Texas Trust’s Mobile Banking vs SWACU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Texas Trust’s Mobile Banking
Manage your finances with a redesigned mobile banking app. Enjoy secure login options, easy fund transfers between accounts and to external banks, and access to essential features like mobile check deposit and card management in an intuitive interface.
- Fingerprint and facial recognition login
- Internal and external fund transfers
- Loan payments
- Mobile check deposit
- Card management
- Secure messaging
Read full descriptionHide full description
Texas Trust Mobile App Reimagined Upgrade your finances with the all-new Texas Trust Mobile App. It's not just an update, it's a complete overhaul designed to put you in control. Here's what awaits: Seamless Access: Log in with a tap using fingerprint, facial recognition, or your secure credentials. Your finances are at your fingertips, anytime, anywhere. Effortless Money Movement: Transfer funds between your Texas Trust accounts or pay loans with the push of a button External Transfer Power: Sending money to friends and family? Move money to and from other banks with ease. Enhanced Experience: Your favorite features from the old app - secure messaging, mobile check deposit, and card management - are all here, now housed in a newer, sleeker, more intuitive design. This is mobile banking on your terms. Download the all-new Texas Trust Mobile App today and empower yourself with the future of financial control.
SWACU
Manage your finances on the go with this comprehensive banking app. Perform most branch transactions securely from your mobile device, 24/7. Organize transactions, deposit checks remotely, and control your debit cards.
- Organize transactions with tags, notes, and receipt photos
- Secure and fast account monitoring
- Remote check deposit
- Debit card control (on/off)
- Schedule and view payments and transfers
- Apply for new accounts and loans
- Biometric authentication
Read full descriptionHide full description
Upgrade with the all new SWACU mobile app. It’s not just an update, but it’s a complete overhaul designed to put you in control. Do just about everything you can do at a branch on your mobile device. It’s completely secure and at your fingertips 24/7. Welcome to a seamless new world of mobile possibilities. Features: · Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. · Secure and fast account monitoring · Remote Check Deposit · Turn on/off SWACU Debit Cards · Schedule and view bill payments, transactions, transfers, and pending deposits · Make or schedule loan payments · Apply for new accounts such as: checking, term share certificates, credit cards, and loans. · Order checks, view statements and send secure messages. · Find the nearest SWACU branch and ATMs. · TouchID® Fingerprint, FaceID® and other Biometric Authentication. · Set up alerts so you know when your balance drops below a certain amount
Screenshots
Verdict
The clearest difference is update cadence: SWACU at every 4 weeks against Texas Trust’s Mobile Banking's every 3 months. Texas Trust’s Mobile Banking's advantage is ratings volume (22K vs 4.2K) and iOS requirement (16 vs 18.4). On price, rating, review sentiment 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
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 — 4.8 for Texas Trust’s Mobile Banking against 4.9 for SWACU. That said, the two scores are not equally well evidenced: Texas Trust’s Mobile Banking has 22K ratings behind it against 4.2K, so its average is the more settled of the two. Written reviews split almost evenly too, at 77% and 76% positive.
Texas Trust’s Mobile Banking ships an update every 3 months, SWACU every 4 weeks. The most recent releases landed on November 9, 2026 and November 8, 2026 respectively.
| Parameter | Texas Trust’s Mobile Banking | SWACU |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (22K ratings) | 4.9 (4.2K ratings) — better |
| Positive reviews | 76.7% of reviews — better | 75.8% of reviews |
| Number of ratings | 22K — better | 4.2K |
| Update frequency | Every 3 months | Every 4 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 16 — better | 18.4 |
| Further details — not scored | ||
| Size | 29 MB | 196 MB |
| Age rating | 4+ | 4+ |
| Developer | Texas Trust Credit Union | Southwest Airlines Federal Credit Union |
Customer experience
Texas Trust’s Mobile Banking
SWACU
User reviews
Texas Trust’s Mobile Banking
From 22K App Store ratingsWhat we love
- 👍 Outstanding customer service
- 🚀 Convenient mobile banking features
- 🔒 Secure login options
- 💡 Improved app experience over previous version
- 👍 Friendly and helpful staff
Room to improve
- 🐛 Inconsistent login/biometric authentication
- 🐛 Occasional app crashes or freezes
- 🔍 Lack of landscape mode on iPad
- 💰 Unexpected fees and account holds
SWACU
From 4.2K App Store ratingsWhat we love
- 👍 Terrific improvements from the previous version
- 👍 New app is awesome!
- 👍 Quicker, easier to use, and feels much more modern
- 👍 Great user interface
- 👍 Easy and quick to use
Room to improve
- 🔍 Menus take a while to find where you need to go
Bugs and requests
Texas Trust’s Mobile Banking
Reported bugs
3 issues- Mobile deposit feature not working
- Quick Balance setting keeps resetting
- Incorrect money transfers to wrong accounts
Requested features
4 requests- Ability to view full account details in app
- Option to mark transactions as cleared
- Travel notification feature in app
- Landscape mode support on iPad
SWACU
Reported bugs
1 issue- No rewards counter in the new app
Requested features
1 request- Provide rewards transactions and tracking
In-app purchases
Texas Trust’s Mobile Banking
No in-app purchases
SWACU
No in-app purchases
Questions
Is Texas Trust’s Mobile Banking free?
Is SWACU free?
Which has better reviews, Texas Trust’s Mobile Banking or SWACU?
Do Texas Trust’s Mobile Banking or SWACU have ads?
Which is updated more often, Texas Trust’s Mobile Banking or SWACU?
Other comparisons
