Frost Bank vs CUTXMOBILE
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
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.
- 24/7 balance checks
- Mobile check deposit
- Funds transfer management
- Transaction history viewing
- Bill payment
- Account alerts
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
Frost Bank ships an update every 2 weeks, CUTXMOBILE monthly. Both last shipped on November 13, 2026.
| Parameter | Frost Bank | CUTXMOBILE |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (77K ratings) — better | 4.8 (11K ratings) |
| Positive reviews | 73.6% of reviews — better | 50.0% of reviews |
| Number of ratings | 77K — better | 11K |
| Update frequency | Every 2 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod, Apple Watch — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 18.4 |
| Further details — not scored | ||
| Size | 278 MB | 198 MB |
| Age rating | 4+ | 4+ |
| Developer | Frost Bank | Credit Union of Texas |
Customer experience
Frost Bank
CUTXMOBILE
User reviews
Frost Bank
From 77K App Store ratingsWhat 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 ratingsWhat 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
Frost Bank
No in-app purchases
CUTXMOBILE
No in-app purchases
Questions
Is Frost Bank free?
Is CUTXMOBILE free?
Which has better reviews, Frost Bank or CUTXMOBILE?
Do Frost Bank or CUTXMOBILE have ads?
Which is updated more often, Frost Bank or CUTXMOBILE?
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