BECU vs LT Trust
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BECU
Manage all your financial accounts, both BECU and external, in one place. Track spending, review balances, and handle everyday banking tasks like transfers and mobile check deposits with a user-friendly interface.
- Consolidate BECU and non-BECU accounts
- Budget based on spending history
- Locate ATMs and credit unions
- Transfer funds
- Deposit checks
- Pay bills
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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
LT Trust
Manage your retirement plan by accessing key details like your current balance and investment choices. Stay informed about your financial future with easy-to-view account information.
- View account balance
- Check investment elections
- Access important account information
- Retirement plan management
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Access your LT Trust retirement plan account to view important information such as your account balance and investment elections.
Screenshots
Verdict
The clearest difference is review sentiment: BECU at 60% against LT Trust's 0%. BECU also leads on rating (4.8 vs 2.0) and ratings volume (70K vs 15). LT Trust's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, 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
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 2.0. That said, the two scores are not equally well evidenced: BECU has 70K ratings behind it against 15, so its average is the more settled of the two. Written reviews point the same way: 60% of BECU's written reviews are positive against 0% of LT Trust's.
BECU ships an update every 2 months, LT Trust every 7 months. The most recent releases landed on October 17, 2026 and October 2, 2026 respectively.
| Parameter | BECU | LT Trust |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (70K ratings) — better | 2.0 (15 ratings) |
| Positive reviews | 59.7% of reviews — better | 0.0% of reviews |
| Number of ratings | 70K — better | 15 |
| Update frequency | Every 2 months — better | Every 7 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 | 11.0 — better |
| Further details — not scored | ||
| Size | 102 MB | 21 MB |
| Age rating | 4+ | 4+ |
| Developer | BECU | LT Trust |
Customer experience
BECU
LT Trust
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
LT Trust
Not enough reviews yet to summarise bugs or requests.
In-app purchases
BECU
No in-app purchases
LT Trust
No in-app purchases
Questions
Is BECU free?
Is LT Trust free?
Which has better reviews, BECU or LT Trust?
Do BECU or LT Trust have ads?
Which is updated more often, BECU or LT Trust?
Other comparisons
