# ATFCU Mobile vs PECU Mobile

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.

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

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.

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.

## The numbers

| Metric | ATFCU Mobile | PECU Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (1.8K ratings)](https://appshunter.io/ios/app/atfcu-mobile/id486995345/reviews) | **[4.5 (357 ratings)](https://appshunter.io/ios/app/pecu-mobile/id687917963/reviews)** |
| Number of ratings | **1.8K** | 357 |
| Positive reviews | 65.3% of reviews | **82.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 8 months** | Every 10 months |
| Monetization | Free | Free |
| Size | 48 MB | 30 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Austin Telco Federal Credit Union](https://appshunter.io/developer/486995348) | [Public Employees Credit Union](https://appshunter.io/developer/687917966) |

## 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


### PECU Mobile

[App page](https://appshunter.io/ios/app/pecu-mobile/id687917963)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Login screen issues
- Inconsistent performance on older devices

**Requested features**

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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*