# CapEd Mobile Banking vs MountainWest

The clearest difference is monetization model: CapEd Mobile Banking at free against MountainWest's free with in-app purchases. CapEd Mobile Banking also leads on review sentiment (87% vs 66%) and ratings volume (14K vs 3.7K). 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 — 4.8 for CapEd Mobile Banking against 4.8 for MountainWest. Both are backed by a comparable volume of ratings — 14K and 3.7K respectively. Written reviews are what separate them: 87% of CapEd Mobile Banking's written reviews are positive against 66% of MountainWest's.

Both ship on a similar rhythm, roughly monthly. Both last shipped on October 25, 2026.

## The numbers

| Metric | CapEd Mobile Banking | MountainWest |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (14K ratings)](https://appshunter.io/ios/app/caped-mobile-banking/id542834433/reviews)** | [4.8 (3.7K ratings)](https://appshunter.io/ios/app/mountainwest/id6474047482/reviews) |
| Number of ratings | **14K** | 3.7K |
| Positive reviews | **87.2% of reviews** | 66.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 129 MB | 199 MB |
| Requires iOS | **16.0** | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Capital Educators Federal Credit Union](https://appshunter.io/developer/542834436) | [Glacier Bank](https://appshunter.io/developer/533995512) |

## What reviewers say

### CapEd Mobile Banking

[App page](https://appshunter.io/ios/app/caped-mobile-banking/id542834433)

Manage your finances on the go with comprehensive mobile banking features. Deposit checks, transfer funds, pay bills, and apply for loans securely. Aggregate all your accounts, both internal and external, for a complete financial overview.

**Highlights:** Deposit checks, Transfer money, Pay bills, Apply for loans, Aggregate external accounts, Update personal information, Secure transactions

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient mobile banking
- 💳 Great for managing accounts
- 🏦 Excellent credit union
- 🤝 Helpful and friendly staff

**What reviewers complain about**

- 🐛 Occasional app crashes
- 🔒 Frequent identity verification issues
- 💳 Inability to view credit card transactions within app
- 🔍 Lack of advanced features (e.g., budgeting)

**Reported bugs**

- Mobile check deposit issues
- App not working after recent updates
- Facial recognition feature not functioning

**Requested features**

- Notification for account deposits/withdrawals
- Faster transfer times between accounts
- Ability to set budgets and track spending within the app
- Improved mobile check deposit functionality


### MountainWest

[App page](https://appshunter.io/ios/app/mountainwest/id6474047482)

Manage your finances with this personal financial advocate. Organize transactions, set alerts, make payments, transfer funds, and deposit checks. Secure your account with a passcode or biometrics.

**Highlights:** Organize transactions with tags, notes, and photos, Set balance alerts, Make payments to companies and friends, Transfer money between accounts, Deposit checks via photo, Manage debit cards, View and save statements

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Ease of use
- 👍 Convenient
- 👍 Intuitive and user-friendly interface
- 👍 Sleek and modern design
- 🚀 Fast and efficient

**What reviewers complain about**

- 🐛 Slow app loading times
- 🐛 Spinning wheel of death
- 🐛 Inconsistencies in the new system
- 🔋 Too many notifications

**Reported bugs**

- Slow app loading times
- Spinning wheel of death
- Inconsistencies in the new system

**Requested features**

- Dark mode option
- Ability to see true available balance at a glance


## Frequently asked questions

### Is CapEd Mobile Banking free?

CapEd Mobile Banking is free to download, with no in-app purchases.

### Is MountainWest free?

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

### Which has better reviews, CapEd Mobile Banking or MountainWest?

CapEd Mobile Banking is rated higher. CapEd Mobile Banking averages 4.8 out of 5 from 14K ratings, while MountainWest averages 4.8 from 3.7K ratings.

### Do CapEd Mobile Banking or MountainWest have ads?

Neither CapEd Mobile Banking nor MountainWest shows ads.

### Which is updated more often, CapEd Mobile Banking or MountainWest?

CapEd Mobile Banking ships an update monthly, and MountainWest monthly. Most recently, CapEd Mobile Banking was updated on October 25, 2026 and MountainWest on October 25, 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.*