Point West Mobile Banking vs OnPoint Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Point West Mobile Banking
Manage your finances conveniently and securely from your mobile device. This app allows you to pay bills, deposit checks, transfer funds, and access account information anytime, anywhere. It also includes specialized features for neurodiverse users.
- Bill Pay
- Mobile Check Deposit
- Account Balance & History
- Money Transfers
- Loan Payments
- Branch & ATM Locator
- Neurodiverse Accessibility Features
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Mobile banking for every lifestyle with Point West Credit Union mobile banking app. Free*, easy and secure, you can now bank anytime, anywhere using your mobile device. FEATURES: • Pay Bills • Deposit Checks • View Account Balances & History • Access Quick Balance from the sign in page or your Apple Watch • Transfer Money Between Accounts • Make Loan Payments • Locate Branches & ATMs • Contact Your Branch • Left/right-handed modes • Full Neurodiverse features including options for epilepsy, dyslexia, color blindness, and visual sensitivity. SECURITY FEATURES: • Your mobile banking transactions are fully protected with SSL encryption • Mobile banking follows the same security protocols as online banking • Login requires a secure password and two-factor authentication • Automatic timeouts occur after a period of inactivity REQUIREMENTS: • You must be a current Point West Credit Union member • You must have already signed up for access to Online Banking © 2024 Point West Credit Union. All Rights Reserved. *Certain transactional fees that the credit union has in place may apply to certain transactions within the app, but that is not associated with downloading or using the application.
OnPoint Mobile
Manage your finances securely on the go. Check balances, transfer funds, pay bills, and deposit checks remotely. Business members can also manage users and generate ACH payments.
- Secure sign-in with biometrics
- Bill management and payments
- Send money to contacts
- Account fund transfers
- Card management (travel notifications, freeze)
- Mobile check deposit
- Transaction search and eStatements
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One app for all members - Securely and safely check balances, transfer funds, view transactions and more anywhere, anytime. With OnPoint Mobile you can: • Sign in securely with Touch ID and Face ID (on supported devices). • Manage your bills and pay almost anyone, schedule recurring bill payments and receive eBills. • Send money to anyone in the U.S. with a phone number or email address. • Transfer funds between your OnPoint accounts and your accounts at other financial institutions. • Set travel notifications for your OnPoint debit or credit cards. • Freeze your OnPoint debit or credit card (for peace of mind or if lost or misplaced). • Deposit checks without the need to visit a branch or ATM. • View cleared check images and mobile deposit check images. • Customize account nicknames, preferences, and alerts. • Search transactions to quickly and easily find a specific transaction without endless scrolling. • View eStatements. Additionally, business members can: • Add entitled users and set and control their access rights and limits. • Generate ACH payments, such as payroll. (ACH Agreement required prior to using ACH payment services.)
Screenshots
Verdict
The clearest difference is review sentiment: OnPoint Mobile at 89% against Point West Mobile Banking's 30%. OnPoint Mobile also leads on rating (4.6 vs 4.0) and ratings volume (25K vs 95). Point West Mobile Banking's advantage is monetization model (free vs free with in-app purchases). On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
OnPoint Mobile holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: OnPoint Mobile has 25K ratings behind it against 95, so its average is the more settled of the two. Written reviews point the same way: 30% of Point West Mobile Banking's written reviews are positive against 89% of OnPoint Mobile's.
Point West Mobile Banking ships an update monthly, OnPoint Mobile every 2 months. The most recent releases landed on October 26, 2026 and November 2, 2026 respectively.
| Parameter | Point West Mobile Banking | OnPoint Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (95 ratings) | 4.6 (25K ratings) — better |
| Positive reviews | 30.4% of reviews | 88.6% of reviews — better |
| Number of ratings | 95 | 25K — better |
| Update frequency | Monthly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad, Apple Watch |
| Requires iOS | 15.6 — better | 16.0 |
| Further details — not scored | ||
| Size | 68 MB | 133 MB |
| Age rating | 4+ | 4+ |
| Developer | Point West Credit Union | OnPoint Community Credit Union |
Customer experience
Point West Mobile Banking
OnPoint Mobile
Bugs and requests
Point West Mobile Banking
Not enough reviews yet to summarise bugs or requests.
OnPoint Mobile
Reported bugs
4 issues- Mobile app crashes and freezes
- Inconsistent behavior when switching between app and website
- Transactions disappearing from account history
- Unreliable mobile deposit process
Requested features
4 requests- Add option to change default mobile deposit category
- Improve bill pay functionality with better scheduling and tracking
- Allow users to rearrange account order and hide unused accounts
- Implement real-time transaction updates and pending indicators
In-app purchases
Point West Mobile Banking
No in-app purchases
OnPoint Mobile
No in-app purchases
Questions
Is Point West Mobile Banking free?
Is OnPoint Mobile free?
Which has better reviews, Point West Mobile Banking or OnPoint Mobile?
Do Point West Mobile Banking or OnPoint Mobile have ads?
Which is updated more often, Point West Mobile Banking or OnPoint Mobile?
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