Comparison

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.

Head to head
About

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.

Highlights
  • Bill Pay
  • Mobile Check Deposit
  • Account Balance & History
  • Money Transfers
  • Loan Payments
  • Branch & ATM Locator
  • Neurodiverse Accessibility Features
Features
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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

Point West Mobile Banking4 screens
OnPoint Mobile4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
Point West Mobile Banking versus OnPoint Mobile: the parameters behind the verdict, then further details
ParameterPoint West Mobile BankingOnPoint Mobile
PriceFreeFree
Rating4.0 (95 ratings)4.6 (25K ratings) — better
Positive reviews30.4% of reviews88.6% of reviews — better
Number of ratings9525K — better
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad, Apple Watch
Requires iOS15.6 — better16.0
Further details — not scored
Size68 MB133 MB
Age rating4+4+
DeveloperPoint West Credit UnionOnPoint Community Credit Union

Customer experience

Point West Mobile Banking

All ratings94 ratings
Positive76.6%
Neutral2.1%
Negative21.3%
Written reviews23 reviews
Positive30.4%
Neutral8.7%
Negative60.9%

OnPoint Mobile

All ratings23,563 ratings
Positive91.6%
Neutral3.0%
Negative5.5%
Written reviews1,910 reviews
Positive88.6%
Neutral3.7%
Negative7.7%

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

None

Point West Mobile Banking

No in-app purchases

None

OnPoint Mobile

No in-app purchases

Questions

Is Point West Mobile Banking free?
Point West Mobile Banking is free to download, with no in-app purchases.
Is OnPoint Mobile free?
OnPoint Mobile is free to download, with no in-app purchases.
Which has better reviews, Point West Mobile Banking or OnPoint Mobile?
OnPoint Mobile is rated higher. Point West Mobile Banking averages 4.0 out of 5 from 95 ratings, while OnPoint Mobile averages 4.6 from 25K ratings.
Do Point West Mobile Banking or OnPoint Mobile have ads?
Neither Point West Mobile Banking nor OnPoint Mobile shows ads.
Which is updated more often, Point West Mobile Banking or OnPoint Mobile?
Point West Mobile Banking ships an update monthly, and OnPoint Mobile every 2 months. Most recently, Point West Mobile Banking was updated on October 26, 2026 and OnPoint Mobile on November 2, 2026.

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