# Texas Trust’s Mobile Banking vs SWACU

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.

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.

## The numbers

| Metric | Texas Trust’s Mobile Banking | SWACU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (22K ratings)](https://appshunter.io/ios/app/texas-trusts-mobile-banking/id536646901/reviews) | **[4.9 (4.2K ratings)](https://appshunter.io/ios/app/swacu/id6740840849/reviews)** |
| Number of ratings | **22K** | 4.2K |
| Positive reviews | **76.7% of reviews** | 75.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 4 weeks** |
| Monetization | Free | Free |
| Size | 29 MB | 196 MB |
| Requires iOS | **16** | 18.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Texas Trust Credit Union](https://appshunter.io/developer/536646904) | [Southwest Airlines Federal Credit Union](https://appshunter.io/developer/533214182) |

## What reviewers say

### Texas Trust’s Mobile Banking

[App page](https://appshunter.io/ios/app/texas-trusts-mobile-banking/id536646901)

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.

**Highlights:** Fingerprint and facial recognition login, Internal and external fund transfers, Loan payments, Mobile check deposit, Card management, Secure messaging

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Outstanding customer service
- 🚀 Convenient mobile banking features
- 🔒 Secure login options
- 💡 Improved app experience over previous version
- 👍 Friendly and helpful staff

**What reviewers complain about**

- 🐛 Inconsistent login/biometric authentication
- 🐛 Occasional app crashes or freezes
- 🔍 Lack of landscape mode on iPad
- 💰 Unexpected fees and account holds

**Reported bugs**

- Mobile deposit feature not working
- Quick Balance setting keeps resetting
- Incorrect money transfers to wrong accounts

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/swacu/id6740840849)

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.

**Highlights:** 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

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🔍 Menus take a while to find where you need to go

**Reported bugs**

- No rewards counter in the new app

**Requested features**

- Provide rewards transactions and tracking


## Frequently asked questions

### Is Texas Trust’s Mobile Banking free?

Texas Trust’s Mobile Banking is free to download, with no in-app purchases.

### Is SWACU free?

SWACU is free to download, with no in-app purchases.

### Which has better reviews, Texas Trust’s Mobile Banking or SWACU?

SWACU is rated higher. Texas Trust’s Mobile Banking averages 4.8 out of 5 from 22K ratings, while SWACU averages 4.9 from 4.2K ratings.

### Do Texas Trust’s Mobile Banking or SWACU have ads?

Neither Texas Trust’s Mobile Banking nor SWACU shows ads.

### Which is updated more often, Texas Trust’s Mobile Banking or SWACU?

Texas Trust’s Mobile Banking ships an update every 3 months, and SWACU every 4 weeks. Most recently, Texas Trust’s Mobile Banking was updated on November 9, 2026 and SWACU on November 8, 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.*