# Coastal1 Mobile Banking vs WaveFCU

The clearest difference is rating: Coastal1 Mobile Banking at 4.5 against WaveFCU's 3.5. Coastal1 Mobile Banking also leads on ratings volume (2.4K vs 19) and update cadence (every 6 months vs every 31 months). WaveFCU's advantage is iOS requirement (12.0 vs 16.0). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Coastal1 Mobile Banking holds the better App Store score, 4.5 against 3.5. That said, the two scores are not equally well evidenced: Coastal1 Mobile Banking has 2.4K ratings behind it against 19, so its average is the more settled of the two. Written reviews point the same way: 70% of Coastal1 Mobile Banking's written reviews are positive against 57% of WaveFCU's.

Coastal1 Mobile Banking ships an update every 6 months, WaveFCU every 31 months. Both last shipped on November 13, 2026.

## The numbers

| Metric | Coastal1 Mobile Banking | WaveFCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (2.4K ratings)](https://appshunter.io/ios/app/coastal1-mobile-banking/id460747687/reviews)** | [3.5 (19 ratings)](https://appshunter.io/ios/app/wavefcu/id1553320995/reviews) |
| Number of ratings | **2.4K** | 19 |
| Positive reviews | **70.3% of reviews** | 57.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 months** | Every 31 months |
| Monetization | Free | Free |
| Size | 119 MB | 95 MB |
| Requires iOS | 16.0 | **12.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Coastal1 Credit Union](https://appshunter.io/developer/460747690) | [Wave Federal Credit Union](https://appshunter.io/developer/785691260) |

## What reviewers say

### Coastal1 Mobile Banking

[App page](https://appshunter.io/ios/app/coastal1-mobile-banking/id460747687)

Manage your finances conveniently from your mobile device. Check balances, transfer funds, pay bills, and deposit checks. Business members can also initiate ACH payments and wire transfers.

**Highlights:** Check account balances and details, Make fund transfers between accounts, Pay bills and search transaction history, Deposit checks via mobile device, Find ATM and branch locations, Initiate ACH payments and wire transfers (business)

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient mobile banking
- 🔒 Secure app
- 💡 Great features like Zelle
- 👍 User-friendly interface

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Slow app performance
- 🐛 Unreliable app functionality
- 🔍 Limited features compared to other banks
- 🔍 Outdated app design

**Reported bugs**

- App frequently crashes or freezes
- Login process often fails or takes too long
- Inconsistent app behavior across devices
- Incorrect account balance information

**Requested features**

- Ability to deposit checks through the app
- Improved bill pay functionality
- Faster external transfers
- Option to view account history in more detail
- Support for Spanish language


### WaveFCU

[App page](https://appshunter.io/ios/app/wavefcu/id1553320995)

Manage your finances on the go with this mobile banking app. Check balances, view transaction history, transfer funds between accounts, and make loan payments securely. It also offers secure messaging for customer support.

**Highlights:** Check account balances, View transaction history, Transfer funds, Pay loans, Secure messaging

**In-app purchases:** none


## Frequently asked questions

### Is Coastal1 Mobile Banking free?

Coastal1 Mobile Banking is free to download, with no in-app purchases.

### Is WaveFCU free?

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

### Which has better reviews, Coastal1 Mobile Banking or WaveFCU?

Coastal1 Mobile Banking is rated higher. Coastal1 Mobile Banking averages 4.5 out of 5 from 2.4K ratings, while WaveFCU averages 3.5 from 19 ratings.

### Do Coastal1 Mobile Banking or WaveFCU have ads?

Neither Coastal1 Mobile Banking nor WaveFCU shows ads.

### Which is updated more often, Coastal1 Mobile Banking or WaveFCU?

Coastal1 Mobile Banking ships an update every 6 months, and WaveFCU every 31 months. Most recently, Coastal1 Mobile Banking was updated on November 13, 2026 and WaveFCU on November 13, 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.*