Comparison

ATFCU Mobile vs Texell Digital Banking

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ATFCU Mobile

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
Read full description

Introducing the all-in-one mobile banking solution designed exclusively for Austin Telco Federal Credit Union members. Carry your credit union in your pocket and experience financial freedom like never before. Experience the next generation of banking with the Austin Telco mobile app, where eligible credit union members can: Send & Receive Funds • Bill Pay: No stamps, no envelopes, just a few taps. Manage and pay your bills directly through the app. • Mobile Deposit: Deposit checks anytime, anywhere, without visiting a branch. • Transfer Funds: Move money between your accounts in seconds. • Person-to-Person Transfer: Send money to friends and family, whether they bank at Austin Telco or not. Track & Manage Your Finances • Card Management: Block, activate or report a lost or stolen card. • Link External Accounts: Consolidate your financial world! Link your external bank accounts to view balances, transactions, and more—all in one place. • View Credit Score: Stay ahead of your financial goals with free credit score updates. • Transaction Insights: Empower your financial decisions with tailored insights on your spending habits. Stay Secure • Find a Location: Easily locate ATMs and branches near you. • Send a Secure Message: Need assistance? Send a message safely and directly to our support team. • Biometric Login: Access your accounts swiftly and securely using your fingerprint or facial recognition. Convenience, security, and innovative features make this app a must-have for all Austin Telco members. Whether you're saving up for a dream vacation, sending quick payments, or simply tracking daily expenses, we're with you at every step. Harness the power of mobile banking and elevate your financial journey. Join thousands of satisfied members and experience the next-gen banking solution.

About

Texell Digital Banking

Manage your finances on the go with a secure and easy-to-use mobile banking app. Organize transactions, set up alerts, transfer funds, and deposit checks remotely. Access rewards, manage your debit card, and find nearby branches and ATMs.

Highlights
  • Add tags, notes, and photos to transactions
  • Set balance alerts
  • Transfer money between accounts
  • Mobile check deposit
  • Redeem BONUS Rewards points
  • Manage debit card (reorder/turn off)
  • View and save monthly statements
  • Find branches and ATMs
  • Aggregate financial accounts
Features
Read full description

Texell’s mobile apps is fast, secure, and makes life easier by empowering you with the tools you need to manage your finances and redeem your BONUS Rewards. Here’s what you can do with Texell’s mobile app: · Keep your transactions organized by allowing you to add tags, notes, and photos of receipts and checks. · Set up alerts so you know when your balance drops below a certain amount · Transfer money between your accounts · Deposit checks in a snap by taking a picture of the front and back · Check and redeem BONUS Rewards points · Reorder your debit card or turn it off if you’ve misplaced it · View and save your monthly statements · Find branches and ATMs near you · Aggregate your financial accounts · Secure your account with a 4-digit passcode or biometric on supported devices

Screenshots

ATFCU Mobile4 screens
Texell Digital Banking4 screens

Verdict

The call

The clearest difference is update cadence: Texell Digital Banking at monthly against ATFCU Mobile's every 8 months. Texell Digital Banking also leads on rating (4.8 vs 4.4). ATFCU Mobile's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (16.0 vs 18.4). On price, review sentiment, ratings volume and ads 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Texell Digital Banking holds the better App Store score, 4.8 against 4.4. Both are backed by a comparable volume of ratings — 2.1K and 5.5K respectively. Written reviews complicate that: 66% of ATFCU Mobile's written reviews are positive against 60% of Texell Digital Banking's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

ATFCU Mobile ships an update every 8 months, Texell Digital Banking monthly. The most recent releases landed on October 29, 2026 and October 27, 2026 respectively.

Scorecard4 real differences · 6 level
ATFCU Mobile versus Texell Digital Banking: the parameters behind the verdict, then further details
ParameterATFCU MobileTexell Digital Banking
PriceFreeFree
Rating4.4 (2.1K ratings)4.8 (5.5K ratings) — better
Positive reviews66.0% of reviews — better60.5% of reviews
Number of ratings2.1K5.5K — better
Update frequencyEvery 8 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS16.0 — better18.4
Further details — not scored
Size48 MB176 MB
Age rating4+4+
DeveloperAustin Telco Federal Credit UnionTexell Credit Union

Customer experience

ATFCU Mobile

All ratings1,833 ratings
Positive83.4%
Neutral4.1%
Negative12.5%
Written reviews409 reviews
Positive66.0%
Neutral6.8%
Negative27.1%

Texell Digital Banking

All ratings5,379 ratings
Positive95.7%
Neutral1.6%
Negative2.7%
Written reviews86 reviews
Positive60.5%
Neutral4.7%
Negative34.9%

User reviews

ATFCU Mobile

From 2.1K App Store ratings

What we love

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

Room to improve

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

Texell Digital Banking

From 5.5K App Store ratings

What we love

  • 🚀 Efficient digital banking
  • 👍 Great customer service
  • 💡 Convenient features like budgets and goals
  • 👍 Easy to use app

Room to improve

  • 🐛 Transfer to member feature not working
  • 🐛 Frequent log-in required when switching between app and other apps
  • 👎 Lack of important account details like APY/interest rate and transaction limits
  • 👎 Confusing navigation and layout changes
  • 👎 Difficult to add outside accounts for transfers

Bugs and requests

ATFCU Mobile

Reported bugs

5 issues
  • 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

6 requests
  • 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
Show 1 more
  • Improve alert and notification system

Texell Digital Banking

Reported bugs

3 issues
  • App not loading or updating properly
  • Compatibility issues with older devices
  • Bill pay not working as expected

Requested features

2 requests
  • Joint accounts with separate logins
  • Easier access to account due dates and transaction history

In-app purchases

None

ATFCU Mobile

No in-app purchases

None

Texell Digital Banking

No in-app purchases

Questions

Is ATFCU Mobile free?
ATFCU Mobile is free to download, with no in-app purchases.
Is Texell Digital Banking free?
Texell Digital Banking is free to download, with no in-app purchases.
Which has better reviews, ATFCU Mobile or Texell Digital Banking?
Texell Digital Banking is rated higher. ATFCU Mobile averages 4.4 out of 5 from 2.1K ratings, while Texell Digital Banking averages 4.8 from 5.5K ratings.
Do ATFCU Mobile or Texell Digital Banking have ads?
Neither ATFCU Mobile nor Texell Digital Banking shows ads.
Which is updated more often, ATFCU Mobile or Texell Digital Banking?
ATFCU Mobile ships an update every 8 months, and Texell Digital Banking monthly. Most recently, ATFCU Mobile was updated on October 29, 2026 and Texell Digital Banking on October 27, 2026.

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