Comparison

ATFCU Mobile vs UHCU 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

UHCU Mobile

Access your accounts securely and conveniently from your mobile device. Manage balances, transfer funds, deposit checks, pay bills, and locate branches or ATMs. Enjoy the same security as online banking for all your financial transactions.

Highlights
  • Check account balances
  • Transfer funds
  • Mobile check deposit
  • Bill pay
  • Loan payments
  • View transaction history
  • Find branches/ATMs
Features
Read full description

The UHCU Mobile App gives you fast and secure account access from your mobile device. • Check account balances • Transfer funds between accounts • Deposit checks anytime, anywhere through Mobile Check Deposit* • Pay your bills** • Make a loan payment • View transaction history • Find branches/ATMs • Contact us As always, these services are designed to protect your privacy and personal information with the same level of security as Online Banking. There is no charge to download and use the UHCU Mobile App, but standard messaging and data rates from your wireless provider may apply. For United Heritage Credit Union members. Learn about membership and join online at uhcu.org Federally insured by the NCUA. *To qualify for this Service, you must meet eligibility criteria as dictated by United Heritage, including having all accounts in good standing. Eligibility of this Service is determined at the full and complete discretion of United Heritage and may be withdrawn at any time. **Members can schedule payments or review activity for all payees via the UHCU Mobile App. To add or edit payees, Web BillPay must be accessed within Online Banking from a desktop computer.

Screenshots

ATFCU Mobile4 screens
UHCU Mobile4 screens

Verdict

The call

The clearest difference is review sentiment: ATFCU Mobile at 65% against UHCU Mobile's 18%. ATFCU Mobile also leads on rating (4.4 vs 2.9) and ratings volume (1.8K vs 120). On price, update cadence, ads and in-app purchases 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

ATFCU Mobile holds the better App Store score, 4.4 against 2.9. That said, the two scores are not equally well evidenced: ATFCU Mobile has 1.8K ratings behind it against 120, so its average is the more settled of the two. Written reviews point the same way: 65% of ATFCU Mobile's written reviews are positive against 18% of UHCU Mobile's.

UpkeepUpdate frequency

ATFCU Mobile ships an update every 8 months, UHCU Mobile every 6 months. The most recent releases landed on September 23, 2026 and September 19, 2026 respectively.

Scorecard3 real differences · 7 level
ATFCU Mobile versus UHCU Mobile: the parameters behind the verdict, then further details
ParameterATFCU MobileUHCU Mobile
PriceFreeFree
Rating4.4 (1.8K ratings) — better2.9 (120 ratings)
Positive reviews65.3% of reviews — better18.0% of reviews
Number of ratings1.8K — better120
Update frequencyEvery 8 monthsEvery 6 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, Apple WatchiPhone, iPad, Apple Watch
Requires iOS16.016.0
Further details — not scored
Size48 MB57 MB
Age rating4+4+
DeveloperAustin Telco Federal Credit UnionUnited Heritage 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%

UHCU Mobile

All ratings120 ratings
Positive40.8%
Neutral7.5%
Negative51.7%
Written reviews61 reviews
Positive18.0%
Neutral13.1%
Negative68.9%

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

UHCU Mobile

From 120 App Store ratings

What we love

  • 👍 Easy to use
  • 👍 Intuitive interface
  • 👍 Serves banking needs
  • 👍 Great customer service
  • 👍 Functional and quick

Room to improve

  • 🐛 Unreliable performance
  • 🐛 Slow loading times
  • 🐛 Outdated interface
  • 🐛 Frequent maintenance downtime
  • 🐛 Login issues

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

UHCU Mobile

Reported bugs

25 issues
  • Card management not working
  • Login authentication failures
  • App refuses to launch Face ID consistently
  • Password change issues causing alerts on other devices
  • Server error preventing login
Show 20 more
  • Interface blown up after update
  • Blank dropdowns for account transfers
  • Back button signs out completely
  • Registering device not working (requires verification code every time)
  • Mobile deposit not working
  • Camera not opening for check deposit
  • Payees not deleting from mobile app
  • App crashes during transactions
  • Unable to update personal info
  • App dims but doesn't log in
  • App shuts down on login attempt
  • App freezes on login screen
  • App requires download of new iOS app but then can't log in
  • App not working well with Apple 8
  • Unable to pay bills (submit/review button disappeared)
  • Transfers within account not updating
  • Combining transfers not helpful
  • Unable to access account
  • Unable to get to deposit screen
  • Web bill pay payees and history gone

Requested features

10 requests
  • Card management function (block/unblock)
  • Zelle integration
  • Member to member transfers
  • Notifications for transactions
  • Face ID support
Show 5 more
  • Touch ID support
  • Mobile deposit feature
  • Web bill pay access
  • Update for newer iPhones
  • Dark mode option

In-app purchases

None

ATFCU Mobile

No in-app purchases

None

UHCU Mobile

No in-app purchases

Questions

Is ATFCU Mobile free?
ATFCU Mobile is free to download, with no in-app purchases.
Is UHCU Mobile free?
UHCU Mobile is free to download, with no in-app purchases.
Which has better reviews, ATFCU Mobile or UHCU Mobile?
ATFCU Mobile is rated higher. ATFCU Mobile averages 4.4 out of 5 from 1.8K ratings, while UHCU Mobile averages 2.9 from 120 ratings.
Do ATFCU Mobile or UHCU Mobile have ads?
Neither ATFCU Mobile nor UHCU Mobile shows ads.
Which is updated more often, ATFCU Mobile or UHCU Mobile?
ATFCU Mobile ships an update every 8 months, and UHCU Mobile every 6 months. Most recently, ATFCU Mobile was updated on September 23, 2026 and UHCU Mobile on September 19, 2026.

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