 Secure app
  • 💡 Great credit union experience

Room to improve

  • 🐛 Frequent app crashes
  • 🐛 Unreliable account balances
  • 🐛 Mobile check deposit issues
  • 🐛 Slow and clunky UI

ACU Mobile Banking

From 4K App Store ratings

What we love

  • 🚀 Convenient app
  • 🔒 Secure banking
  • 👍 Easy to use
  • 👍 Helpful customer service

Room to improve

  • 🐛 Frequent crashes and bugs
  • 🐛 Unreliable app functionality
  • 🐛 Difficult navigation after updates
  • 🔋 High battery consumption

Bugs and requests

Harborstone Mobile

Reported bugs

3 issues
  • Login issues after app updates
  • Incorrect account balances displayed
  • Mobile check deposit not working

Requested features

4 requests
  • Bring back balance widget
  • Add more account details and transaction history
  • Improve mobile check deposit process
  • Enhance app stability and performance

ACU Mobile Banking

Reported bugs

4 issues
  • Login screen freezes
  • Accounts not syncing properly
  • Mobile deposit not working consistently
  • App frequently goes down for maintenance

Requested features

4 requests
  • Add option to dispute credit card charges
  • Improve account transfer process
  • Restore previous app layout and features
  • Add quick balance and biometric login options

In-app purchases

None

Harborstone Mobile

No in-app purchases

None

ACU Mobile Banking

No in-app purchases

Questions

Is Harborstone Mobile free?
Harborstone Mobile is free to download, with no in-app purchases.
Is ACU Mobile Banking free?
ACU Mobile Banking is free to download, with no in-app purchases.
Which has better reviews, Harborstone Mobile or ACU Mobile Banking?
Harborstone Mobile is rated higher. Harborstone Mobile averages 4.8 out of 5 from 5.2K ratings, while ACU Mobile Banking averages 4.8 from 4K ratings.
Do Harborstone Mobile or ACU Mobile Banking have ads?
Neither Harborstone Mobile nor ACU Mobile Banking shows ads.
Which is updated more often, Harborstone Mobile or ACU Mobile Banking?
Harborstone Mobile ships an update every 3 months, and ACU Mobile Banking every 3 months. Most recently, Harborstone Mobile was updated on November 6, 2026 and ACU Mobile Banking on November 6, 2026.

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