Comparison

Valley myhsaAccess vs 75 Hard

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

Head to head
About

Valley myhsaAccess

Easily manage your health benefit accounts, including HSA, HRA, and FSA, by checking balances and details in real-time. The secure app offers intuitive navigation for all your important account information on the go, simplifying your healthcare finances.

Highlights
  • Check account balances 24/7
  • View account summaries and claims
  • File claims for medical FSA and HRA
  • Submit receipts via photo upload
  • Manage HSA transactions
  • Pay bills and add payees
  • Report lost or stolen debit cards
Features
Read full description

Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply login to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your medical FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Using the Dashboard, enter medical expense information and supporting documentation • Retrieve your forgotten username/password • Report a debit card as lost or stolen Powered by WEX Health®

About

75 Hard

This program helps you build mental toughness and achieve your goals over 75 days. It focuses on developing discipline, grit, and self-belief to overcome challenges and win the war within yourself. Track progress, set reminders, and save notes to support your journey.

Highlights
  • Track daily progress
  • Set custom reminders
  • Take and review progress pics
  • Share progress
  • Save personal notes
  • View past progress
  • Continue to Year of the Live Hard program
Features
Read full description

|| Requires Subscription || 75 HARD is how you win the war with yourself. Are you stuck in life? You feel like no matter what you do, your career, fitness, and relationships just aren’t where you thought they would be? Feel like you are not reaching your full potential? This program is for you. Maybe you’ve tried the fad diets, read the latest trendy self help book, or forked over your hard-earned cash for seminars and courses that promised to teach you the magical secret to success. Yet even after all this, you still fail to make any real progress. Why? Here’s the real secret. YOU are the key. If you haven’t developed the traits of mental toughness needed for success in any area of your life, all these other things will get you nowhere. What are these traits? Confidence. Grit. Fortitude. Self Belief. Self Worth Discipline. Endurance. The unbreakable will to WIN. Over the course of 75 days, this program will start you down the path to becoming a person who is capable of achieving your goals by developing these winning character traits. Is it complicated? No. Is it easy? Definitely not. In fact, it’s probably the hardest thing you’ve ever done. Will it change your life forever? Without a doubt. Are you ready to win the war within yourself? This program requires Zero Compromises. Zero Substitutions. With the 75 Hard app, you can: - Track your daily progress - Set custom reminders for your daily tasks - Take and review your daily progress pics - Share your progress to your Instagram Story or any way you like - Save personal notes on every day - See all your progress from every attempt - Continue past 75 Hard to complete the full year Live Hard program Already started the 75 Hard Program? No problem! We’ve made it easy for you to pick up at your current progress point. We’re working to continuously update the app with new features and updates to provide the best experience for you as you make progress. View terms and conditions: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Valley myhsaAccess4 screens
75 Hard4 screens

Verdict

The call

The clearest difference is review sentiment: 75 Hard at 48% against Valley myhsaAccess's 0%. 75 Hard also leads on rating (4.5 vs 1.0) and update cadence (every 10 days vs every 4 months). Valley myhsaAccess's advantage is in-app purchases (none vs 2). On price, 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. 75 Hard sells 2 in-app purchases, starting at $4.99 per month. Valley myhsaAccess asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

75 Hard holds the better App Store score, 4.5 against 1.0. That said, the two scores are not equally well evidenced: 75 Hard has 6.4K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 0% of Valley myhsaAccess's written reviews are positive against 48% of 75 Hard's.

UpkeepUpdate frequency

Valley myhsaAccess ships an update every 4 months, 75 Hard every 10 days. The most recent releases landed on October 19, 2026 and October 29, 2026 respectively.

Scorecard7 real differences · 3 level
Valley myhsaAccess versus 75 Hard: the parameters behind the verdict, then further details
ParameterValley myhsaAccess75 Hard
PriceFreeFree
Rating1.0 (2 ratings)4.5 (6.4K ratings) — better
Positive reviews0.0% of reviews47.8% of reviews — better
Number of ratings26.4K — better
Update frequencyEvery 4 monthsEvery 10 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterSubscription
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.015.6 — better
Further details — not scored
Size29 MB74 MB
Age rating17+12+
DeveloperValley National Bank Mobile44SEVEN MEDIA, LLC

Customer experience

Valley myhsaAccess

All ratings2 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

75 Hard

All ratings6,406 ratings
Positive88.4%
Neutral2.0%
Negative9.6%
Written reviews460 reviews
Positive47.8%
Neutral3.7%
Negative48.5%

Bugs and requests

Valley myhsaAccess

Not enough reviews yet to summarise bugs or requests.

75 Hard

Reported bugs

4 issues
  • Frequent loading issues
  • App crashing and losing progress
  • Inconsistent task tracking
  • Inability to view past progress photos

Requested features

5 requests
  • Water intake tracking
  • Ability to add more photos per day
  • Option to customize task lists
  • Syncing with other health apps
  • Progress visualization tools

In-app purchases

None

Valley myhsaAccess

No in-app purchases

2 purchases

75 Hard

Subscriptions2
  • Monthly Access3 Days trial$4.991 Month
  • Full Year Membership$39.991 Year

Questions

Is Valley myhsaAccess free?
Valley myhsaAccess is free to download, with no in-app purchases.
Is 75 Hard free?
75 Hard is free to download, with in-app purchases available.
Which has better reviews, Valley myhsaAccess or 75 Hard?
75 Hard is rated higher. Valley myhsaAccess averages 1.0 out of 5 from 2 ratings, while 75 Hard averages 4.5 from 6.4K ratings.
Do Valley myhsaAccess or 75 Hard have ads?
Neither Valley myhsaAccess nor 75 Hard shows ads.
Which is updated more often, Valley myhsaAccess or 75 Hard?
Valley myhsaAccess ships an update every 4 months, and 75 Hard every 10 days. Most recently, Valley myhsaAccess was updated on October 19, 2026 and 75 Hard on October 29, 2026.

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