# Frontier vs USEFCU

Frontier and USEFCU both sit at 4.8 stars, but that hides the real split: 100% of Frontier's written reviews are positive against 30% of USEFCU's. USEFCU's advantage is monetization model (free vs ad-supported) and ratings volume (684 vs 109). On price, rating, update cadence and ads there is nothing between them.

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 — 4.8 for Frontier against 4.7 for USEFCU. That said, the two scores are not equally well evidenced: USEFCU has 684 ratings behind it against 109, so its average is the more settled of the two. Written reviews are what separate them: 100% of Frontier's written reviews are positive against 30% of USEFCU's.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 19, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | Frontier | USEFCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (109 ratings)](https://appshunter.io/ios/app/frontier-ok-banking/id6447450215/reviews)** | [4.7 (684 ratings)](https://appshunter.io/ios/app/usefcu/id6745406073/reviews) |
| Number of ratings | 109 | **684** |
| Positive reviews | **100.0% of reviews** | 30.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Ad-supported | **Free** |
| Size | 197 MB | 198 MB |
| Requires iOS | 18.4 | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 12+ | 4+ |
| Developer | [Frontier State Bank](https://appshunter.io/developer/938869617) | [US Employees OC Federal Credit Union](https://appshunter.io/developer/551152658) |

## What reviewers say

### Frontier

[App page](https://appshunter.io/ios/app/frontier-ok-banking/id6447450215)

Manage your finances with this secure and fast banking app. It offers tools for setting balance alerts, making payments, transferring funds, depositing checks remotely, and managing your debit card. You can also view statements and find nearby branches or ATMs.

**Highlights:** Balance alerts, Make payments, Transfer funds, Mobile check deposit, Debit card management, View statements, Find branches/ATMs

**Features:** Apple Wallet

**In-app purchases:** none


### USEFCU

[App page](https://appshunter.io/ios/app/usefcu/id6745406073)

Manage your finances conveniently from your smartphone. This app allows you to set up alerts, make payments, transfer funds, deposit checks remotely, and manage your debit card. It also provides access to statements and branch/ATM locations.

**Highlights:** Account balance alerts, Make payments to companies and friends, Transfer funds between accounts, Mobile check deposit, Debit card management, View and save statements, Find branches and ATMs

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Frontier free?

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

### Is USEFCU free?

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

### Which has better reviews, Frontier or USEFCU?

Frontier is rated higher. Frontier averages 4.8 out of 5 from 109 ratings, while USEFCU averages 4.7 from 684 ratings.

### Do Frontier or USEFCU have ads?

Neither Frontier nor USEFCU shows ads.

### Which is updated more often, Frontier or USEFCU?

Frontier ships an update monthly, and USEFCU monthly. Most recently, Frontier was updated on October 19, 2026 and USEFCU on October 16, 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.*