# EdFed vs PEFCU Mobile Banking

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.

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.

## The numbers

| Metric | EdFed | PEFCU Mobile Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (127 ratings)](https://appshunter.io/ios/app/edfed/id433267554/reviews) | **[4.9 (13K ratings)](https://appshunter.io/ios/app/pefcu-mobile-banking/id460813034/reviews)** |
| Number of ratings | 127 | **13K** |
| Positive reviews | 28.0% of reviews | **52.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 120 MB | 69 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Educational Federal Credit Union](https://appshunter.io/developer/1386231695) | [Publix Employees Federal Credit Union](https://appshunter.io/developer/460813037) |

## What reviewers say

### EdFed

[App page](https://appshunter.io/ios/app/edfed/id433267554)

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.

**Highlights:** Account management, Check image viewing, Transaction history, Bill payment scheduling, Remote check deposit, ATM locator

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Fast performance (sometimes)
- 💡 Convenient for basic banking
- ✅ Works great on iPhone
- ✅ Old app was functional

**What reviewers complain about**

- 🐛 Frequent bugs and glitches
- 🐛 App crashes often
- 🐛 Login issues (locked out, wrong password)
- 🐛 Mobile deposit not working
- 🐛 Slow loading times

**Reported bugs**

- 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

**Requested features**

- Zelle integration
- Improved mobile deposit functionality
- Bill pay improvements
- Full transaction history access
- FaceID/TouchID/Biometric login


### PEFCU Mobile Banking

[App page](https://appshunter.io/ios/app/pefcu-mobile-banking/id460813034)

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.

**Highlights:** New look and feel, Pay a person by phone number or email, Move money between accounts, Transfer to other financial institutions, Remote banking

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🔒 Protections provided
- 👍 Accessibility
- 👍 Convenient
- 👍 Helpful customer service

**What reviewers complain about**

- 🐛 Frequent crashes
- 🐛 Unreliable mobile banking
- 🐛 Slow performance
- 🐛 Buggy app
- 🐛 Constant maintenance issues

**Reported bugs**

- Login screen freezes
- Incompatible with older devices
- Transactions not showing accurate dates
- Mobile deposits not working
- Face/fingerprint unlock not functioning

**Requested features**

- Faster fund transfers
- External bank account integration
- 24/7 customer support
- Improved bill pay system
- Customizable account views


## Frequently asked questions

### Is EdFed free?

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

### Is PEFCU Mobile Banking free?

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

### Which has better reviews, EdFed or PEFCU Mobile Banking?

PEFCU Mobile Banking is rated higher. EdFed averages 3.0 out of 5 from 127 ratings, while PEFCU Mobile Banking averages 4.9 from 13K ratings.

### Do EdFed or PEFCU Mobile Banking have ads?

Neither EdFed nor PEFCU Mobile Banking shows ads.

### Which is updated more often, EdFed or PEFCU Mobile Banking?

EdFed ships an update monthly, and PEFCU Mobile Banking every 3 weeks. Most recently, EdFed was updated on October 13, 2026 and PEFCU Mobile Banking on October 18, 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.*