Firstmark Credit Union vs Proficient ONE
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Firstmark Credit Union
Manage your finances on the go with this banking app. Securely access your accounts, transfer funds, pay bills, and deposit checks. It also offers features for loan applications, card controls, and finding nearby financial centers.
- Secure login (Touch ID/facial recognition)
- View account activity and balances
- Fund transfers
- Bill pay
- Mobile check deposit
- Loan applications
- Debit/Credit card controls
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Features and Services: • Secure login with Touch ID or facial recognition • View account activity and balances • Transfer funds to and from connected accounts • Pay bills • Link external accounts • Deposit checks with Mobile Deposit • View Electronic Statements • Connect with Firstmark by message or phone • Manage account and security alerts • Locate the nearest Firstmark financial center or free ATM • Apply for loans or open additional accounts • Make loan payments • Debit and Credit Card controls • View Mortgage loan account activity • View credit score
Proficient ONE
Manage your benefit accounts like HSAs, FSAs, and HRAs with ease. Track balances, submit claims by scanning, make quick payments, and receive instant notifications.
- Benefit account management
- Scan-to-enter claims
- Fast payments
- Instant notices
- Account balance tracking
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Your money, faster. It’s never been easier to use your benefit accounts – HSAs FSAs HRAs, and more. Everything you need, all right here: account balances, scan-to-enter claims (no typing!), fast payments, and instant notices.
Screenshots
Verdict
The clearest difference is update cadence: Proficient ONE at every 4 weeks against Firstmark Credit Union's every 6 months. Firstmark Credit Union's advantage is ratings volume (13K vs 85) and review sentiment (85% vs 75%). On price, rating, 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.
On the App Store both sit at effectively the same score — 4.9 for Firstmark Credit Union against 4.9 for Proficient ONE. That said, the two scores are not equally well evidenced: Firstmark Credit Union has 13K ratings behind it against 85, so its average is the more settled of the two. Written reviews are what separate them: 85% of Firstmark Credit Union's written reviews are positive against 75% of Proficient ONE's.
Firstmark Credit Union ships an update every 6 months, Proficient ONE every 4 weeks. The most recent releases landed on November 6, 2026 and November 5, 2026 respectively.
| Parameter | Firstmark Credit Union | Proficient ONE |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (13K ratings) — better | 4.9 (85 ratings) |
| Positive reviews | 85.1% of reviews — better | 75.0% of reviews |
| Number of ratings | 13K — better | 85 |
| Update frequency | Every 6 months | Every 4 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 15 — better |
| Further details — not scored | ||
| Size | 31 MB | 78 MB |
| Age rating | 4+ | 4+ |
| Developer | Firstmark Credit Union | Elevate CDB Inc |
Customer experience
Firstmark Credit Union
Proficient ONE
Bugs and requests
Firstmark Credit Union
Reported bugs
3 issues- Face ID/fingerprint login issues
- Inconsistent check deposit functionality
- Incorrect transaction categorization
Requested features
3 requests- Ability to view full transaction history
- Option to add notes to transactions
- Twice-per-month bill pay scheduling
Proficient ONE
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Firstmark Credit Union
No in-app purchases
Proficient ONE
No in-app purchases
Questions
Is Firstmark Credit Union free?
Is Proficient ONE free?
Which has better reviews, Firstmark Credit Union or Proficient ONE?
Do Firstmark Credit Union or Proficient ONE have ads?
Which is updated more often, Firstmark Credit Union or Proficient ONE?
Other comparisons
