Comparison

TRUE Community Digital Banking vs DivDat Mobile Payments App

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

Head to head
About

TRUE Community Digital Banking

Manage your finances conveniently from your mobile device. Check balances, review transactions, transfer funds, pay bills, and deposit checks. Securely manage your debit and credit cards, and get support through live chat.

Highlights
  • Account balance and transaction monitoring
  • Fund transfers and scheduling
  • Mobile bill payment
  • Card management (on/off)
  • Check deposit
  • Live chat support
  • Person-to-Person payments with Zelle
Features
Read full description

Access your TRUE Community accounts right here from your mobile device. Check account balances, review transactions, transfer funds, pay bills, deposit checks, turn debit and credit card access on and off, and more. With the TRUE Community Digital Banking App, it’s easy to do your banking, 24/7, no matter where you are. To start, download the free App, register, and start enjoying the convenience of having a branch in the palm of your hand. FEATURES: CARD MANAGEMENT - Protect your cards against unauthorized use - Turn OFF debit or credit cards if misplaced or lost - Turn ON if found and account has not been jeopardized - No new authorizations can be approved if cards have been turned OFF MONITOR YOUR ACCOUNTS - See account balances and transaction history - View processed check images - Financial Wellness - tracking, budgeting, spending TRANSFERS - Transfer money to and from other accounts you have under your member number - Schedule a one-time transfer to another account - Schedule a transfer for a future date - Member-to-Member - Person-to-Person payments with Zelle LIVE CHAT WITH TRUE EMPLOYEES MOBILE BILL PAY - Set up payees and submit payments right from your mobile device PIN LOGIN - Set up a 4 digit PIN for easier access to your app Disclosures Some features are available for eligible members and accounts only. There is no charge from TRUE Community Credit Union to use this app but message and data rates may apply. Some charges include those from your communications service provider.

About

DivDat Mobile Payments App

Pay local bills conveniently from your phone. Add municipalities, utilities, and more to a single platform. Supports credit card, debit card, check, and cash payments via kiosks.

Highlights
  • Add local billers
  • Multiple payment methods
  • Payment reminders
  • Auto-Pay option
  • QR code for kiosk use
  • Text-to-Pay option
  • Historical payment tracking
Features
Read full description

DivDat’s Mobile App brings the same convenience as our Bill Payment Kiosks to users 24/7/365 on-the-go. Users can quickly create a profile, then add local area billers like municipalities, county treasurers’ offices, local utility companies, and other essential billers in the area to one convenient mobile payments platform. Pay with credit card, debit card, personal check, or even cash, in conjunction with DivDat’s Bill Payment Kiosk. Free to download and use, transaction fees and partial payment capabilities are biller-specific. FEATURES INCLUDE: - User profile-driven saved accounts, billers, and payment methods - Standardized, simple-to-use, secure payment workflow - App presents local area DivDat Payment Network billers, so consumers can add repeat billers and accounts to their payment profiles for increased convenience in account look-ups and repeat payments - Accepts payments made by credit cards, PIN-less debit cards, and personal and business checks (which convert to ACH for processing) - User-specific scannable QR Code for use in conjunction with the DivDat Bill Payment Kiosks for quick and easy account look-ups - Configurable payment reminders alert users to bills coming due, as the due date approaches, as payments become past due, or as users geographically approach a DivDat Bill Payment Kiosk (with turn-by-turn directions) - Opt into our DivDat’s convenient and secure Auto-Pay option - Users receive receipts via text message or email, immediately following payment, and can view historical payment detail at any time - NEW FEATURE: Opt-in to Text-to-Pay and enjoy ultimate payments efficiency, on the go Here’s how it works: Add the repeat billers you need to pay. Then, add your associated accounts, like taxes, water bills, electricity bills, and more. Set payment reminders or sign-up for Auto Pay and never miss a scheduled payment again. NEW FEATURE: Now, you can opt-in to Text-to-Pay, and pay bills as they come due in three simple steps! Other features include historical payment look-up, queryable across kiosk and mobile transactions and turn-by-turn directions to the nearest DivDat kiosk, and a bar code scanner to scan and find/return their accounts at the kiosk, for those who chose to pay with cash. No more paper statements, address or account numbers to type in. Available on the App Store for iOS, DivDat’s Mobile App is free to download and easy to use. Download it today!

