Comparison

Arsenal Credit Union vs TerrillFLEX

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Arsenal Credit Union

Manage your finances on the go with this mobile banking app. View account balances, deposit checks, control cards, pay bills, and transfer funds. Connect with representatives for support.

Highlights
  • View account balances
  • Deposit checks
  • Control debit/credit cards
  • Pay bills
  • Transfer money
  • Chat with representatives
Features
Read full description

Take control of your personal finances anytime, anywhere with mobile banking from Arsenal Credit Union. View all of your accounts from a single sign-on so you get a full picture of your financial situation. Check account balances, deposit checks, control cards, pay bills, transfer money and chat with Arsenal representatives with ease.

About

TerrillFLEX

Easily manage your health benefit accounts, including HSA, HRA, and FSA. Check balances, view claims, submit receipts, and make payments securely on the go. Access account details and manage investments with real-time updates.

Highlights
  • Check account balances
  • View account summaries and charts
  • Submit claims with receipts
  • Scan product barcodes for eligibility
  • Manage HSA investments
  • Secure login with Touch/Face ID
Features
Read full description

Make the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply login to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device • Use Touch ID or Face ID to quickly log in to the mobile app Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service • View your statements and notifications • Scan product barcodes to determine their eligibility Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Manage your expenses by entering medical expense information and supporting documentation • View and Manage your HSA investments • Retrieve your forgotten username/password • Report a debit card as lost or stolen Powered by WEX®

Screenshots

Arsenal Credit Union4 screens
TerrillFLEX4 screens

Verdict

The call

The clearest difference is rating: Arsenal Credit Union at 3.1 against TerrillFLEX's 1.0. Arsenal Credit Union also leads on update cadence (every 5 weeks vs every 4 months) and ratings volume (30 vs 1). TerrillFLEX's advantage is monetization model (free vs free with in-app purchases). On price, ads, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Arsenal Credit Union holds the better App Store score, 3.1 against 1.0. That said, the two scores are not equally well evidenced: Arsenal Credit Union has 30 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Arsenal Credit Union ships an update every 5 weeks, TerrillFLEX every 4 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
Arsenal Credit Union versus TerrillFLEX: the parameters behind the verdict, then further details
ParameterArsenal Credit UnionTerrillFLEX
PriceFreeFree
Rating3.1 (30 ratings) — better1.0 (1 ratings)
Positive reviews62.5% of reviews—
Number of ratings30 — better1
Update frequencyEvery 5 weeks — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better17.0
Further details — not scored
Size179 MB29 MB
Age rating4+17+
DeveloperArsenal Credit UnionMarsh & McLennan Agency

Bugs and requests

Arsenal Credit Union

Reported bugs

29 issues
  • App glitches constantly
  • App freezes and fails when transferring money
  • Continuously reset password to log in
  • Login locks out again after reset
  • "Are you a human" checkbox errors out
Show 24 more
  • App loading into different account overview screens
  • Transfers not successfully going through
  • App crashes 4-5 times to make 1 deposit
  • App won't open on iPhone 14
  • App keeps timing out
  • Login screen is terrible
  • No longer does Face ID
  • Transaction within the app is inconsistent and unreliable
  • Slow loading screens
  • Constant issues with new app
  • Lack of consistency and overall unreliability
  • Have to call in to ensure transfers worked
  • Removed option to pay credit card bill online
  • Loan payment feature has ceased to work
  • Home screen has disappeared
  • Two "more" buttons instead of home screen
  • Cannot check balance or view recent transactions
  • App is commonly down or won't load account information
  • Individual features are frequently down
  • Bank has very specific things for deposit endorsement
  • Rejects deposit for not being exactly right
  • Auto loan payment says contact customer support
  • Trying to get perfect picture of check for E Deposit is next to impossible
  • Endorsement on the back is too sensitive

Requested features

11 requests
  • Bring back the old app
  • Add Face ID login
  • Improve bill pay functionality
  • Allow credit card payment online
  • Add iPad app
Show 6 more
  • Improve check deposit process
  • See credit card purchases
  • See pending/outgoing payments
  • See automatic deductions
  • Add more features
  • Update for iPhone 5

TerrillFLEX

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Arsenal Credit Union

No in-app purchases

None

TerrillFLEX

No in-app purchases

Questions

Is Arsenal Credit Union free?
Arsenal Credit Union is free to download, with no in-app purchases.
Is TerrillFLEX free?
TerrillFLEX is free to download, with no in-app purchases.
Which has better reviews, Arsenal Credit Union or TerrillFLEX?
Arsenal Credit Union is rated higher. Arsenal Credit Union averages 3.1 out of 5 from 30 ratings, while TerrillFLEX averages 1.0 from 1 ratings.
Do Arsenal Credit Union or TerrillFLEX have ads?
Neither Arsenal Credit Union nor TerrillFLEX shows ads.
Which is updated more often, Arsenal Credit Union or TerrillFLEX?
Arsenal Credit Union ships an update every 5 weeks, and TerrillFLEX every 4 months. Most recently, Arsenal Credit Union was updated on November 1, 2026 and TerrillFLEX on November 3, 2026.

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