# Valley myhsaAccess vs 75 Hard

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.

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.

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.

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.

## The numbers

| Metric | Valley myhsaAccess | 75 Hard |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (2 ratings)](https://appshunter.io/ios/app/valley-myhsaaccess/id681182235/reviews) | **[4.5 (6.4K ratings)](https://appshunter.io/ios/app/75-hard/id1502228408/reviews)** |
| Number of ratings | 2 | **6.4K** |
| Positive reviews | 0.0% of reviews | **47.8% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 10 days** |
| Monetization | **Free** | Subscription |
| Size | 29 MB | 74 MB |
| Requires iOS | 17.0 | **15.6** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 17+ | 12+ |
| Developer | [Valley National Bank Mobile](https://appshunter.io/developer/1360342812) | [44SEVEN MEDIA, LLC](https://appshunter.io/developer/1502228407) |

## What reviewers say

### Valley myhsaAccess

[App page](https://appshunter.io/ios/app/valley-myhsaaccess/id681182235)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### 75 Hard

[App page](https://appshunter.io/ios/app/75-hard/id1502228408)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Access | $4.99 | per month |
| Full Year Membership | $39.99 | per year |

**What reviewers like**

- 💪 Life-changing program
- 📆 Helpful for tracking progress
- 🔔 Useful reminders
- 🗓️ Accountability through app
- 📸 Photo tracking feature

**What reviewers complain about**

- 💰 Expensive for a basic checklist app
- 🐛 Glitchy and unreliable at times
- 🔍 Limited functionality beyond a checklist
- 🔒 Privacy concerns with photo uploads
- 🗣️ Condescending tone when missing tasks

**Reported bugs**

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

**Requested features**

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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*