# PNWFCU vs PickTrace PayCard

The clearest difference is rating: PNWFCU at 4.8 against PickTrace PayCard's 4.3. PNWFCU also leads on ratings volume (1.7K vs 20). PickTrace PayCard's advantage is update cadence (fortnightly vs every 4 months) and review sentiment (100% vs 79%). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

PNWFCU holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: PNWFCU has 1.7K ratings behind it against 20, so its average is the more settled of the two. Written reviews complicate that: 79% of PNWFCU's written reviews are positive against 100% of PickTrace PayCard's, so the app with the better star average is not the one people write more warmly about.

PNWFCU ships an update every 4 months, PickTrace PayCard fortnightly. The most recent releases landed on November 10, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | PNWFCU | PickTrace PayCard |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.7K ratings)](https://appshunter.io/ios/app/pnwfcu/id644348930/reviews)** | [4.3 (20 ratings)](https://appshunter.io/ios/app/picktrace-paycard/id1643013907/reviews) |
| Number of ratings | **1.7K** | 20 |
| Positive reviews | 78.8% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Fortnightly** |
| Monetization | Free | Free |
| Size | 169 MB | 57 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Pacific Northwest Federal Credit Union](https://appshunter.io/developer/644348935) | [PickTrace, Inc.](https://appshunter.io/developer/1571789350) |

## What reviewers say

### PNWFCU

[App page](https://appshunter.io/ios/app/pnwfcu/id644348930)

Manage your finances conveniently from your mobile device. This app allows you to check balances, pay bills, deposit checks, and transfer funds. Locate nearby branches and ATMs, and securely communicate with the credit union.

**Highlights:** Check balances and transaction history, Pay bills and credit cards, Deposit checks, Transfer money between accounts, Find branches and ATMs, Send secure messages

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Pleasant interaction
- 🚀 Great app, very versatile with multiple options
- 🚀 Great to deposit checks, transfer money
- 👍 Convenient, easy to use

**What reviewers complain about**

- 🐛 Outdated app, hard to use for certain features
- 🐛 Issues with check deposit, camera not rotating
- 🔒 Locked out of account, no option to reset password
- 🐛 Inconsistent mobile check deposit functionality

**Reported bugs**

- Black screen when trying to deposit check
- Camera not rotating for check deposit

**Requested features**

- Option to freeze/cancel card when wallet is stolen
- Ability to turn off auto-focus feature for check deposit


### PickTrace PayCard

[App page](https://appshunter.io/ios/app/picktrace-paycard/id1643013907)

Manage your payroll card funds securely. View your balance, track all your purchases and ATM withdrawals, and see when your employer deposits funds. It's a simple way to keep tabs on your money.

**Highlights:** View card balance, Track transaction history, See employer deposits, In-store and online purchases, ATM withdrawal tracking

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is PNWFCU free?

PNWFCU is free to download, with no in-app purchases.

### Is PickTrace PayCard free?

PickTrace PayCard is free to download, with no in-app purchases.

### Which has better reviews, PNWFCU or PickTrace PayCard?

PNWFCU is rated higher. PNWFCU averages 4.8 out of 5 from 1.7K ratings, while PickTrace PayCard averages 4.3 from 20 ratings.

### Do PNWFCU or PickTrace PayCard have ads?

Neither PNWFCU nor PickTrace PayCard shows ads.

### Which is updated more often, PNWFCU or PickTrace PayCard?

PNWFCU ships an update every 4 months, and PickTrace PayCard fortnightly. Most recently, PNWFCU was updated on November 10, 2026 and PickTrace PayCard on November 7, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*