Trax Credit Union vs Settle
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Trax Credit Union
Manage your finances on the go with this mobile banking application. Check balances, view transaction history, transfer funds, and deposit checks remotely. Locate branches and ATMs easily.
- Check account balances
- View transaction history
- View check images
- Transfer funds
- Find branch/ATM locations
- Deposit checks
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Trax Credit Union mobile banking: With our new app you can check your account balances, history and even view check images! You can also transfer funds, find a branch/atm location, and deposit checks -- all from home!
Settle
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Settle makes splitting the bill and tracking IOUs effortless. Tip Calculator Calculate the tip in seconds. Choose 15%, 18%, 20%, 25%, or enter a custom percentage. Split between any number of people instantly. Enable smart rounding to round each share up to the nearest dollar — no awkward change. IOU Tracker Log who owes who, add a description, and mark debts as settled when you're done. Settle automatically calculates the running net balance per person, so if you have multiple IOUs with the same person it shows what's actually owed. Syncs across your devices with iCloud. No account. No login. Just open it and go.
Screenshots
Verdict
The clearest difference is ads: Trax Credit Union at none against Settle's shown. Trax Credit Union also leads on update cadence (every 2 months vs every 4 months) and iOS requirement (16.0 vs 26.1). On price, in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Trax Credit Union ships an update every 2 months, Settle every 4 months. The most recent releases landed on November 1, 2026 and October 31, 2026 respectively.
| Parameter | Trax Credit Union | Settle |
|---|---|---|
| Price | Free | Free |
| Rating | 2.9 (47 ratings) — better | — |
| Positive reviews | 25.0% of reviews | — |
| Number of ratings | 47 — better | — |
| Update frequency | Every 2 months — better | Every 4 months |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 16.0 — better | 26.1 |
| Further details — not scored | ||
| Size | 34 MB | 5 MB |
| Age rating | 4+ | 4+ |
| Developer | Railroad And industrial Federal Credit Union Inc. | Logan Whitcomb |
In-app purchases
Trax Credit Union
No in-app purchases
Settle
No in-app purchases
