# ATFCU Mobile vs THCU Mobile Banking App

The clearest difference is rating: THCU Mobile Banking App at 4.9 against ATFCU Mobile's 4.4. THCU Mobile Banking App also leads on review sentiment (100% vs 66%). ATFCU Mobile's advantage is ads (none vs shown) and ratings volume (2.1K vs 179). On price, update cadence, 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.

THCU Mobile Banking App holds the better App Store score, 4.9 against 4.4. That said, the two scores are not equally well evidenced: ATFCU Mobile has 2.1K ratings behind it against 179, so its average is the more settled of the two. Written reviews point the same way: 66% of ATFCU Mobile's written reviews are positive against 100% of THCU Mobile Banking App's.

ATFCU Mobile ships an update every 8 months, THCU Mobile Banking App every 5 months. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | ATFCU Mobile | THCU Mobile Banking App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (2.1K ratings)](https://appshunter.io/ios/app/atfcu-mobile/id486995345/reviews) | **[4.9 (179 ratings)](https://appshunter.io/ios/app/thcu-mobile-banking-app/id1585830820/reviews)** |
| Number of ratings | **2.1K** | 179 |
| Positive reviews | 65.8% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 8 months | **Every 5 months** |
| Monetization | Free | Free |
| Size | 48 MB | 114 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Austin Telco Federal Credit Union](https://appshunter.io/developer/486995348) | [Texas Health Credit Union](https://appshunter.io/developer/1585830822) |

## What reviewers say

### ATFCU Mobile

[App page](https://appshunter.io/ios/app/atfcu-mobile/id486995345)

Manage your finances on the go with this mobile banking app. Send and receive money, pay bills, deposit checks, and track your spending. Securely access your accounts and manage your cards from anywhere.

**Highlights:** Bill Pay, Mobile Check Deposit, Fund Transfers, Person-to-Person Payments, Card Management, Link External Accounts, Credit Score Updates, Biometric Login

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🔒 Great security features
- 👍 User-friendly interface
- 👍 Convenient banking on the go
- 🚀 Quick and reliable

**What reviewers complain about**

- 🐛 Laggy and slow performance
- 🐛 Buggy and unreliable
- 🐛 Confusing and cluttered interface
- 🐛 Frequent login issues
- 🐛 Mobile deposit not working

**Reported bugs**

- App crashes frequently
- Face ID/fingerprint login not working
- Accounts not displaying properly
- Transfers and payments not processing
- Inability to access past transactions

**Requested features**

- Add ability to make IRA deposits online
- Improve transaction history and details
- Provide more customization options
- Implement better account management tools
- Add mobile check deposit functionality


### THCU Mobile Banking App

[App page](https://appshunter.io/ios/app/thcu-mobile-banking-app/id1585830820)

Manage your finances conveniently from your mobile device.  Check balances, review transactions, transfer funds, and deposit checks securely and quickly.  Access your accounts anytime, anywhere with this free banking tool.

**Highlights:** Check account balances, Review recent transactions, Transfer funds between accounts, Deposit checks, Secure access

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is ATFCU Mobile free?

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

### Is THCU Mobile Banking App free?

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

### Which has better reviews, ATFCU Mobile or THCU Mobile Banking App?

THCU Mobile Banking App is rated higher. ATFCU Mobile averages 4.4 out of 5 from 2.1K ratings, while THCU Mobile Banking App averages 4.9 from 179 ratings.

### Do ATFCU Mobile or THCU Mobile Banking App have ads?

THCU Mobile Banking App shows ads; ATFCU Mobile does not.

### Which is updated more often, ATFCU Mobile or THCU Mobile Banking App?

ATFCU Mobile ships an update every 8 months, and THCU Mobile Banking App every 5 months. Most recently, ATFCU Mobile was updated on October 26, 2026 and THCU Mobile Banking App on October 24, 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.*