Texans CU vs SWACU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Texans CU
Manage your finances on the go with this mobile banking application. View account balances, review recent transactions, transfer funds, pay bills, and deposit checks conveniently from your device.
- View account balances
- Review recent transactions
- Transfer money
- Pay bills
- Deposit checks
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Your accounts travel with you with the Texans CU mobile app. View your account balances and recent transactions, transfer money, pay bills, and deposit your checks all from the comfort of your home.
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
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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 rating: SWACU at 4.9 against Texans CU's 3.9. SWACU also leads on review sentiment (76% vs 43%) and monetization model (free vs free with in-app purchases). Texans CU's advantage is iOS requirement (16.0 vs 18.4). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
SWACU holds the better App Store score, 4.9 against 3.9. That said, the two scores are not equally well evidenced: SWACU has 4.1K ratings behind it against 199, so its average is the more settled of the two. Written reviews point the same way: 43% of Texans CU's written reviews are positive against 76% of SWACU's.
Texans CU ships an update every 2 months, SWACU every 4 weeks. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.
| Parameter | Texans CU | SWACU |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (199 ratings) | 4.9 (4.1K ratings) — better |
| Positive reviews | 43.0% of reviews | 75.8% of reviews — better |
| Number of ratings | 199 | 4.1K — better |
| Update frequency | Every 2 months | Every 4 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 — better | 18.4 |
| Further details — not scored | ||
| Size | 185 MB | 196 MB |
| Age rating | 4+ | 4+ |
| Developer | Texans Credit Union | Southwest Airlines Federal Credit Union |
Customer experience
Texans CU
SWACU
User reviews
Texans CU
From 199 App Store ratingsWhat we love
- 👍 User-friendly interface and easy navigation
- 💰 Convenient mobile check deposit feature
- 🔒 Secure authentication options (Face ID, fingerprint)
- 💳 Ability to transfer funds between accounts
- 📊 Transaction tracking and spending insights
Room to improve
- 🐛 Frequent crashes and app freezes
- 🐛 Blank white screen on launch
- ⏳ Persistent loading icons and slow performance
- 🔐 Login credential issues and authentication failures
- 📱 Repeated forced sign-outs
SWACU
From 4.1K 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
Texans CU
Reported bugs
18 issues- App fails to open or displays blank white screen
- Face ID only works on initial app launch
- Indefinite loading circles on settings tabs
- Camera shaded/unable to capture check images
- Login credentials rejected despite being correct
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- Forced sign-outs requiring re-authentication
- Mobile check deposit feature unavailable or crashing
- Date selection dropdown non-functional for transfers
- App hangs during camera access for deposits
- Screen freezes before rating request
- App relaunches over itself after Face ID authentication
- Phone orientation issues during check deposit
- Bill pay setup errors and failures
- External account linking extremely slow
- Cannot unblock card after midnight
- Update fails to download or install properly
- Autocapture cantankerous during mobile deposits
- Check picture review process broken
Requested features
13 requests- Zelle integration and functionality
- Credit card payment capability through app
- Account nickname/custom naming feature
- Quick balance widget for lock screen
- Dark mode/Night mode support
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- Transaction search functionality
- Apple Pay integration
- Autopay setup with external bank accounts
- Pending transaction display within 24 hours
- Account balance below threshold notifications
- Fingerprint/Touch ID authentication
- Mobile check deposit with picture capture
- Payment scheduling with flexible date selection
SWACU
Reported bugs
1 issue- No rewards counter in the new app
Requested features
1 request- Provide rewards transactions and tracking
In-app purchases
Texans CU
No in-app purchases
SWACU
No in-app purchases
