Smart Financial Mobile vs MemberSource CU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Smart Financial Mobile
Manage your finances on the go with this mobile banking app. Access accounts, transfer funds, pay bills, deposit checks, and find ATMs. Includes budgeting and savings tools for smarter financial decisions.
- Account access anytime, anywhere
- Transaction management
- Fund transfers
- Bill payment
- Check deposit
- ATM locator
- Budgeting tools
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Smart Financial Mobile App simplifies your life. The Smart Financial Mobile App gives you the freedom to conveniently and safely: • Access your account anytime and anywhere • Manage your transactions and view account activities • Transfer funds • Pay bills (enrollment required) • Deposit checks at your convenience • Locate the nearest ATM • Contact Member Services • Receive notifications • View statements (tablet app only) Available tools to help make smarter decisions: • Budgeting • Savings Enjoy new and updated features that include: • User-friendly interface • Balance Peek (enrollment required) • Quick login with Fingerprint ID (enrollment required) • View check images • Mobile banking enrollment • Budgeting tools • Saving tools
MemberSource CU
Manage your finances on the go with this mobile banking application. Access your accounts, view transaction history, transfer funds, and pay bills conveniently from your smartphone. Requires enrollment in online banking.
- Check account balances
- View recent transactions
- Transfer funds between accounts
- Pay bills conveniently
- Access branch services remotely
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MemberSource Credit Union is mobile banking at your fingertips. Members have branch access anytime through the convenience of their phone. App Features: • Check Balances • View recent Transactions • Transfer Funds • Pay Bills You need to be enrolled in Online Banking to use this app. To enroll, visit our website or any location. Mobile banking is free to access, but messaging and data rates may apply.
Screenshots
Verdict
Smart Financial Mobile and MemberSource CU both sit at 4.8 stars, but that hides the real split: 93% of Smart Financial Mobile's written reviews are positive against 38% of MemberSource CU's. Smart Financial Mobile also leads on ads (none vs shown) and update cadence (monthly vs every 3 months). MemberSource CU's advantage is monetization model (free vs ad-supported). On price, rating, in-app purchases and device support 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.
On the App Store both sit at effectively the same score — 4.8 for Smart Financial Mobile against 4.7 for MemberSource CU. That said, the two scores are not equally well evidenced: Smart Financial Mobile has 15K ratings behind it against 915, so its average is the more settled of the two. Written reviews are what separate them: 93% of Smart Financial Mobile's written reviews are positive against 38% of MemberSource CU's.
Smart Financial Mobile ships an update monthly, MemberSource CU every 3 months. The most recent releases landed on November 4, 2026 and November 2, 2026 respectively.
| Parameter | Smart Financial Mobile | MemberSource CU |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (15K ratings) — better | 4.7 (915 ratings) |
| Positive reviews | 93.1% of reviews — better | 37.5% of reviews |
| Number of ratings | 15K — better | 915 |
| Update frequency | Monthly — better | Every 3 months |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 180 MB | 99 MB |
| Age rating | 4+ | 4+ |
| Developer | Smart Financial Credit Union | MemberSource Credit Union |
Customer experience
Smart Financial Mobile
MemberSource CU
Bugs and requests
Smart Financial Mobile
Reported bugs
3 issues- App not loading or logging in properly
- Inaccurate account balance display
- Remote deposit capture issues
Requested features
5 requests- Expand deposit and transfer capabilities
- Improve app stability and reduce crashes
- Provide more customization options (e.g., themes, text size)
- Add search functionality to easily find transactions
- Enhance child account management features
MemberSource CU
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Smart Financial Mobile
No in-app purchases
MemberSource CU
No in-app purchases
Questions
Is Smart Financial Mobile free?
Is MemberSource CU free?
Which has better reviews, Smart Financial Mobile or MemberSource CU?
Do Smart Financial Mobile or MemberSource CU have ads?
Which is updated more often, Smart Financial Mobile or MemberSource CU?
Other comparisons
