# Trax Credit Union vs Settle

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.

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.

## The numbers

| Metric | Trax Credit Union | Settle |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.9 (47 ratings)](https://appshunter.io/ios/app/trax-credit-union/id655770951/reviews)** | — |
| Number of ratings | **47** | — |
| Positive reviews | 25.0% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 2 months** | Every 4 months |
| Monetization | Free | — |
| Size | 34 MB | 5 MB |
| Requires iOS | **16.0** | 26.1 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Railroad And industrial Federal Credit Union Inc.](https://appshunter.io/developer/1360375095) | [Logan Whitcomb](https://appshunter.io/developer/1708323592) |

## What reviewers say

### Trax Credit Union

[App page](https://appshunter.io/ios/app/trax-credit-union/id655770951)

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.

**Highlights:** Check account balances, View transaction history, View check images, Transfer funds, Find branch/ATM locations, Deposit checks

**Features:** macOS Compatibility

**In-app purchases:** none


### Settle

[App page](https://appshunter.io/ios/app/settle-tip-calculator/id6776000029)

**Features:** macOS Compatibility, Family Sharing, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Trax Credit Union free?

Trax Credit Union is free to download, with no in-app purchases.

### Is Settle free?

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

### Do Trax Credit Union or Settle have ads?

Settle shows ads; Trax Credit Union does not.

### Which is updated more often, Trax Credit Union or Settle?

Trax Credit Union ships an update every 2 months, and Settle every 4 months. Most recently, Trax Credit Union was updated on November 1, 2026 and Settle on October 31, 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.*