Comparison

Surency Flex vs INTRUST Bank

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

Head to head
About

Surency Flex

Easily manage your health benefit accounts like HSA, HRA, and FSA on the go. Quickly check balances, view account details, and submit claims with real-time access and secure navigation.

Highlights
  • Check account balances 24/7
  • View account summaries and charts
  • Submit claims with receipt photos
  • Manage HSA transactions
  • Pay bills and add payees
  • Report lost or stolen debit cards
Features
Read full description

Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply login to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your medical FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Using the Dashboard, enter medical expense information and supporting documentation • Retrieve your forgot username/password • Report a debit card as lost or stolen Powered by WEX Health®

About

INTRUST Bank

Manage your banking accounts conveniently and securely from your mobile device. View transactions, transfer funds, pay bills, deposit checks, and control your debit card. Get support and locate ATMs easily.

Highlights
  • View and manage accounts
  • Transfer funds between accounts
  • Pay bills
  • Deposit checks via mobile
  • Manage debit card features
  • Send money with Zelle®
  • Locate ATMs and banking centers
Features
Read full description

Our history of innovation can be traced back to our founding in 1876. Today that means giving you convenient and secure access to manage your accounts through our mobile banking app. If you don’t have an account with INTRUST Bank, you can open a FREE personal or business checking account. Visit intrustbank.com to learn more about the personal and business banking accounts we offer. Whether you’re an individual or a business owner, here’s what you can do with the app: VIEW AND MANAGE YOUR ACCOUNTS AND TRANSACTIONS View your INTRUST checking, savings, time deposit, and loan accounts in one convenient location. Monitor balances, search through recent transactions, view statements, and create alerts. Add custom tags and upload images to individual transactions to help keep you organized. CUSTOMIZE YOUR DASHBOARD Personalize your experience by customizing your dashboard to highlight the accounts and tools you use most often and hide those you don’t. TRANSFER FUNDS Easily transfer money between your INTRUST accounts, or between your personal accounts at INTRUST and those you own at other financial institutions. Schedule a one-time transfer when you need it or set up a recurring transfer to help you grow your savings. PAY BILLS Schedule one-time or recurring payments to any business in the United States. Manage your payees by adding new or editing existing entries. SEND MONEY WITH ZELLE® (not available for business accounts) Send money to family and friends using just a U.S. mobile phone number or email address. MANAGE YOUR DEBIT CARD Do more to prevent fraudulent charges with powerful card management tools. Turn your debit card on and off at the tap of a button. Set up notifications for when your card is used. You can even set limits based on geography, transaction amount, or merchant and transaction types. DEPOSIT CHECKS Deposit paper checks into your accounts using the camera on your smart phone or tablet. No visit to the bank required. GET SUPPORT WITH MESSAGES If you have a question or need help with your accounts, you can start a conversation with customer service at any time online or through the app. A customer service representative will be there to assist you as soon as possible during our support hours. You can even quickly reference specific accounts, transactions, or payments in your message to keep the conversation running smoothly. LOCATE BANKING CENTERS AND ATMS Locate nearby INTRUST banking centers and ATMS, including 55,000+ surcharge-free ATMs through the Allpoint® network. When you enroll through the INTRUST Bank app, you also have access to online banking, available at intrustbank.com. If you have questions about the app or need assistance, contact Customer Service at 800-895-2265 and we’ll be happy to help. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Member FDIC

Screenshots

Surency Flex4 screens
INTRUST Bank4 screens

Verdict

The call

The clearest difference is rating: INTRUST Bank at 4.8 against Surency Flex's 4.3. INTRUST Bank also leads on update cadence (monthly vs every 3 months) and ratings volume (8.6K vs 640). On price, review sentiment, 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

INTRUST Bank holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: INTRUST Bank has 8.6K ratings behind it against 640, so its average is the more settled of the two. Written reviews split almost evenly too, at 53% and 54% positive.

