# First Source vs UGEFCU Mobile

First Source and UGEFCU Mobile both sit at 4.8 stars, but that hides the real split: 39% of First Source's written reviews are positive against 0% of UGEFCU Mobile's. First Source also leads on update cadence (monthly vs every 5 months) and ratings volume (5.9K vs 147). UGEFCU Mobile's advantage is monetization model (ad-supported vs free with in-app purchases). On price, rating, ads and in-app purchases 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 First Source against 4.9 for UGEFCU Mobile. That said, the two scores are not equally well evidenced: First Source has 5.9K ratings behind it against 147, so its average is the more settled of the two. Written reviews are what separate them: 39% of First Source's written reviews are positive against 0% of UGEFCU Mobile's.

First Source ships an update monthly, UGEFCU Mobile every 5 months. The most recent releases landed on October 1, 2026 and September 27, 2026 respectively.

## The numbers

| Metric | First Source | UGEFCU Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (5.9K ratings)](https://appshunter.io/ios/app/first-source/id430022181/reviews) | **[4.9 (147 ratings)](https://appshunter.io/ios/app/ugefcu-mobile/id1504692775/reviews)** |
| Number of ratings | **5.9K** | 147 |
| Positive reviews | **39.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 5 months |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 126 MB | 114 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [First Source Federal Credit Union](https://appshunter.io/developer/430022184) | [UTICA GAS & ELECTRIC FEDERAL CREDIT UNION](https://appshunter.io/developer/1504692774) |

## What reviewers say

### First Source

[App page](https://appshunter.io/ios/app/first-source/id430022181)

Manage your finances on the go with this free mobile banking app. Access accounts, transfer funds, pay bills, deposit checks, and find ATMs securely. Features include aggregated accounts, card controls, and secure messaging.

**Highlights:** Manage accounts and cards, View balances and transactions, Transfer money, Pay bills and friends, Deposit checks, Find branches and ATMs, Aggregated accounts, Card controls

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- ⭐ Excellent service
- 💻 Convenient mobile app
- 🏦 Community-focused credit union
- 🤝 Helpful staff

**What reviewers complain about**

- 🐛 Frequent crashes and stability issues
- 📱 Compatibility problems on certain devices
- 🔒 Security and login issues
- 🔄 Inconsistent app updates

**Reported bugs**

- Unable to log in after recent update
- Check deposit feature not working consistently
- Accounts not syncing properly

**Requested features**

- Landscape mode support for iPad
- Improved transaction details and search
- Real-time balance updates
- Apple Pay integration


### UGEFCU Mobile

[App page](https://appshunter.io/ios/app/ugefcu-mobile/id1504692775)

Manage your finances securely and conveniently from anywhere with this mobile banking application. Easily check balances, transfer funds, make deposits, pay bills, and view transactions on the go.

**Highlights:** Check account balance, Transfer money, Make mobile deposits, Pay bills, View transaction history

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is First Source free?

First Source is free to download, with no in-app purchases.

### Is UGEFCU Mobile free?

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

### Which has better reviews, First Source or UGEFCU Mobile?

UGEFCU Mobile is rated higher. First Source averages 4.8 out of 5 from 5.9K ratings, while UGEFCU Mobile averages 4.9 from 147 ratings.

### Do First Source or UGEFCU Mobile have ads?

Neither First Source nor UGEFCU Mobile shows ads.

### Which is updated more often, First Source or UGEFCU Mobile?

First Source ships an update monthly, and UGEFCU Mobile every 5 months. Most recently, First Source was updated on October 1, 2026 and UGEFCU Mobile on September 27, 2026.

---

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