BECU vs OnPoint Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BECU
Manage your finances on the go with this app. It allows you to view all your BECU and non-BECU accounts, track spending, and handle everyday banking tasks like transfers and mobile check deposits. The design is user-friendly, making financial management simpler.
- Consolidate accounts (BECU & non-BECU)
- Budgeting based on spending history
- Locate ATMs and branches
- Fund transfers
- Mobile check deposit
- Bill pay
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Manage your finances in the palm of your hand: BECU’s app is designed to bring budgeting to your phone. Use the unique features to view not only your BECU accounts but also your credit cards, bank accounts and loans held elsewhere. The colorful, friendly design helps you track spending, review outstanding balances and expenses. The updated app also allows easy everyday banking. From transferring funds to locating ATMs and the ever popular mobile check deposit feature, it’s your money, simplified. BECU App Features and Benefits: • Combine and view your BECU and non-BECU financial accounts in one place • Budget based on your spending, income, debt and expense history • Locate the nearest BECU, ATM or shared branching partner credit union • Transfer funds • Deposit checks • View accounts • Pay bills and view payees • Review Alerts • Updated design and expansive user experience
OnPoint Mobile
Manage your finances securely on the go. Check balances, transfer funds, pay bills, and deposit checks remotely. Business members can also manage users and generate ACH payments.
- Secure sign-in with biometrics
- Bill management and payments
- Send money to contacts
- Account fund transfers
- Card management (travel notifications, freeze)
- Mobile check deposit
- Transaction search and eStatements
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One app for all members - Securely and safely check balances, transfer funds, view transactions and more anywhere, anytime. With OnPoint Mobile you can: • Sign in securely with Touch ID and Face ID (on supported devices). • Manage your bills and pay almost anyone, schedule recurring bill payments and receive eBills. • Send money to anyone in the U.S. with a phone number or email address. • Transfer funds between your OnPoint accounts and your accounts at other financial institutions. • Set travel notifications for your OnPoint debit or credit cards. • Freeze your OnPoint debit or credit card (for peace of mind or if lost or misplaced). • Deposit checks without the need to visit a branch or ATM. • View cleared check images and mobile deposit check images. • Customize account nicknames, preferences, and alerts. • Search transactions to quickly and easily find a specific transaction without endless scrolling. • View eStatements. Additionally, business members can: • Add entitled users and set and control their access rights and limits. • Generate ACH payments, such as payroll. (ACH Agreement required prior to using ACH payment services.)
Screenshots
Verdict
BECU and OnPoint Mobile both sit at 4.8 stars, but that hides the real split: 89% of OnPoint Mobile's written reviews are positive against 60% of BECU's. BECU's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (13.0 vs 16.0). On price, rating, ratings volume and update cadence 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.
BECU holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 71K and 25K respectively. Written reviews complicate that: 60% of BECU's written reviews are positive against 89% of OnPoint Mobile's, so the app with the better star average is not the one people write more warmly about.
Both ship on a similar rhythm, roughly every 2 months. Both last shipped on November 6, 2026.
| Parameter | BECU | OnPoint Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (71K ratings) — better | 4.6 (25K ratings) |
| Positive reviews | 59.8% of reviews | 88.6% of reviews — better |
| Number of ratings | 71K — better | 25K |
| Update frequency | Every 2 months | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Requires iOS | 13.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 105 MB | 133 MB |
| Age rating | 4+ | 4+ |
| Developer | BECU | OnPoint Community Credit Union |
Customer experience
BECU
OnPoint Mobile
User reviews
BECU
From 71K App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Convenient mobile banking
- 💡 Helpful budgeting and spending tracking features
- 🔒 Secure login process
- 👍 Intuitive and user-friendly interface
Room to improve
- 🐛 Transactions not syncing properly
- 🐛 Buggy and unreliable app performance
- 🔍 Lacking important features available on website
- 🤔 Confusing or unintuitive app design
- 🔍 Limited functionality compared to expectations
OnPoint Mobile
From 25K App Store ratingsWhat we love
- 👍 User-friendly app
- 🚀 Convenient mobile banking features
- 🔒 Robust security with biometric login
- 💡 Helpful customer service
Room to improve
- 🐛 Buggy mobile deposit feature
- ⏱️ Slow transaction updates
- 🔀 Confusing account management
- 🤔 Lack of customization options
Bugs and requests
BECU
Reported bugs
4 issues- Inconsistent transaction reporting between app and website
- Messaging/chat feature not functioning properly
- Mobile check deposit often fails to recognize correct amounts
- Frequent login issues and challenges with multi-factor authentication
Requested features
5 requests- Add ability to make loan payments and view statements within the app
- Improve transaction search and categorization tools
- Provide option to customize budget categories and time periods
- Integrate credit score checking functionality
- Allow linking of external bank accounts for a more holistic view
OnPoint Mobile
Reported bugs
4 issues- Mobile app crashes and freezes
- Inconsistent behavior when switching between app and website
- Transactions disappearing from account history
- Unreliable mobile deposit process
Requested features
4 requests- Add option to change default mobile deposit category
- Improve bill pay functionality with better scheduling and tracking
- Allow users to rearrange account order and hide unused accounts
- Implement real-time transaction updates and pending indicators
In-app purchases
BECU
No in-app purchases
OnPoint Mobile
No in-app purchases
Questions
Is BECU free?
Is OnPoint Mobile free?
Which has better reviews, BECU or OnPoint Mobile?
Do BECU or OnPoint Mobile have ads?
Which is updated more often, BECU or OnPoint Mobile?
Other comparisons
