Comparison

LAPFCU Mobile Banking vs HRAgo

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

LAPFCU Mobile Banking

Manage your finances on the go with this mobile banking app. Access account details, transfer funds, deposit checks, and pay bills securely from anywhere. Includes budgeting tools and ATM locators.

Highlights
  • Check account balances and transactions
  • Transfer funds and pay bills
  • Mobile check deposits
  • View loan and credit offers
  • Locate ATMs and Shared Branches
  • Manage credit and debit cards
  • Budgeting and credit management tools
Features
Read full description

LAPFCU Mobile - Take Us With You! With Los Angeles Police Federal Credit Union's FREE mobile banking application, safe, secure banking services are available anytime, anywhere. • Check account balances, view transactions, and access account history and statements • Pay bills online, transfer funds, Zelle®, and mobile check deposits • View and accept pre-approved loan and credit offers • Locate fee-free ATMs or Shared Branch credit unions in your area • Easily manage your credit and debit cards • Easy-to-use free budgeting and credit management tools

About

HRAgo

Manage your Health Reimbursement Arrangement (HRA), Health Savings Account (HSA), Flexible Spending Account (FSA), and RHSP accounts. View balances, transaction history, submit claims, upload documentation, and update personal and investment information.

Highlights
  • View account balances and activity
  • Submit claims and documentation
  • Update contact information
  • Manage investment allocations
  • View account statements
  • Direct deposit reimbursements
Read full description

HRAgo allows you to view your account balance, as well specific account activity and history on your Funded HRA, HSA, FSA, and RHSP accounts. You can also submit claims, submit benefits card supporting documentation*, update your contact information, make investment allocation changes**, and update your account preferences directly from your iPhone or iPad. Prior to using HRAgo, you’ll need to have an existing portal user account. If you haven’t already registered your HRA/HSA/FSA/RHSP account under your plan’s respective website, please do this first. Once registered, you can use the same portal account credentials to access your account via HRAgo. Key Features: • View current account balance and activity for all of your accounts • View participant account statements** • Submit new HRA, FSA, and RHSP claims • View and search HRA, FSA, and RHSP claims history • Submit benefits card supporting documentation* • View and search benefits card transactions* • Manage your investment allocations** • Update your contact information • Sign up to receive reimbursements via direct deposit • Use Face ID or Touch ID to log in * Benefits card features are only available to participants who are enrolled in a plan that offers this option, and have elected to receive a card. ** Feature specific to invested accounts.

Screenshots

LAPFCU Mobile Banking4 screens
HRAgo4 screens

Verdict

The call

The clearest difference is rating: LAPFCU Mobile Banking at 4.7 against HRAgo's 3.6. LAPFCU Mobile Banking also leads on review sentiment (62% vs 38%) and ratings volume (5.4K vs 275). HRAgo's advantage is monetization model (free vs free with in-app purchases). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

LAPFCU Mobile Banking holds the better App Store score, 4.7 against 3.6. That said, the two scores are not equally well evidenced: LAPFCU Mobile Banking has 5.4K ratings behind it against 275, so its average is the more settled of the two. Written reviews point the same way: 62% of LAPFCU Mobile Banking's written reviews are positive against 38% of HRAgo's.

UpkeepUpdate frequency

LAPFCU Mobile Banking ships an update every 4 months, HRAgo every 3 months. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
LAPFCU Mobile Banking versus HRAgo: the parameters behind the verdict, then further details
ParameterLAPFCU Mobile BankingHRAgo
PriceFreeFree
Rating4.7 (5.4K ratings) — better3.6 (275 ratings)
Positive reviews61.8% of reviews — better37.7% of reviews
Number of ratings5.4K — better275
Update frequencyEvery 4 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, Apple WatchiPhone, iPad, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size87 MB44 MB
Age rating4+4+
DeveloperLos Angeles Police FCUEmpire Innovation Group, LLC

Customer experience

LAPFCU Mobile Banking

All ratings5,311 ratings
Positive92.0%
Neutral2.3%
Negative5.7%
Written reviews445 reviews
Positive61.8%
Neutral10.1%
Negative28.1%

HRAgo

All ratings258 ratings
Positive62.0%
Neutral5.8%
Negative32.2%
Written reviews106 reviews
Positive37.7%
Neutral8.5%
Negative53.8%

User reviews

LAPFCU Mobile Banking

From 5.4K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Convenient
  • 🔒 Secure
  • 💡 Helpful features
  • 👍 User-friendly

Room to improve

  • 🐛 Complicated navigation
  • 🐛 Difficult to find information
  • 🐛 Clunky interface
  • 🐛 Worse than previous version
  • 🐛 Buggy

HRAgo

From 275 App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Efficient claims submission
  • 🤝 Great customer service
  • 📱 User-friendly app
  • ✅ Makes HRA easy

Room to improve

  • 🐌 Slow processing
  • ❌ Denied claims frequently
  • 😩 Cumbersome process
  • ❓ Lack of explanation for denials
  • 📚 Difficult to upload documents

Bugs and requests

LAPFCU Mobile Banking

Reported bugs

5 issues
  • Mobile deposit camera not working
  • Frequent app crashes
  • Inability to transfer money between accounts
  • Delayed transaction notifications
  • Duplicated payments

Requested features

5 requests
  • Ability to see credit card transactions and details
  • Improved bill pay functionality
  • More intuitive navigation
  • Ability to label scheduled transfers
  • Better integration with credit card accounts

HRAgo

Reported bugs

16 issues
  • Unable to log out
  • Cannot add documentation from photo library
  • App won't attach images for claims
  • Cannot find 'Benefits Card' tab
  • Kicked out before finishing upload
Show 11 more
  • App won't submit a claim
  • Website doesn't allow actions mentioned in mail
  • Forgot password/username not available
  • App won't log out without review
  • Cannot use camera or access photo album
  • Cannot submit claim information
  • Save login/username not working
  • Cannot get past login screen
  • Cannot log in
  • Listed individuals not showing in app
  • One-time rebalance not working

Requested features

9 requests
  • Allow adding multiple documents
  • Provide information on covered expenses
  • Improve navigation for monitoring deposits/credits/payments
  • Add a 'forgot password' option
  • Allow saving login credentials
Show 4 more
  • Show used and remaining account balance when filling claims
  • Allow access to all submitted documentation
  • List of what the card can be used for
  • Option to opt-out of the service

In-app purchases

None

LAPFCU Mobile Banking

No in-app purchases

None

HRAgo

No in-app purchases

Questions

Is LAPFCU Mobile Banking free?
LAPFCU Mobile Banking is free to download, with no in-app purchases.
Is HRAgo free?
HRAgo is free to download, with no in-app purchases.
Which has better reviews, LAPFCU Mobile Banking or HRAgo?
LAPFCU Mobile Banking is rated higher. LAPFCU Mobile Banking averages 4.7 out of 5 from 5.4K ratings, while HRAgo averages 3.6 from 275 ratings.
Do LAPFCU Mobile Banking or HRAgo have ads?
Neither LAPFCU Mobile Banking nor HRAgo shows ads.
Which is updated more often, LAPFCU Mobile Banking or HRAgo?
LAPFCU Mobile Banking ships an update every 4 months, and HRAgo every 3 months. Most recently, LAPFCU Mobile Banking was updated on October 26, 2026 and HRAgo on October 24, 2026.

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