# BOS Mobile Banking vs ISPFCU

The clearest difference is monetization model: ISPFCU at free against BOS Mobile Banking's free with in-app purchases. ISPFCU also leads on iOS requirement (12.1 vs 15.0). BOS Mobile Banking's advantage is ratings volume (2.2K vs 182). 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 BOS Mobile Banking against 4.9 for ISPFCU. That said, the two scores are not equally well evidenced: BOS Mobile Banking has 2.2K ratings behind it against 182, so its average is the more settled of the two.

BOS Mobile Banking ships an update every 4 months, ISPFCU every 2 months. The most recent releases landed on October 17, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | BOS Mobile Banking | ISPFCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (2.2K ratings)](https://appshunter.io/ios/app/bos-mobile-banking/id575889751/reviews) | **[4.9 (182 ratings)](https://appshunter.io/ios/app/ispfcu/id1609668386/reviews)** |
| Number of ratings | **2.2K** | 182 |
| Positive reviews | 46.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 months** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 118 MB | 77 MB |
| Requires iOS | 15.0 | **12.1** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Bank of Springfield](https://appshunter.io/developer/575889754) | [Illinois State Police Federal Credit Union](https://appshunter.io/developer/842889724) |

## What reviewers say

### BOS Mobile Banking

[App page](https://appshunter.io/ios/app/bos-mobile-banking/id575889751)

Securely manage your bank account on the go. Check balances, view transactions, transfer funds, and pay bills directly from your mobile device using your existing online banking credentials.

**Highlights:** Check account balances, View recent transactions, Transfer money between accounts, Pay bills, Secure mobile banking

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly
- 🚀 Smooth and reliable
- 💡 Convenient and easy to use
- 👍 Great for less tech-savvy users
- 🚀 Efficient internal transfer feature

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Unreliable app performance
- 🐛 Bugs and glitches after updates
- 🔒 Security concerns with account access
- 🔧 Inconvenient UI changes

**Reported bugs**

- App crashes and freezes frequently
- Face/fingerprint ID recognition not working
- Inability to access account after updates
- Compatibility issues with older devices

**Requested features**

- Bring back old, more user-friendly UI
- Add option to disable mandatory updates
- Improve deposit and payment functionalities
- Provide better visibility into overdraft accounts


### ISPFCU

[App page](https://appshunter.io/ios/app/ispfcu/id1609668386)

Easily manage your accounts, view balances, and review transactions. Deposit checks, transfer funds, and ensure your financial information is protected with secure login and two-factor authentication.

**Highlights:** View account balances, Review transaction history, Deposit checks, Transfer money between accounts, Secure login, Two-factor authentication

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BOS Mobile Banking free?

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

### Is ISPFCU free?

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

### Which has better reviews, BOS Mobile Banking or ISPFCU?

ISPFCU is rated higher. BOS Mobile Banking averages 4.8 out of 5 from 2.2K ratings, while ISPFCU averages 4.9 from 182 ratings.

### Do BOS Mobile Banking or ISPFCU have ads?

Neither BOS Mobile Banking nor ISPFCU shows ads.

### Which is updated more often, BOS Mobile Banking or ISPFCU?

BOS Mobile Banking ships an update every 4 months, and ISPFCU every 2 months. Most recently, BOS Mobile Banking was updated on October 17, 2026 and ISPFCU on October 16, 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.*