EdFed vs PEFCU Mobile Banking
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
EdFed
Manage your finances on the go with this mobile banking app. View account balances, transaction history, and check images. Schedule bill payments and deposit checks remotely. Locate nearby ATMs easily.
- Account management
- Check image viewing
- Transaction history
- Bill payment scheduling
- Remote check deposit
- ATM locator
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Make your life easier with Educational Federal Credit Union’s FREE Mobile Banking Application for iOS. - Manage your accounts -View your check images - View your Transaction History - Schedule new Bill Payments - Deposit Checks from Anywhere - Locate nearest surcharge free ATM's.
PEFCU Mobile Banking
Manage your finances with a modern banking app. Easily pay individuals using their contact information and transfer funds between your accounts and other banks. Enjoy a streamlined remote banking experience.
- New look and feel
- Pay a person by phone number or email
- Move money between accounts
- Transfer to other financial institutions
- Remote banking
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Introducing PEFCUMobile. We offer a brand-new look and feel with cutting-edge new features that will make banking remotely a breeze. PEFCUMobile offers exciting features that give you more power - like the ability to pay a person using just their phone number or email address and move money between your PEFCU accounts and other financial institutions. Enjoy the great new features that PEFCUMobile has to offer. If you enjoy using PEFCUMobile, please rate us on the App Store.
Screenshots
Verdict
The clearest difference is rating: PEFCU Mobile Banking at 4.9 against EdFed's 3.0. PEFCU Mobile Banking also leads on monetization model (free vs free with in-app purchases) and ratings volume (13K vs 127). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PEFCU Mobile Banking holds the better App Store score, 4.9 against 3.0. That said, the two scores are not equally well evidenced: PEFCU Mobile Banking has 13K ratings behind it against 127, so its average is the more settled of the two. Written reviews point the same way: 28% of EdFed's written reviews are positive against 53% of PEFCU Mobile Banking's.
EdFed ships an update monthly, PEFCU Mobile Banking every 3 weeks. The most recent releases landed on October 13, 2026 and October 18, 2026 respectively.
| Parameter | EdFed | PEFCU Mobile Banking |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (127 ratings) | 4.9 (13K ratings) — better |
| Positive reviews | 28.0% of reviews | 52.8% of reviews — better |
| Number of ratings | 127 | 13K — better |
| Update frequency | Monthly | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 120 MB | 69 MB |
| Age rating | 4+ | 4+ |
| Developer | Educational Federal Credit Union | Publix Employees Federal Credit Union |
Customer experience
EdFed
PEFCU Mobile Banking
User reviews
EdFed
From 127 App Store ratingsWhat we love
- 👍 User-friendly interface
- 🚀 Fast performance (sometimes)
- 💡 Convenient for basic banking
- ✅ Works great on iPhone
- ✅ Old app was functional
Room to improve
- 🐛 Frequent bugs and glitches
- 🐛 App crashes often
- 🐛 Login issues (locked out, wrong password)
- 🐛 Mobile deposit not working
- 🐛 Slow loading times
PEFCU Mobile Banking
From 13K App Store ratingsWhat we love
- 🚀 Easy to use
- 🔒 Protections provided
- 👍 Accessibility
- 👍 Convenient
- 👍 Helpful customer service
Room to improve
- 🐛 Frequent crashes
- 🐛 Unreliable mobile banking
- 🐛 Slow performance
- 🐛 Buggy app
- 🐛 Constant maintenance issues
Bugs and requests
EdFed
Reported bugs
45 issues- App locks and denies access after login attempts
- Cannot scan checks for mobile deposit
- Zelle feature not accessible as advertised
- Account registration fails
- Mobile deposit screen is blank or white
Show 40 moreShow fewer
- Face ID function removed, manual login causes lockout
- App rarely functions after name change, blank screens for balances
- Constantly needs reinstallation to work
- Account tab information not visible upon login
- App freezes and glitches
- Transfer completion reported, but funds not transferred
- App gets stuck in settings menu on iPad
- Cannot log out on iPad version, requires force close
- App won't open, closes immediately on launch
- Barely opens, cannot check balance
- App looks cheap and outdated
- App is rudimentary and full of bugs
- App is slow and buggy
- App crashes upon opening on iOS 13
- App reverts to icon on iPad Pro with iOS 13.1.1
- App crashes and says password is wrong
- Password issues even after changing it
- Cannot make simple transfers (savings to checking)
- App shuts down upon login attempt
- Incorrect account balances displayed
- App crashes when selecting an account after login
- App freezes or gets stuck on loading screen
- Cannot review transactions beyond a week
- Account holds listed as both pending and processed
- Charges deducted but not listed
- Username entered, but password field does not appear
- App lags after completing a transfer
- Remote deposit feature disabled
- App times out during login or mid-session logouts
- Cannot see credit card full transaction history or due date
- Language settings under 'Change Password'
- Account holds not seen in the account they are for
- App is slow, unable to open, and crashes
- App force quits on opening
- App crashes with iPad 13.1.1
- App reverts to icon on iPad Pro with iOS 13.1
- App kicks/times out frequently
- Cannot see debit card purchases
- App crashes or times out of login
- App glitches cause ruin
Requested features
12 requests- Zelle integration
- Improved mobile deposit functionality
- Bill pay improvements
- Full transaction history access
- FaceID/TouchID/Biometric login
Show 7 moreShow fewer
- Apple Pay/Card compatibility
- Dark mode
- Visible password option
- Option to disable auto-save account number
- iPad app
- Remote deposit feature enablement
- Update for iPhone X
PEFCU Mobile Banking
Reported bugs
6 issues- Login screen freezes
- Incompatible with older devices
- Transactions not showing accurate dates
- Mobile deposits not working
- Face/fingerprint unlock not functioning
Show 1 moreShow fewer
- Accounts not displaying properly
Requested features
7 requests- Faster fund transfers
- External bank account integration
- 24/7 customer support
- Improved bill pay system
- Customizable account views
Show 2 moreShow fewer
- Notifications for account activity
- Ability to switch between accounts easily
In-app purchases
EdFed
No in-app purchases
PEFCU Mobile Banking
No in-app purchases
Questions
Is EdFed free?
Is PEFCU Mobile Banking free?
Which has better reviews, EdFed or PEFCU Mobile Banking?
Do EdFed or PEFCU Mobile Banking have ads?
Which is updated more often, EdFed or PEFCU Mobile Banking?
Other comparisons
