# eCloud4 vs NJ Gateway FCU

The clearest difference is ads: eCloud4 at none against NJ Gateway FCU's shown. eCloud4 also leads on update cadence (every 2 months vs every 6 months) and monetization model (free vs ad-supported). On price, in-app purchases and device support there is nothing between them.

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

eCloud4 ships an update every 2 months, NJ Gateway FCU every 6 months. Both last shipped on November 3, 2026.

## The numbers

| Metric | eCloud4 | NJ Gateway FCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.8 (36 ratings)](https://appshunter.io/ios/app/nj-gateway-fcu/id6470476639/reviews)** |
| Number of ratings | — | **36** |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 2 months** | Every 6 months |
| Monetization | **Free** | Ad-supported |
| Size | 96 MB | 111 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [eCloud4 Corporation](https://appshunter.io/developer/1455406601) | [NJ Gateway Federal Credit Union](https://appshunter.io/developer/1713740630) |

## What reviewers say

### eCloud4

[App page](https://appshunter.io/ios/app/ecloud4/id6447580403)

Easily manage your finances with quick QR code payments at supported merchants. Send and receive money to contacts using just an email address, and simplify bill splitting. This app offers a streamlined approach to everyday financial transactions.

**Highlights:** QR code payments, Send/receive money via email, Bill splitting, Fast and easy transactions, Merchant network payments

**Features:** macOS Compatibility

**In-app purchases:** none


### NJ Gateway FCU

[App page](https://appshunter.io/ios/app/nj-gateway-fcu/id6470476639)

Manage your finances on the go with secure and fast access to your accounts. Check balances, review transactions, transfer funds, and pay bills conveniently from your mobile device.

**Highlights:** Check account balances, Review recent transactions, Transfer funds between accounts, View and pay bills, Password reset functionality

**In-app purchases:** none


## Frequently asked questions

### Is eCloud4 free?

eCloud4 is free to download, with no in-app purchases.

### Is NJ Gateway FCU free?

NJ Gateway FCU is free to download, with no in-app purchases.

### Do eCloud4 or NJ Gateway FCU have ads?

NJ Gateway FCU shows ads; eCloud4 does not.

### Which is updated more often, eCloud4 or NJ Gateway FCU?

eCloud4 ships an update every 2 months, and NJ Gateway FCU every 6 months. Most recently, eCloud4 was updated on November 3, 2026 and NJ Gateway FCU on November 3, 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.*