# OVCB Mobile vs Central State CU

The clearest difference is rating: Central State CU at 4.8 against OVCB Mobile's 4.3. Central State CU also leads on review sentiment (59% vs 41%) and ratings volume (2K vs 518). 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.

Central State CU holds the better App Store score, 4.8 against 4.3. Both are backed by a comparable volume of ratings — 518 and 2K respectively. Written reviews point the same way: 41% of OVCB Mobile's written reviews are positive against 59% of Central State CU's.

OVCB Mobile ships an update every 5 weeks, Central State CU monthly. The most recent releases landed on September 23, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | OVCB Mobile | Central State CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (518 ratings)](https://appshunter.io/ios/app/ovcb-mobile/id444763671/reviews) | **[4.8 (2K ratings)](https://appshunter.io/ios/app/central-state-cu/id1456393527/reviews)** |
| Number of ratings | 518 | **2K** |
| Positive reviews | 41.0% of reviews | **59.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Monthly** |
| Monetization | Free | Free |
| Size | 155 MB | 67 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Oak Valley Community Bank](https://appshunter.io/developer/444763675) | [Central State Credit Union](https://appshunter.io/developer/740019056) |

## What reviewers say

### OVCB Mobile

[App page](https://appshunter.io/ios/app/ovcb-mobile/id444763671)

Manage your finances on the go with this mobile banking application. Access account balances, pay bills, transfer funds, and deposit checks remotely. Find nearby branches and ATMs for convenient banking services.

**Highlights:** Account balance checks, Transaction search, Bill payment and scheduling, Inter-account transfers, Mobile check deposit, Branch and ATM locator

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

**In-app purchases:** none

**What reviewers like**

- 👍 Great customer service
- 👍 Easy to maneuver
- 👍 Fast and easy
- 👍 Personal touch
- 👍 Friendly and family oriented

**What reviewers complain about**

- 🐛 Cumbersome to use
- 🐛 Limited features
- 🐛 Outdated interface
- 🐛 Difficult to navigate
- 🐛 Security is complicated

**Reported bugs**

- App sometimes won't open
- Multiple failed logins
- App loses access to business account after updates
- App logs out after every update
- Facial recognition login fails after updates

**Requested features**

- Add Zelle integration
- Improve mobile deposit functionality
- Add authenticator app 2-factor authentication
- Allow online deposits on weekends
- Provide routing and account numbers in app


### Central State CU

[App page](https://appshunter.io/ios/app/central-state-cu/id1456393527)

Manage your finances on the go with this mobile banking application. Check balances, transfer funds, pay bills, and deposit checks using your device's camera. Securely access your accounts with fingerprint or facial recognition.

**Highlights:** Check account balances and transactions, Transfer funds between accounts, Pay bills and manage payees, Deposit checks via camera, Find nearby branches and ATMs, Secure login with Touch ID/Face ID

**Features:** Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 👍 Great service
- 🚀 Easy to use
- 👍 Helpful staff
- 👍 Reliable app

**What reviewers complain about**

- 🐛 Slow app performance
- 🐛 Login/app issues
- 🐛 Unreliable transactions

**Reported bugs**

- App crashes frequently
- Accounts not loading properly

**Requested features**

- Add ability to transfer to other members
- Improve password management


## Frequently asked questions

### Is OVCB Mobile free?

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

### Is Central State CU free?

Central State CU is free to download, with no in-app purchases.

### Which has better reviews, OVCB Mobile or Central State CU?

Central State CU is rated higher. OVCB Mobile averages 4.3 out of 5 from 518 ratings, while Central State CU averages 4.8 from 2K ratings.

### Do OVCB Mobile or Central State CU have ads?

Neither OVCB Mobile nor Central State CU shows ads.

### Which is updated more often, OVCB Mobile or Central State CU?

OVCB Mobile ships an update every 5 weeks, and Central State CU monthly. Most recently, OVCB Mobile was updated on September 23, 2026 and Central State CU on September 25, 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.*