# EECU Mobile Banking vs SWACU

EECU Mobile Banking and SWACU both sit at 4.8 stars, but that hides the real split: 76% of SWACU's written reviews are positive against 48% of EECU Mobile Banking's. SWACU also leads on monetization model (free vs free with in-app purchases) and update cadence (every 4 weeks vs every 3 months). EECU Mobile Banking's advantage is ratings volume (17K vs 4.1K). On price, rating, ads and in-app purchases 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 EECU Mobile Banking against 4.9 for SWACU. Both are backed by a comparable volume of ratings — 17K and 4.1K respectively. Written reviews are what separate them: 48% of EECU Mobile Banking's written reviews are positive against 76% of SWACU's.

EECU Mobile Banking ships an update every 3 months, SWACU every 4 weeks. Both last shipped on October 28, 2026.

## The numbers

| Metric | EECU Mobile Banking | SWACU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (17K ratings)](https://appshunter.io/ios/app/eecu-mobile-banking/id573309122/reviews) | **[4.9 (4.1K ratings)](https://appshunter.io/ios/app/swacu/id6740840849/reviews)** |
| Number of ratings | **17K** | 4.1K |
| Positive reviews | 48.5% of reviews | **75.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 4 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 114 MB | 196 MB |
| Requires iOS | **17.0** | 18.4 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [EECU](https://appshunter.io/developer/573309125) | [Southwest Airlines Federal Credit Union](https://appshunter.io/developer/533214182) |

## What reviewers say

### EECU Mobile Banking

[App page](https://appshunter.io/ios/app/eecu-mobile-banking/id573309122)

Manage your EECU accounts conveniently from your mobile device. Check balances, view transactions, deposit checks, pay bills, and transfer funds on the go. Locate branches and ATMs easily.

**Highlights:** Check account balances, View transaction history, Mobile check deposit (iPhone), Bill payment, Fund transfers, Cash back offer management, Branch and ATM locator

**Features:** Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💰 Zelle money transfers
- 👍 Straightforward and easy-to-read statements
- 👍 Friendly and helpful staff
- 👍 Efficient and easy to use
- 👍 Convenient mobile banking

**What reviewers complain about**

- 🐛 Frequent app crashes and downtime
- 🐛 Delayed transactions and deposits
- 🐛 Unreliable transfer and deposit functions
- 🐛 Inconsistent account balances and pending transactions
- 🐛 Broken mobile deposit feature

**Reported bugs**

- Mobile deposit camera not working
- Inability to link external accounts
- Zelle payment acceptance issues
- Frequent application errors

**Requested features**

- Bring back banking widget for iOS
- Add calendar for bill pay date selection
- Allow custom account naming
- Improve organization and layout of updated app


### 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 EECU Mobile Banking free?

EECU 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, EECU Mobile Banking or SWACU?

SWACU is rated higher. EECU Mobile Banking averages 4.8 out of 5 from 17K ratings, while SWACU averages 4.9 from 4.1K ratings.

### Do EECU Mobile Banking or SWACU have ads?

Neither EECU Mobile Banking nor SWACU shows ads.

### Which is updated more often, EECU Mobile Banking or SWACU?

EECU Mobile Banking ships an update every 3 months, and SWACU every 4 weeks. Most recently, EECU Mobile Banking was updated on October 28, 2026 and SWACU on October 28, 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.*