Comparison

Frost Bank vs CUTXMOBILE

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

Head to head
About

Frost Bank

Manage your finances with a user-friendly mobile banking app. Open accounts, send money instantly, and deposit checks remotely. Securely link external accounts and access personal banking support 24/7.

Highlights
  • Open and fund accounts
  • Send money via mobile number or email
  • Mobile check deposit
  • Biometric login (PIN/fingerprint)
  • Link external financial accounts
  • 24/7 personal banking support
  • Apple Watch integration
Features
Read full description

Everything we do is aimed at giving our customers a better banking experience every time they interact with us. And our app is no exception. Open an Account with the App Banking better is easier than ever—simply download the app. It only takes a few minutes to open and fund a checking account. Send Money to Anyone Send money to anyone with just their mobile number or email. Just select them from your contact list. No need to ask for their account information. Deposit Checks Securely deposit checks with a generous daily limit and next business day fund availability when you deposit before 9pm. Quick and Secure Log in with an easy-to-use four digit PIN that is unique to your device or simply use your fingerprint. Plaid Exchange Securely connect your Frost account with over 18,000 financial institutions and 4,500 apps on the Plaid network Manage Account Connections View a list of Plaid-connected financial institutions and apps and if you change your mind about any or all of them – easily cancel their access Link External Accounts Securely link your accounts from other financial institutions to view all of your finances in one place Personal Help 24/7 Talk directly to a Frost banker with the touch of a button. Apple watch Quickly see your balances and transactions on your Apple Watch. Other Features Include: * Send money to anyone, anywhere and make bill payments on the go * Create memos for each transaction * Locate 1,700+ Frost ATMs and 150+ financial centers * View and zoom, save and print cleared check images * See running balances, plus view and search transactions * View upcoming payment and transfer activity Member FDIC

About

CUTXMOBILE

Manage your finances conveniently and securely on the go. View statements, deposit checks, transfer funds, and pay bills with ease. Monitor your accounts, set alerts, and access branch information anytime, anywhere.

Highlights
  • 24/7 balance checks
  • Mobile check deposit
  • Funds transfer management
  • Transaction history viewing
  • Bill payment
  • Account alerts
Features
Read full description

Bank when it is convenient for you anytime, anywhere! It’s fast and free. Bank securely online anytime, anywhere with the Credit Union of Texas mobile banking application. View statements; deposit checks, transfer money, pay bills. Monitor your account; see account summary and details including balances and transaction history, set alerts and more! • Check balances 24/7 • Deposit Checks • Create, approve, cancel or view funds transfers • View transaction history • Access branch hours and location information • Find ways to maximize your membership • And MORE….

Screenshots

Frost Bank4 screens
CUTXMOBILE4 screens

Verdict

The call

Frost Bank and CUTXMOBILE both sit at 4.9 stars, but that hides the real split: 74% of Frost Bank's written reviews are positive against 50% of CUTXMOBILE's. Frost Bank also leads on update cadence (every 2 weeks vs monthly) and ratings volume (77K vs 11K). On price, rating, 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

On the App Store both sit at effectively the same score — 4.9 for Frost Bank against 4.8 for CUTXMOBILE. That said, the two scores are not equally well evidenced: Frost Bank has 77K ratings behind it against 11K, so its average is the more settled of the two. Written reviews are what separate them: 74% of Frost Bank's written reviews are positive against 50% of CUTXMOBILE's.

UpkeepUpdate frequency

Frost Bank ships an update every 2 weeks, CUTXMOBILE monthly. Both last shipped on November 13, 2026.

Scorecard4 real differences · 6 level
Frost Bank versus CUTXMOBILE: the parameters behind the verdict, then further details
ParameterFrost BankCUTXMOBILE
PriceFreeFree
Rating4.9 (77K ratings) — better4.8 (11K ratings)
Positive reviews73.6% of reviews — better50.0% of reviews
Number of ratings77K — better11K
Update frequencyEvery 2 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod, Apple Watch — betteriPhone, iPad
Requires iOS15.0 — better18.4
Further details — not scored
Size278 MB198 MB
Age rating4+4+
DeveloperFrost BankCredit Union of Texas

Customer experience

Frost Bank

All ratings76,751 ratings
Positive98.4%
Neutral0.6%
Negative1.0%
Written reviews527 reviews
Positive73.6%
Neutral6.8%
Negative19.5%

CUTXMOBILE

All ratings10,713 ratings
Positive95.3%
Neutral1.4%
Negative3.3%
Written reviews176 reviews
Positive50.0%
Neutral6.8%
Negative43.2%

User reviews

Frost Bank

From 77K App Store ratings

What we love

  • 👍 Excellent customer service
  • 🚀 Convenient mobile banking
  • 💳 Early paycheck availability
  • 🤝 Personalized banking experience
  • 🏦 Reliable and trustworthy bank

Room to improve

  • 🐛 Inconsistent mobile deposit functionality
  • ⏱️ Slow transaction updates in the app
  • 🔒 Lack of security features (e.g., no password pasting)
  • 🕰️ Frequent app maintenance and downtime

CUTXMOBILE

From 11K App Store ratings

What we love

  • 💳 Easy to deposit checks remotely
  • 🕰️ Time-saving mobile banking
  • 💻 Excellent website and online banking
  • 🤖 Helpful AI chat assistant
  • 🏦 Reliable and consistent credit union

Room to improve

  • 🔒 Issues with card unlocking
  • ⏱️ Slow transaction updates
  • 🐛 Bugs and crashes in the app
  • 🧭 Difficult to navigate and use
  • 🚫 Missing key features like Zelle

Bugs and requests

Frost Bank

Reported bugs

3 issues
  • App crashes after recent update
  • Login issues due to 'slow network' error
  • Inconsistent mobile deposit success rate

Requested features

4 requests
  • Automatic round-up savings feature
  • Budgeting and expense tracking tools
  • Seamless integration with password managers
  • Real-time transaction updates

CUTXMOBILE

Reported bugs

3 issues
  • App not compatible with latest iOS versions
  • Inconsistent app performance and stability
  • Issues with external account transfers

Requested features

4 requests
  • Bring back mobile check deposits
  • Improve Zelle integration and functionality
  • Add ability to rename accounts
  • Provide real-time transaction updates

In-app purchases

None

Frost Bank

No in-app purchases

None

CUTXMOBILE

No in-app purchases

Questions

Is Frost Bank free?
Frost Bank is free to download, with no in-app purchases.
Is CUTXMOBILE free?
CUTXMOBILE is free to download, with no in-app purchases.
Which has better reviews, Frost Bank or CUTXMOBILE?
Frost Bank is rated higher. Frost Bank averages 4.9 out of 5 from 77K ratings, while CUTXMOBILE averages 4.8 from 11K ratings.
Do Frost Bank or CUTXMOBILE have ads?
Neither Frost Bank nor CUTXMOBILE shows ads.
Which is updated more often, Frost Bank or CUTXMOBILE?
Frost Bank ships an update every 2 weeks, and CUTXMOBILE monthly. Most recently, Frost Bank was updated on November 13, 2026 and CUTXMOBILE on November 13, 2026.

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