UpkeepUpdate frequency

Surency Flex ships an update every 3 months, INTRUST Bank monthly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 7 level
Surency Flex versus INTRUST Bank: the parameters behind the verdict, then further details
ParameterSurency FlexINTRUST Bank
PriceFreeFree
Rating4.3 (640 ratings)4.8 (8.6K ratings) — better
Positive reviews53.1% of reviews53.6% of reviews — better
Number of ratings6408.6K — better
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.0 — better18.4
Further details — not scored
Size32 MB196 MB
Age rating17+4+
DeveloperSurency Life and Health Insurance CompanyINTRUST Bank

Customer experience

Surency Flex

All ratings640 ratings
Positive82.0%
Neutral1.9%
Negative16.1%
Written reviews96 reviews
Positive53.1%
Neutral4.2%
Negative42.7%

INTRUST Bank

All ratings8,587 ratings
Positive94.4%
Neutral1.8%
Negative3.8%
Written reviews112 reviews
Positive53.6%
Neutral6.3%
Negative40.2%

User reviews

Surency Flex

From 640 App Store ratings

What we love

  • 👍 User-friendly app interface and navigation
  • 🚀 Easy and fast claim submission process
  • 💳 Convenient mobile receipt scanning feature
  • 📱 Simple balance tracking and account management
  • ⭐ Helpful and responsive customer service team

Room to improve

  • 🐛 Frequent session timeouts requiring re-login
  • ⏱️ Slow claim processing and approval times
  • 📋 Excessive documentation requirements for claims
  • 🚫 Strict and inconsistent claim denial policies
  • 💰 Funds held up pending receipt verification

INTRUST Bank

From 8.6K App Store ratings

What we love

  • 💻 Easy to use
  • 🚀 Convenient features
  • 🔒 Secure banking
  • 🤝 Good customer service

Room to improve

  • 🐛 Frequent app crashes
  • 🔍 Confusing interface
  • 📱 Mobile deposit issues
  • ⚠️ Unreliable account balances

Bugs and requests

Surency Flex

Reported bugs

9 issues
  • App logs out immediately when switching between apps
  • Blank screens with no content displaying
  • Login credentials not accepted despite correct entry
  • Receipt upload encounters undisclosed errors
  • Password reset website malfunction
Show 4 more
  • Automatic password resets and multiple authentication requests
  • Barcode scanner fails to recognize all barcodes
  • Camera upload only accepts live photos, not saved images
  • Incorrect fund deduction from wrong plan year

Requested features

9 requests
  • Auto-save functionality for receipt uploads
  • Ability to save receipts in app for later submission
  • Manual scan button for barcode scanner
  • Better claim history and tracking visibility
  • Faster deposit processing times
Show 4 more
  • Simplified documentation requirements
  • Clearer denial explanations and reasons
  • 24/7 customer support availability
  • Improved password reset functionality

INTRUST Bank

Reported bugs

4 issues
  • Login and sign-in problems
  • Delayed transaction notifications
  • Inconsistent mobile deposit functionality
  • Sync issues between app and online banking

Requested features

4 requests
  • Improved mobile deposit process
  • Clearer transaction details
  • Customizable app layout
  • 24/7 in-app support

In-app purchases

None

Surency Flex

No in-app purchases

None

INTRUST Bank

No in-app purchases

Questions

Is Surency Flex free?
Surency Flex is free to download, with no in-app purchases.
Is INTRUST Bank free?
INTRUST Bank is free to download, with no in-app purchases.
Which has better reviews, Surency Flex or INTRUST Bank?
INTRUST Bank is rated higher. Surency Flex averages 4.3 out of 5 from 640 ratings, while INTRUST Bank averages 4.8 from 8.6K ratings.
Do Surency Flex or INTRUST Bank have ads?
Neither Surency Flex nor INTRUST Bank shows ads.
Which is updated more often, Surency Flex or INTRUST Bank?
Surency Flex ships an update every 3 months, and INTRUST Bank monthly. Most recently, Surency Flex was updated on October 24, 2026 and INTRUST Bank on October 25, 2026.

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