# On vs MyRepChat

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.

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.

## The numbers

| Metric | On | MyRepChat |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.4 (70 ratings)](https://appshunter.io/ios/app/on-site-electronic-deposit/id583155609/reviews) | **[2.5 (59 ratings)](https://appshunter.io/ios/app/myrepchat/id1242548974/reviews)** |
| Number of ratings | **70** | 59 |
| Positive reviews | 5.9% of reviews | **13.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 12 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 95 MB | 47 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [U.S. Bancorp](https://appshunter.io/developer/458734630) | [fmg Suite, LLC.](https://appshunter.io/developer/628026796) |

## What reviewers say

### On

[App page](https://appshunter.io/ios/app/on-site-electronic-deposit/id583155609)

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.

**Highlights:** Remote check deposit, Easy-to-use interface, Secure transmissions, No sensitive data stored on device, Business client solution

**Features:** macOS Compatibility

**In-app purchases:** none


### MyRepChat

[App page](https://appshunter.io/ios/app/myrepchat/id1242548974)

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.

**Highlights:** Compliant text messaging, Client and colleague communication, Conversation retention, Reporting and archiving, Client-side familiarity, No client app installation

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- ✨ Improved UI/UX (recent updates)
- 🚀 Smoother performance (recent updates)
- 👍 Good balance of compliance and practice management
- 💡 Useful for client/advisor engagement
- ✅ Compliant texting solution

**What reviewers complain about**

- 🐛 Frequent bugs and glitches
- 👎 Poor usability and user experience
- 🐌 Slow performance
- ❌ Unreliable message delivery
- 🚫 Lacks group texting functionality

**Reported bugs**

- 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)

**Requested features**

- 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


## Frequently asked questions

### Is On free?

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

### Is MyRepChat free?

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

### Which has better reviews, On or MyRepChat?

MyRepChat is rated higher. On averages 1.4 out of 5 from 70 ratings, while MyRepChat averages 2.5 from 59 ratings.

### Do On or MyRepChat have ads?

Neither On nor MyRepChat shows ads.

### Which is updated more often, On or MyRepChat?

On ships an update every 12 months, and MyRepChat every 3 weeks. Most recently, On was updated on October 22, 2026 and MyRepChat on October 21, 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.*