Comparison

ATFCU Mobile vs PECU Mobile

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

PECU Mobile

Manage your finances conveniently and securely from your mobile device. This app allows you to pay bills, check balances, transfer funds, and deposit checks with ease. Access essential banking services anytime, anywhere, with no registration required for existing online users.

Highlights
  • Bill payment
  • Balance checking
  • Money transfers
  • Mobile check deposit
  • ATM and branch locator
  • Secure encryption
Read full description

Thank you for being a PECU member! Your free new mobile banking app is ready to download. The PECU app helps you manage your money any time, any place, anywhere. Conveniently and quickly pay bills, check balances, transfer money, deposit checks, find ATMs, and locate PECU branch centers –all from the palm of your hand. PECU puts the “free” in financial freedom! •Safe and secure. Get peace of mind with our app’s state-of-the-art encryption. •Handy PECU branch and ATM locator. •Easy-to-find account and transaction information. •No registration required. Available to all PECU online account access users. •Free e-Bill Pay for making payments. •Snap, click & deposit. Deposit checks using your camera.

Screenshots

ATFCU Mobile4 screens
PECU Mobile2 screens

Verdict

The call

ATFCU Mobile and PECU Mobile both sit at 4.4 stars, but that hides the real split: 83% of PECU Mobile's written reviews are positive against 65% of ATFCU Mobile's. ATFCU Mobile's advantage is ratings volume (1.8K vs 357). On price, rating, update cadence 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

On the App Store both sit at effectively the same score — 4.4 for ATFCU Mobile against 4.5 for PECU Mobile. That said, the two scores are not equally well evidenced: ATFCU Mobile has 1.8K ratings behind it against 357, so its average is the more settled of the two. Written reviews are what separate them: 65% of ATFCU Mobile's written reviews are positive against 83% of PECU Mobile's.

UpkeepUpdate frequency

ATFCU Mobile ships an update every 8 months, PECU Mobile every 10 months. The most recent releases landed on September 23, 2026 and September 22, 2026 respectively.

Scorecard2 real differences · 8 level
ATFCU Mobile versus PECU Mobile: the parameters behind the verdict, then further details
ParameterATFCU MobilePECU Mobile
PriceFreeFree
Rating4.4 (1.8K ratings)4.5 (357 ratings) — better
Positive reviews65.3% of reviews82.9% of reviews — better
Number of ratings1.8K — better357
Update frequencyEvery 8 months — betterEvery 10 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS16.016.0
Further details — not scored
Size48 MB30 MB
Age rating4+4+
DeveloperAustin Telco Federal Credit UnionPublic Employees Credit Union

Customer experience

ATFCU Mobile

All ratings1,833 ratings
Positive83.4%
Neutral4.1%
Negative12.5%
Written reviews389 reviews
Positive65.3%
Neutral7.2%
Negative27.5%

PECU Mobile

All ratings357 ratings
Positive88.5%
Neutral3.9%
Negative7.6%
Written reviews146 reviews
Positive82.9%
Neutral7.5%
Negative9.6%

User reviews

ATFCU Mobile

From 1.8K 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

PECU Mobile

From 357 App Store ratings

What we love

  • 🚀 Easy to use
  • 🔒 Good security features
  • 👍 Convenient and accessible
  • 🚀 Fast and efficient
  • 👍 User-friendly interface

Room to improve

  • 🐛 Occasional issues with mobile deposits
  • 🔍 Limited functionality compared to other banking apps
  • 🔍 Confusing bill payment process
  • 🔍 Lack of password saving option

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

PECU Mobile

Reported bugs

2 issues
  • Login screen issues
  • Inconsistent performance on older devices

Requested features

4 requests
  • Tap to pay cards
  • Apple Wallet integration
  • Improved mobile deposit process
  • More advanced features and customization options

In-app purchases

None

ATFCU Mobile

No in-app purchases

None

PECU Mobile

No in-app purchases

Questions

Is ATFCU Mobile free?
ATFCU Mobile is free to download, with no in-app purchases.
Is PECU Mobile free?
PECU Mobile is free to download, with no in-app purchases.
Which has better reviews, ATFCU Mobile or PECU Mobile?
PECU Mobile is rated higher. ATFCU Mobile averages 4.4 out of 5 from 1.8K ratings, while PECU Mobile averages 4.5 from 357 ratings.
Do ATFCU Mobile or PECU Mobile have ads?
Neither ATFCU Mobile nor PECU Mobile shows ads.
Which is updated more often, ATFCU Mobile or PECU Mobile?
ATFCU Mobile ships an update every 8 months, and PECU Mobile every 10 months. Most recently, ATFCU Mobile was updated on September 23, 2026 and PECU Mobile on September 22, 2026.

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