# LAPFCU Mobile Banking vs HRAgo

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.

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

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.

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.

## The numbers

| Metric | LAPFCU Mobile Banking | HRAgo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (5.4K ratings)](https://appshunter.io/ios/app/lapfcu-mobile-banking/id574539303/reviews)** | [3.6 (275 ratings)](https://appshunter.io/ios/app/hrago/id946966606/reviews) |
| Number of ratings | **5.4K** | 275 |
| Positive reviews | **61.8% of reviews** | 37.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 3 months** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 87 MB | 44 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Los Angeles Police FCU](https://appshunter.io/developer/574539310) | [Empire Innovation Group, LLC](https://appshunter.io/developer/946966605) |

## What reviewers say

### LAPFCU Mobile Banking

[App page](https://appshunter.io/ios/app/lapfcu-mobile-banking/id574539303)

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:** Apple Wallet, Apple Watch app

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/hrago/id946966606)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*