On vs MyRepChat
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
On
Deposit checks remotely using your mobile device in a few simple steps. This app allows U.S. Bank business clients to avoid trips to the bank for check deposits. It offers a secure and convenient way to manage business finances on the go.
- Remote check deposit
- Easy-to-use interface
- Secure transmissions
- No sensitive data stored on device
- Business client solution
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U.S. Bank On-Site Electronic Deposit is an easy-to-use mobile remote deposit capture solution. In just a few easy steps, you can deposit checks without making a trip to the bank. Please note: You must be a U.S. Bank business client enrolled in On-Site Electronic Deposit to use this mobile application. Before using this application, your On-Site Electronic Deposit system administrator must provide you a username and password. For more information about U.S. Bank On-Site Electronic Deposit, contact a U.S.Bank Treasury Management Consutlant. Visit usbank.com/treasurymanagement/contactus to locate a consultant in your area. The U.S. Bank On-Site Electronic Deposit mobile application is free to download. Your mobile carrier may charge access fees depending on your specific plan. Check with your mobile carrier for applicable fees or charges. Some mobile features may require additional online set up. The U.S. Bank On-Site Electronic Deposit application is supported on iPhones and iPads compatible with iOS versions 9.3 to current. U.S. Bank is committed to protecting your security. No sensitive account information or username and password are ever stored on your mobile device and secure encryption is used to protect all transmissions. Service may be subject to credit approval. Eligibility requirements, other conditions, and fees may apply. Deposit products offered by U.S. Bank National Association. Member FDIC. ©2019 U.S. Bank National Association. All rights reserved.
MyRepChat
This app provides compliant text messaging for financial professionals. It ensures conversations are retained, reportable, and archivable, while offering a familiar texting experience for clients without requiring them to install new software.
- Compliant text messaging
- Client and colleague communication
- Conversation retention
- Reporting and archiving
- Client-side familiarity
- No client app installation
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MyRepChat enables financial professionals to text with clients and colleagues while meeting the strict compliance requirements of the financial industry. All conversations are securely captured, retained, and available for reporting or integration with leading third-party archiving providers — giving your firm the oversight it needs without changing how you communicate. Best of all, your clients don’t need to download anything new. They simply text you the way they always have, using the native messaging app on their phone. Compliant messaging, without the friction.
Screenshots
Verdict
The clearest difference is rating: MyRepChat at 2.5 against On's 1.4. MyRepChat also leads on update cadence (every 3 weeks vs every 12 months). On price, review sentiment, ratings volume 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.
MyRepChat holds the better App Store score, 2.5 against 1.4. Both are backed by a comparable volume of ratings — 70 and 59 respectively. Written reviews point the same way: 6% of On's written reviews are positive against 13% of MyRepChat's.
On ships an update every 12 months, MyRepChat every 3 weeks. The most recent releases landed on October 22, 2026 and October 21, 2026 respectively.
| Parameter | On | MyRepChat |
|---|---|---|
| Price | Free | Free |
| Rating | 1.4 (70 ratings) | 2.5 (59 ratings) — better |
| Positive reviews | 5.9% of reviews | 13.1% of reviews — better |
| Number of ratings | 70 — better | 59 |
| Update frequency | Every 12 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 95 MB | 47 MB |
| Age rating | 4+ | 4+ |
| Developer | U.S. Bancorp | fmg Suite, LLC. |
Customer experience
On
MyRepChat
Bugs and requests
On
Not enough reviews yet to summarise bugs or requests.
MyRepChat
Reported bugs
14 issues- App crashes frequently
- Notifications not clearing (ghost notifications)
- Messages not sending or not being received
- App freezes or goes blank
- Login issues (white screen, single sign-on loop)
Show 9 moreShow fewer
- Calls dropping or not ringing
- MMS not supported
- Duplicate contacts
- Cannot compose new messages directly
- Inconsistent message updates
- Typing blindly when sentence exceeds screen width
- Badge notifications not updating
- Cannot send pictures or images
- Unread message indicators persist after reading
Requested features
7 requests- Ability to block spam calls easily
- Support for group texts
- Improve contact integration with Outlook
- Allow changing login duration
- Dedicated mobile app with texting focus
Show 2 moreShow fewer
- Dark mode option
- Advanced analytics dashboard
In-app purchases
On
No in-app purchases
MyRepChat
No in-app purchases
