# MCECU Mobile vs payit901

The clearest difference is review sentiment: MCECU Mobile at 91% against payit901's 38%. MCECU Mobile also leads on rating (4.9 vs 3.2) and ratings volume (10K vs 22). payit901's advantage is monetization model (free vs ad-supported) and iOS requirement (12.4 vs 16.0). On price, ads, in-app purchases and device support there is nothing between them.

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

MCECU Mobile holds the better App Store score, 4.9 against 3.2. That said, the two scores are not equally well evidenced: MCECU Mobile has 10K ratings behind it against 22, so its average is the more settled of the two. Written reviews point the same way: 91% of MCECU Mobile's written reviews are positive against 38% of payit901's.

MCECU Mobile ships an update monthly, payit901 every 3 months. The most recent releases landed on October 18, 2026 and October 3, 2026 respectively.

## The numbers

| Metric | MCECU Mobile | payit901 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (10K ratings)](https://appshunter.io/ios/app/mcecu-mobile/id481603622/reviews)** | [3.2 (22 ratings)](https://appshunter.io/ios/app/payit901/id1318494699/reviews) |
| Number of ratings | **10K** | 22 |
| Positive reviews | **90.8% of reviews** | 38.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 3 months |
| Monetization | Ad-supported | **Free** |
| Size | 185 MB | 104 MB |
| Requires iOS | 16.0 | **12.4** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Memphis City Employees Credit Union](https://appshunter.io/developer/481603625) | [Shelby County Government](https://appshunter.io/developer/1469049046) |

## What reviewers say

### MCECU Mobile

[App page](https://appshunter.io/ios/app/mcecu-mobile/id481603622)

Manage your credit union accounts conveniently from your mobile device. Check balances, review transactions, transfer funds, deposit checks, and make loan payments with ease. Secure access is available through fingerprint authentication.

**Highlights:** Check account balances, View transaction history, Transfer funds between accounts, Deposit checks remotely, Pay loans, Fingerprint login

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

**In-app purchases:** none

**What reviewers like**

- 👍 Great service
- 🚀 Convenient
- 💕 Awesome customer service
- 👍 Helpful staff
- 🚀 Easy to use app

**What reviewers complain about**

- 🐛 Outdated app design
- 🐛 Technical issues with app

**Reported bugs**

- App logging out users frequently
- Mobile check deposit not working for years

**Requested features**

- Customized debit/ATM cards
- Deposit option in drive-thru
- Face recognition login
- Multiple account access with same email


### payit901

[App page](https://appshunter.io/ios/app/payit901/id1318494699)

This app simplifies paying property taxes for Shelby County residents. It allows users to sign up for eBills, track account status, make one-time or scheduled payments, and receive timely reminders for new statements.

**Highlights:** Property tax eBill enrollment, Account status monitoring, One-time payment setup, Scheduled future payments, New statement reminders

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is MCECU Mobile free?

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

### Is payit901 free?

payit901 is free to download, with no in-app purchases.

### Which has better reviews, MCECU Mobile or payit901?

MCECU Mobile is rated higher. MCECU Mobile averages 4.9 out of 5 from 10K ratings, while payit901 averages 3.2 from 22 ratings.

### Do MCECU Mobile or payit901 have ads?

Neither MCECU Mobile nor payit901 shows ads.

### Which is updated more often, MCECU Mobile or payit901?

MCECU Mobile ships an update monthly, and payit901 every 3 months. Most recently, MCECU Mobile was updated on October 18, 2026 and payit901 on October 3, 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.*