Comparison

Harborstone Mobile vs BECU

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
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

BECU

Manage all your financial accounts, both BECU and external, in one place. Track spending, review balances, and handle everyday banking tasks like transfers and mobile check deposits with a user-friendly interface.

Highlights
  • Consolidate BECU and non-BECU accounts
  • Budget based on spending history
  • Locate ATMs and credit unions
  • Transfer funds
  • Deposit checks
  • Pay bills
Read full description

Manage your finances in the palm of your hand: BECU’s app is designed to bring budgeting to your phone. Use the unique features to view not only your BECU accounts but also your credit cards, bank accounts and loans held elsewhere. The colorful, friendly design helps you track spending, review outstanding balances and expenses. The updated app also allows easy everyday banking. From transferring funds to locating ATMs and the ever popular mobile check deposit feature, it’s your money, simplified. BECU App Features and Benefits: • Combine and view your BECU and non-BECU financial accounts in one place • Budget based on your spending, income, debt and expense history • Locate the nearest BECU, ATM or shared branching partner credit union • Transfer funds • Deposit checks • View accounts • Pay bills and view payees • Review Alerts • Updated design and expansive user experience

Screenshots

Harborstone Mobile4 screens
BECU4 screens

Verdict

The call

The clearest difference is ratings volume: BECU at 70K against Harborstone Mobile's 4.4K. BECU also leads on iOS requirement (13.0 vs 16.0). Harborstone Mobile's advantage is monetization model (free vs ad-supported). On price, rating, review sentiment 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 BECU. That said, the two scores are not equally well evidenced: BECU has 70K ratings behind it against 4.4K, so its average is the more settled of the two. Written reviews are what separate them: 66% of Harborstone Mobile's written reviews are positive against 60% of BECU's.

UpkeepUpdate frequency

Harborstone Mobile ships an update every 3 months, BECU every 2 months. Both last shipped on September 29, 2026.

Scorecard3 real differences · 7 level
Harborstone Mobile versus BECU: the parameters behind the verdict, then further details
ParameterHarborstone MobileBECU
PriceFreeFree
Rating4.8 (4.4K ratings)4.8 (70K ratings) — better
Positive reviews65.9% of reviews — better59.9% of reviews
Number of ratings4.4K70K — better
Update frequencyEvery 3 monthsEvery 2 months — better
AdsYesYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, Apple WatchiPhone, iPad, iPod
Requires iOS16.013.0 — better
Further details — not scored
Size109 MB102 MB
Age rating4+4+
DeveloperHarborstone Credit UnionBECU

Customer experience

Harborstone Mobile

All ratings4,167 ratings
Positive95.4%
Neutral2.1%
Negative2.4%
Written reviews88 reviews
Positive65.9%
Neutral5.7%
Negative28.4%

BECU

All ratings66,878 ratings
Positive97.6%
Neutral1.0%
Negative1.5%
Written reviews464 reviews
Positive59.9%
Neutral8.2%
Negative31.9%

User reviews

Harborstone Mobile

From 4.4K 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

BECU

From 70K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Convenient mobile banking
  • 💡 Helpful budgeting and spending tracking features
  • 🔒 Secure login process
  • 👍 Intuitive and user-friendly interface

Room to improve

  • 🐛 Transactions not syncing properly
  • 🐛 Buggy and unreliable app performance
  • 🔍 Lacking important features available on website
  • 🤔 Confusing or unintuitive app design
  • 🔍 Limited functionality compared to expectations

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

BECU

Reported bugs

4 issues
  • Inconsistent transaction reporting between app and website
  • Messaging/chat feature not functioning properly
  • Mobile check deposit often fails to recognize correct amounts
  • Frequent login issues and challenges with multi-factor authentication

Requested features

5 requests
  • Add ability to make loan payments and view statements within the app
  • Improve transaction search and categorization tools
  • Provide option to customize budget categories and time periods
  • Integrate credit score checking functionality
  • Allow linking of external bank accounts for a more holistic view

In-app purchases

None

Harborstone Mobile

No in-app purchases

None

BECU

No in-app purchases

Questions

Is Harborstone Mobile free?
Harborstone Mobile is free to download, with no in-app purchases.
Is BECU free?
BECU is free to download, with no in-app purchases.
Which has better reviews, Harborstone Mobile or BECU?
BECU is rated higher. Harborstone Mobile averages 4.8 out of 5 from 4.4K ratings, while BECU averages 4.8 from 70K ratings.
Do Harborstone Mobile or BECU have ads?
Both Harborstone Mobile and BECU show ads.
Which is updated more often, Harborstone Mobile or BECU?
Harborstone Mobile ships an update every 3 months, and BECU every 2 months. Most recently, Harborstone Mobile was updated on September 29, 2026 and BECU on September 29, 2026.

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