Screenshots

TRUE Community Digital Banking4 screens
DivDat Mobile Payments App4 screens

Verdict

The call

TRUE Community Digital Banking and DivDat Mobile Payments App both sit at 4.8 stars, but that hides the real split: 52% of TRUE Community Digital Banking's written reviews are positive against 42% of DivDat Mobile Payments App's. DivDat Mobile Payments App's advantage is iOS requirement (11.0 vs 16.0). On price, rating, ratings volume and update cadence 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

On the App Store both sit at effectively the same score — 4.8 for TRUE Community Digital Banking against 4.8 for DivDat Mobile Payments App. Both are backed by a comparable volume of ratings — 2.9K and 5.7K respectively. Written reviews are what separate them: 52% of TRUE Community Digital Banking's written reviews are positive against 42% of DivDat Mobile Payments App's.

UpkeepUpdate frequency

TRUE Community Digital Banking ships an update every 2 months, DivDat Mobile Payments App every 3 months. The most recent releases landed on November 10, 2026 and November 11, 2026 respectively.

Scorecard2 real differences · 8 level
TRUE Community Digital Banking versus DivDat Mobile Payments App: the parameters behind the verdict, then further details
ParameterTRUE Community Digital BankingDivDat Mobile Payments App
PriceFreeFree
Rating4.8 (2.9K ratings) — better4.8 (5.7K ratings)
Positive reviews52.1% of reviews — better42.3% of reviews
Number of ratings2.9K5.7K — better
Update frequencyEvery 2 months — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.011.0 — better
Further details — not scored
Size129 MB23 MB
Age rating4+4+
DeveloperTRUE Community Credit UnionDivDat

Customer experience

TRUE Community Digital Banking

All ratings2,846 ratings
Positive95.4%
Neutral1.9%
Negative2.7%
Written reviews73 reviews
Positive52.1%
Neutral4.1%
Negative43.8%

DivDat Mobile Payments App

All ratings4,134 ratings
Positive96.3%
Neutral1.8%
Negative1.9%
Written reviews71 reviews
Positive42.3%
Neutral4.2%
Negative53.5%

User reviews

TRUE Community Digital Banking

From 2.9K App Store ratings

What we love

  • 💻 User-friendly interface
  • 🔍 Helpful features (credit score, spending tracking)
  • 🤝 Great customer service
  • 🆕 Smooth app updates

Room to improve

  • 🐛 Frequent app crashes and bugs
  • 🔑 Login issues (password reset, account access)
  • ⏱️ Slow performance and lagging
  • 🔄 Inconsistent user experience (app vs. website)

DivDat Mobile Payments App

From 5.7K App Store ratings

What we love

  • 👍 Convenient and easy to use
  • 💡 Streamlined and always accessible
  • 👍 User-friendly design
  • 👍 Saves time
  • 👍 Excellent tech support

Room to improve

  • 🐛 Slow performance and errors
  • 🐛 Payment processing issues
  • 🐛 Unreliable app functionality
  • 💰 Excessive service fees
  • 🐛 Inconsistent account/bill display

Bugs and requests

TRUE Community Digital Banking

Reported bugs

3 issues
  • App unable to recognize user login credentials
  • Blank pop-up boxes and unresponsive features
  • Incorrect account information and transaction details

Requested features

4 requests
  • Ability to reorder account display
  • Improved Zelle integration
  • Pending ACH transaction visibility
  • Consistent biometric login support

DivDat Mobile Payments App

Reported bugs

4 issues
  • App crashes when entering phone number
  • Inaccurate bill amounts displayed
  • Inability to find/link accounts
  • Payments not properly recorded

Requested features

4 requests
  • Ability to delete planned payments
  • Support for all payment methods
  • Improved error messaging
  • Integration with city water/tax portals

In-app purchases

None

TRUE Community Digital Banking

No in-app purchases

None

DivDat Mobile Payments App

No in-app purchases

Questions

Is TRUE Community Digital Banking free?
TRUE Community Digital Banking is free to download, with no in-app purchases.
Is DivDat Mobile Payments App free?
DivDat Mobile Payments App is free to download, with no in-app purchases.
Which has better reviews, TRUE Community Digital Banking or DivDat Mobile Payments App?
TRUE Community Digital Banking is rated higher. TRUE Community Digital Banking averages 4.8 out of 5 from 2.9K ratings, while DivDat Mobile Payments App averages 4.8 from 5.7K ratings.
Do TRUE Community Digital Banking or DivDat Mobile Payments App have ads?
Neither TRUE Community Digital Banking nor DivDat Mobile Payments App shows ads.
Which is updated more often, TRUE Community Digital Banking or DivDat Mobile Payments App?
TRUE Community Digital Banking ships an update every 2 months, and DivDat Mobile Payments App every 3 months. Most recently, TRUE Community Digital Banking was updated on November 10, 2026 and DivDat Mobile Payments App on November 11, 2026.

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