# Harborstone Mobile vs BECU

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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

## The numbers

| Metric | Harborstone Mobile | BECU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (4.4K ratings)](https://appshunter.io/ios/app/harborstone-mobile/id418248045/reviews) | **[4.8 (70K ratings)](https://appshunter.io/ios/app/becu/id465186865/reviews)** |
| Number of ratings | 4.4K | **70K** |
| Positive reviews | **65.9% of reviews** | 59.9% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | **Free** | Ad-supported |
| Size | 109 MB | 102 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Harborstone Credit Union](https://appshunter.io/developer/418248048) | [BECU](https://appshunter.io/developer/465186868) |

## What reviewers say

### Harborstone Mobile

[App page](https://appshunter.io/ios/app/harborstone-mobile/id418248045)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


### BECU

[App page](https://appshunter.io/ios/app/becu/id465186865)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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**

- 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


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