# Essence Flex Spend vs Midwest Members CU

The clearest difference is rating: Midwest Members CU at 3.4 against Essence Flex Spend's 1.9. Midwest Members CU also leads on update cadence (every 2 months vs every 4 months) and iOS requirement (15.0 vs 17.0). On price, review sentiment, ratings volume 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.

Midwest Members CU holds the better App Store score, 3.4 against 1.9. Both are backed by a comparable volume of ratings — 24 and 10 respectively. Written reviews complicate that: 8% of Essence Flex Spend's written reviews are positive against 0% of Midwest Members CU's, so the app with the better star average is not the one people write more warmly about.

Essence Flex Spend ships an update every 4 months, Midwest Members CU every 2 months. The most recent releases landed on November 4, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Essence Flex Spend | Midwest Members CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.9 (24 ratings)](https://appshunter.io/ios/app/essence-flex-spend/id6479701344/reviews) | **[3.4 (10 ratings)](https://appshunter.io/ios/app/midwest-members-cu/id6740525593/reviews)** |
| Number of ratings | **24** | 10 |
| Positive reviews | **7.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 29 MB | 27 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Essence Healthcare, Inc](https://appshunter.io/developer/1736959493) | [Midwest Members Credit Union](https://appshunter.io/developer/623358880) |

## What reviewers say

### Essence Flex Spend

[App page](https://appshunter.io/ios/app/essence-flex-spend/id6479701344)

Manage your Flex Card on the go with this secure mobile app. Check balances, scan product barcodes for eligibility, and view account summaries. Retrieve forgotten credentials and report lost or stolen cards.

**Highlights:** Secure card management, Check available balances, Scan product barcodes for eligibility, View account summaries, Retrieve forgotten credentials, Report lost/stolen cards, Set notification preferences

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

**In-app purchases:** none


### Midwest Members CU

[App page](https://appshunter.io/ios/app/midwest-members-cu/id6740525593)

Manage your finances and conduct transactions securely on the go. Access account balances, view history, transfer funds, and deposit checks anytime, anywhere. Features biometric login for added convenience.

**Highlights:** Check account balances, View transaction history, Transfer funds, Biometric access, Mobile deposit

**In-app purchases:** none


## Frequently asked questions

### Is Essence Flex Spend free?

Essence Flex Spend is free to download, with no in-app purchases.

### Is Midwest Members CU free?

Midwest Members CU is free to download, with no in-app purchases.

### Which has better reviews, Essence Flex Spend or Midwest Members CU?

Midwest Members CU is rated higher. Essence Flex Spend averages 1.9 out of 5 from 24 ratings, while Midwest Members CU averages 3.4 from 10 ratings.

### Do Essence Flex Spend or Midwest Members CU have ads?

Neither Essence Flex Spend nor Midwest Members CU shows ads.

### Which is updated more often, Essence Flex Spend or Midwest Members CU?

Essence Flex Spend ships an update every 4 months, and Midwest Members CU every 2 months. Most recently, Essence Flex Spend was updated on November 4, 2026 and Midwest Members CU on October 30, 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.*