Comparison

TCTFCU Cards vs Substitute Teacher Pay Tracker

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

Head to head
About

TCTFCU Cards

Manage your credit union payment cards with this app. Features include card registration, activation, deactivation, and adding to digital wallets. Set spending limits, transaction types, and receive usage alerts.

Highlights
  • Card registration and activation
  • Add card to digital wallets
  • Set card usage controls
  • Configure transaction alerts
  • View transaction history
  • Report lost or stolen cards
  • Review spending by merchant
Features
Read full description

TCTFCU Cards is intended to allow TCT Federal Credit Union members to initiate certain payment card related activities for enrolled TCT Federal Credit Union cards. Those activities may include the ability to: Register the card Activate and deactivate the card Add the card to a device wallet (e.g., Apple Pay or Google Pay) Set control preferences for card usage including location, transaction and merchant types, spend limits, and card on/off (Controls) Set alert preferences for card usage including location, transaction and merchant types, spend limits, and declined purchases (Alerts) View transaction history including cleansed and enriched merchant information (e.g., merchant name, address and contact information) Report card as lost or stolen Review spend by merchant type and/or by month View a list of merchants storing card information for recurring or card-on-file payments

About

Substitute Teacher Pay Tracker

Track your substitute teaching pay, mileage, and notes for each school. See what you're owed, compare schools, and export your records for tax time. Designed for privacy with no ads or cloud storage.

Highlights
  • Track outstanding and received pay
  • Log mileage and parking expenses
  • Rate and compare schools
  • Export data to CSV
  • Set pay due date reminders
  • Add private classroom notes
Features
Read full description

You taught the day. Did the pay ever arrive? Substitute teachers work across many schools and districts, get paid weeks later, and see one lump sum on the pay statement. This app keeps the record your district does not hand you: every day you worked, what you expected, what actually arrived, and what is still owed. KNOW WHAT EVERY SCHOOL STILL OWES YOU • Each day carries a clear status: outstanding, due today, overdue, or received. • Overdue pay is called out on your log, so nothing slips past a pay period. • Mark a day received, enter the actual gross amount from your pay statement, and see the difference from what you expected. • Settle a whole pay period at once: select the days on one statement and mark them received together. • Get a reminder on the day your pay is due. YOUR WHOLE YEAR, READY WHEN YOU NEED IT • Month and year totals: days worked, expected gross, received gross, outstanding pay, mileage, and parking. • Pick any date range — a school year, a semester, a pay period. • Export spreadsheet-ready CSV files: a mileage organizer for tax time, your full work-day records, and a summary of every school. • Working after retirement under an earnings limit? Your gross for the year is always one tap away. SEE WHICH SCHOOLS ARE WORTH GOING BACK TO • Every school gets its own summary: days, pay, mileage, parking, your rating, and your notes. • Compare two schools side by side. • Set a private return preference — Accept Again, Maybe, or Avoid — and have it in front of you the next time that school calls. LOG A DAY IN SECONDS • School, grade, teacher, and assignment type: full day, half day, or hourly. • The gross pay you expect and the date you expect it. • Mileage as total miles or as odometer start and end, plus parking. • School presets fill in your usual rate, miles, and parking; copy an earlier day with one tap. • Private classroom notes for routines, materials, and who to ask for help. PRIVATE BY DESIGN • Everything stays on your device. No account, no cloud, no ads, no analytics, and location is never requested. • The app keeps factual records only. It does not calculate deductions, withholding, net pay, or worker classification, and it is not tax or payroll advice. • Classroom notes are for context only — never enter student names or protected student information. Made for substitute teachers, guest teachers, retired teachers taking occasional assignments, and paraeducators who keep their own records. Available in English and Spanish. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

TCTFCU Cards4 screens
Substitute Teacher Pay Tracker4 screens

Verdict

The call

The clearest difference is rating: Substitute Teacher Pay Tracker at 5.0 against TCTFCU Cards's 2.5. Substitute Teacher Pay Tracker also leads on update cadence (every 3 weeks vs every 10 months). TCTFCU Cards's advantage is in-app purchases (none vs 3) and iOS requirement (14.0 vs 17.0). On price, ratings volume, ads and device support 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. Substitute Teacher Pay Tracker sells 3 in-app purchases, starting at $1.99 per month. TCTFCU Cards asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Substitute Teacher Pay Tracker holds the better App Store score, 5.0 against 2.5. Both are backed by a comparable volume of ratings — 2 and 2 respectively.

UpkeepUpdate frequency

TCTFCU Cards ships an update every 10 months, Substitute Teacher Pay Tracker every 3 weeks. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard5 real differences · 4 level
TCTFCU Cards versus Substitute Teacher Pay Tracker: the parameters behind the verdict, then further details
ParameterTCTFCU CardsSubstitute Teacher Pay Tracker
PriceFreeFree
Rating2.5 (2 ratings)5.0 (2 ratings) — better
Number of ratings22
Update frequencyEvery 10 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad
Requires iOS14.0 — better17.0
Further details — not scored
Size112 MB2 MB
Age rating4+4+
DeveloperTCT Federal Credit UnionNeobile LLC

Customer experience

TCTFCU Cards

All ratings2 ratings
Positive0.0%
Neutral50.0%
Negative50.0%

Substitute Teacher Pay Tracker

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

TCTFCU Cards

No in-app purchases

3 purchases

Substitute Teacher Pay Tracker

Subscriptions2
  • Monthly$1.991 Month
  • Annual$6.991 Year
One-time1
  • Lifetime Pro$9.99

Questions

Is TCTFCU Cards free?
TCTFCU Cards is free to download, with no in-app purchases.
Is Substitute Teacher Pay Tracker free?
Substitute Teacher Pay Tracker is free to download, with in-app purchases available.
Which has better reviews, TCTFCU Cards or Substitute Teacher Pay Tracker?
Substitute Teacher Pay Tracker is rated higher. TCTFCU Cards averages 2.5 out of 5 from 2 ratings, while Substitute Teacher Pay Tracker averages 5.0 from 2 ratings.
Do TCTFCU Cards or Substitute Teacher Pay Tracker have ads?
Neither TCTFCU Cards nor Substitute Teacher Pay Tracker shows ads.
Which is updated more often, TCTFCU Cards or Substitute Teacher Pay Tracker?
TCTFCU Cards ships an update every 10 months, and Substitute Teacher Pay Tracker every 3 weeks. Most recently, TCTFCU Cards was updated on November 3, 2026 and Substitute Teacher Pay Tracker on October 31, 2026.

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