# BECU vs OnPoint Mobile

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.

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.

## The numbers

| Metric | BECU | OnPoint Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (71K ratings)](https://appshunter.io/ios/app/becu/id465186865/reviews)** | [4.6 (25K ratings)](https://appshunter.io/ios/app/onpoint-mobile/id1243092558/reviews) |
| Number of ratings | **71K** | 25K |
| Positive reviews | 59.8% of reviews | **88.6% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 105 MB | 133 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [BECU](https://appshunter.io/developer/465186868) | [OnPoint Community Credit Union](https://appshunter.io/developer/464747630) |

## What reviewers say

### BECU

[App page](https://appshunter.io/ios/app/becu/id465186865)

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.

**Highlights:** Consolidate accounts (BECU & non-BECU), Budgeting based on spending history, Locate ATMs and branches, Fund transfers, Mobile check deposit, Bill pay

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient mobile banking
- 💡 Helpful budgeting and spending tracking features
- 🔒 Secure login process
- 👍 Intuitive and user-friendly interface

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/onpoint-mobile/id1243092558)

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.

**Highlights:** 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

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly app
- 🚀 Convenient mobile banking features
- 🔒 Robust security with biometric login
- 💡 Helpful customer service

**What reviewers complain about**

- 🐛 Buggy mobile deposit feature
- ⏱️ Slow transaction updates
- 🔀 Confusing account management
- 🤔 Lack of customization options

**Reported bugs**

- Mobile app crashes and freezes
- Inconsistent behavior when switching between app and website
- Transactions disappearing from account history
- Unreliable mobile deposit process

**Requested features**

- 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


## Frequently asked questions

### Is BECU free?

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

### Is OnPoint Mobile free?

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

### Which has better reviews, BECU or OnPoint Mobile?

BECU is rated higher. BECU averages 4.8 out of 5 from 71K ratings, while OnPoint Mobile averages 4.6 from 25K ratings.

### Do BECU or OnPoint Mobile have ads?

Neither BECU nor OnPoint Mobile shows ads.

### Which is updated more often, BECU or OnPoint Mobile?

BECU ships an update every 2 months, and OnPoint Mobile every 2 months. Most recently, BECU was updated on November 6, 2026 and OnPoint Mobile 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.*