Centra Mobile vs UMassFive Mobile Banking
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Centra Mobile
Manage your finances on the go with this banking app. Deposit checks, send money, pay bills, and track your spending and budget. You can also manage your debit cards and set up account alerts.
- Deposit checks remotely
- Send money with Zelle®
- Manage debit cards
- Pay bills and set up recurring payments
- Track spending and balances
- Create budgets and track income
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Banking digitally at Centra means you can transfer money, pay bills, send money to friends, and monitor your account activity from anywhere, anytime. Features: DEPOSIT CHECKS Save yourself a trip by quickly snapping photos of your check to deposit into your account. SEND MONEY IN THE MOMENT WITH ZELLE® Send money to friends, family, and others you know and trust. MANAGE YOUR CARDS Protect your money by defining when, where, and how your Centra debit cards are used. PAY BILLS Use Bill Pay to pay bills quickly or create convenient recurring payments. TRACK YOUR SPENDING Stay on top of your transactions and balances by creating customized account alerts. MAKE A BUDGET Meet your savings goals by easily tracking expenses and income. Federally Insured by NCUA.
UMassFive Mobile Banking
Manage your finances securely and conveniently from your mobile device. This app offers robust security features like card controls and budgeting tools to help you monitor your spending, set savings goals, and access your accounts anytime, anywhere.
- Card on/off controls
- Spending limits
- Geographic/merchant restrictions
- Remote check deposit
- Bill pay
- Budgeting and savings goals
- Fund transfers
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Enjoy the convenience of Mobile Banking on the go, with enhanced security controls and budgeting tools that make secure access to your accounts, and management of your full financial picture easy. FEATURES Available anytime, anywhere, 24/7, with UMassFive Mobile Banking you can: - Turn your debit or credit card on and off - Set spending limits - Restrict use of your debit or credit card to specific geographic locations or by merchant type - Create and share travel plans - Send money to friends and family with Zelle® - Deposit checks remotely - Check account balances - Pay bills - Budget and set savings goals - Transfer funds - Open new accounts - Find your nearest UMassFive Branch/ATM - Contact UMassFive - Opt in for instant push alert notifications relevant to your accounts and much more.
Screenshots
Verdict
Centra Mobile and UMassFive Mobile Banking both sit at 4.9 stars, but that hides the real split: 81% of Centra Mobile's written reviews are positive against 30% of UMassFive Mobile Banking's. Centra Mobile also leads on ratings volume (11K vs 3.1K). UMassFive Mobile Banking's advantage is monetization model (free vs free with in-app purchases). On price, rating, update cadence 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 — 4.9 for Centra Mobile against 4.8 for UMassFive Mobile Banking. Both are backed by a comparable volume of ratings — 11K and 3.1K respectively. Written reviews are what separate them: 81% of Centra Mobile's written reviews are positive against 30% of UMassFive Mobile Banking's.
Centra Mobile ships an update every 2 months, UMassFive Mobile Banking every 3 months. The most recent releases landed on September 22, 2026 and September 24, 2026 respectively.
| Parameter | Centra Mobile | UMassFive Mobile Banking |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (11K ratings) — better | 4.8 (3.1K ratings) |
| Positive reviews | 80.7% of reviews — better | 29.8% of reviews |
| Number of ratings | 11K — better | 3.1K |
| Update frequency | Every 2 months — better | Every 3 months |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Requires iOS | 15.1 — better | 16.0 |
| Further details — not scored | ||
| Size | 118 MB | 90 MB |
| Age rating | 4+ | 4+ |
| Developer | Centra Credit Union | UMass Five College Federal Credit Union |
Customer experience
Centra Mobile
UMassFive Mobile Banking
User reviews
Centra Mobile
From 11K App Store ratingsWhat we love
- 🚀 Fast and efficient
- 👍 User-friendly and easy to navigate
- 💳 Convenient banking features
- 🔒 Secure and reliable
- 💡 Great customer service
Room to improve
- 🐛 Occasional crashes and freezes
- 🔒 Strict security measures can be inconvenient
- 💳 Limited functionality for loan payments
- 🔍 Difficulty finding certain information
UMassFive Mobile Banking
From 3.1K App Store ratingsWhat we love
- 🚀 Easy to use
- 👍 Smooth transitions
- 💡 Great for online banking
Room to improve
- 🐛 Login issues
- 🐛 Frequent crashes
- 🐛 Face/Touch ID not working
- 🐛 Unreliable app performance
- 🐛 Inconsistent user experience
Bugs and requests
Centra Mobile
Reported bugs
3 issues- Login issues after app update
- Landscape mode and printing not working
- Frequent disconnections of external accounts
Requested features
4 requests- Ability to pay extra on loan principal
- Improved Zelle integration
- More customization options
- Expanded account linking capabilities
UMassFive Mobile Banking
Reported bugs
5 issues- Login not working
- App crashing
- Face/Touch ID not functioning
- Frequent errors and timeouts
- Inconsistent user experience across updates
Requested features
3 requests- Purchase transaction notifications
- Credit card transaction history integration
- Improved authentication options
In-app purchases
Centra Mobile
No in-app purchases
UMassFive Mobile Banking
No in-app purchases
Questions
Is Centra Mobile free?
Is UMassFive Mobile Banking free?
Which has better reviews, Centra Mobile or UMassFive Mobile Banking?
Do Centra Mobile or UMassFive Mobile Banking have ads?
Which is updated more often, Centra Mobile or UMassFive Mobile Banking?
Other comparisons
