# ATFCU Mobile vs First Texas Bank

The clearest difference is review sentiment: ATFCU Mobile at 66% against First Texas Bank's 13%. ATFCU Mobile also leads on rating (4.4 vs 2.4) and ratings volume (2.1K vs 36). First Texas Bank's advantage is update cadence (every 3 months vs every 8 months) and iOS requirement (14.1 vs 16.0). On price, ads, 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.

ATFCU Mobile holds the better App Store score, 4.4 against 2.4. That said, the two scores are not equally well evidenced: ATFCU Mobile has 2.1K ratings behind it against 36, 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 13% of First Texas Bank's.

ATFCU Mobile ships an update every 8 months, First Texas Bank every 3 months. Both last shipped on October 23, 2026.

## The numbers

| Metric | ATFCU Mobile | First Texas Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (2.1K ratings)](https://appshunter.io/ios/app/atfcu-mobile/id486995345/reviews)** | [2.4 (36 ratings)](https://appshunter.io/ios/app/first-texas-bank/id587619713/reviews) |
| Number of ratings | **2.1K** | 36 |
| Positive reviews | **65.8% of reviews** | 13.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 8 months | **Every 3 months** |
| Monetization | Free | Free |
| Size | 48 MB | 120 MB |
| Requires iOS | 16.0 | **14.1** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Austin Telco Federal Credit Union](https://appshunter.io/developer/486995348) | [First Texas Bank](https://appshunter.io/developer/587619717) |

## 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


### First Texas Bank

[App page](https://appshunter.io/ios/app/first-texas-bank/id587619713)

Access your accounts securely from anywhere with this mobile banking app. View balances, transactions, transfer funds, manage cards, and find nearby branches or ATMs. Requires enrollment in online banking.

**Highlights:** View account balances, View recent transactions, Transfer funds between accounts, Manage cards, Locate branches and ATMs, Contact customer service

**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 First Texas Bank free?

First Texas Bank is free to download, with no in-app purchases.

### Which has better reviews, ATFCU Mobile or First Texas Bank?

ATFCU Mobile is rated higher. ATFCU Mobile averages 4.4 out of 5 from 2.1K ratings, while First Texas Bank averages 2.4 from 36 ratings.

### Do ATFCU Mobile or First Texas Bank have ads?

Neither ATFCU Mobile nor First Texas Bank shows ads.

### Which is updated more often, ATFCU Mobile or First Texas Bank?

ATFCU Mobile ships an update every 8 months, and First Texas Bank every 3 months. Most recently, ATFCU Mobile was updated on October 23, 2026 and First Texas Bank on October 23, 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.*