# Excite Mobile Banking vs JAMS Cloud

The clearest difference is update cadence: JAMS Cloud at every 6 weeks against Excite Mobile Banking's every 4 months. Excite Mobile Banking's advantage is review sentiment (77% vs 67%). On price, rating, ratings volume and ads 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 Excite Mobile Banking against 4.7 for JAMS Cloud. Both are backed by a comparable volume of ratings — 3.1K and 1.1K respectively. Written reviews are what separate them: 77% of Excite Mobile Banking's written reviews are positive against 67% of JAMS Cloud's.

Excite Mobile Banking ships an update every 4 months, JAMS Cloud every 6 weeks. The most recent releases landed on November 10, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | Excite Mobile Banking | JAMS Cloud |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (3.1K ratings)](https://appshunter.io/ios/app/excite-mobile-banking/id441879558/reviews)** | [4.7 (1.1K ratings)](https://appshunter.io/ios/app/jams-cloud/id1451530465/reviews) |
| Number of ratings | **3.1K** | 1.1K |
| Positive reviews | **77.0% of reviews** | 66.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 6 weeks** |
| Monetization | Free | Free |
| Size | 104 MB | 52 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Excite Credit Union](https://appshunter.io/developer/441879561) | [Sheet Metal Workers Local Union No. 104](https://appshunter.io/developer/1451530464) |

## What reviewers say

### Excite Mobile Banking

[App page](https://appshunter.io/ios/app/excite-mobile-banking/id441879558)

Manage your finances conveniently from anywhere with 24/7 access to your accounts. Deposit checks remotely, transfer funds, view statements, and pay bills with ease.  Locate branches and ATMs, set alerts, and even apply for loans.

**Highlights:** 24/7 account access, Remote check deposits, Real-time money transfers, Bill payment and stop payments, Branch and ATM locator, Account alerts, Loan applications

**Features:** Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient banking
- 🚀 Easy to use
- 💡 Helpful app
- 🚀 Intuitive design
- 👍 Reliable

**What reviewers complain about**

- 🐛 Frequent errors/app not working
- 🐛 Check deposit issues
- 🐛 Camera not working for check deposits
- 🐛 Login issues for additional users
- 🐛 Inconsistent performance

**Reported bugs**

- Check deposit feature not working
- Camera issues for check deposits
- Login problems for additional users
- Frequent errors and app not working
- Compatibility issues with new iOS versions

**Requested features**

- Facial recognition login
- Ability to pay credit card bills within the app
- Cash deposit functionality
- Improved ATM locator with dynamic map updates


### JAMS Cloud

[App page](https://appshunter.io/ios/app/jams-cloud/id1451530465)

Manage your union membership and employment details conveniently. This app allows you to handle payments, update your information, view reports, and receive important union notices.

**Highlights:** Manage Autopay and one-time payments, Update skills and certifications, View and download dispatch reports, Update contact information, Receive membership payment reminders, View employment and hours history

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Accommodating and accessible
- 👍 User-friendly app
- 👍 Great way to pay dues
- 👍 Thorough

**What reviewers complain about**

- 🐛 Login issues
- 🐛 Doesn't remember user info
- 🐛 Crashes after verifying info
- 🐛 Touch ID doesn't work

**Reported bugs**

- Login screen freezes
- Incompatible with older devices
- Can't save name or password

**Requested features**

- Allow more control over 401k, healthcare, etc.
- Bring back past employer comments
- Improve notification settings


## Frequently asked questions

### Is Excite Mobile Banking free?

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

### Is JAMS Cloud free?

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

### Which has better reviews, Excite Mobile Banking or JAMS Cloud?

Excite Mobile Banking is rated higher. Excite Mobile Banking averages 4.8 out of 5 from 3.1K ratings, while JAMS Cloud averages 4.7 from 1.1K ratings.

### Do Excite Mobile Banking or JAMS Cloud have ads?

Neither Excite Mobile Banking nor JAMS Cloud shows ads.

### Which is updated more often, Excite Mobile Banking or JAMS Cloud?

Excite Mobile Banking ships an update every 4 months, and JAMS Cloud every 6 weeks. Most recently, Excite Mobile Banking was updated on November 10, 2026 and JAMS Cloud on November 6, 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.*