PECU Mobile vs UHCU Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PECU Mobile
Manage your finances conveniently and securely from your mobile device. This app allows you to pay bills, check balances, transfer funds, and deposit checks with ease. Access essential banking services anytime, anywhere, with no registration required for existing online users.
- Bill payment
- Balance checking
- Money transfers
- Mobile check deposit
- ATM and branch locator
- Secure encryption
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Thank you for being a PECU member! Your free new mobile banking app is ready to download. The PECU app helps you manage your money any time, any place, anywhere. Conveniently and quickly pay bills, check balances, transfer money, deposit checks, find ATMs, and locate PECU branch centers –all from the palm of your hand. PECU puts the “free” in financial freedom! •Safe and secure. Get peace of mind with our app’s state-of-the-art encryption. •Handy PECU branch and ATM locator. •Easy-to-find account and transaction information. •No registration required. Available to all PECU online account access users. •Free e-Bill Pay for making payments. •Snap, click & deposit. Deposit checks using your camera.
UHCU Mobile
Access your accounts securely and conveniently from your mobile device. Manage balances, transfer funds, deposit checks, pay bills, and locate branches or ATMs. Enjoy the same security as online banking for all your financial transactions.
- Check account balances
- Transfer funds
- Mobile check deposit
- Bill pay
- Loan payments
- View transaction history
- Find branches/ATMs
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The UHCU Mobile App gives you fast and secure account access from your mobile device. • Check account balances • Transfer funds between accounts • Deposit checks anytime, anywhere through Mobile Check Deposit* • Pay your bills** • Make a loan payment • View transaction history • Find branches/ATMs • Contact us As always, these services are designed to protect your privacy and personal information with the same level of security as Online Banking. There is no charge to download and use the UHCU Mobile App, but standard messaging and data rates from your wireless provider may apply. For United Heritage Credit Union members. Learn about membership and join online at uhcu.org Federally insured by the NCUA. *To qualify for this Service, you must meet eligibility criteria as dictated by United Heritage, including having all accounts in good standing. Eligibility of this Service is determined at the full and complete discretion of United Heritage and may be withdrawn at any time. **Members can schedule payments or review activity for all payees via the UHCU Mobile App. To add or edit payees, Web BillPay must be accessed within Online Banking from a desktop computer.
Screenshots
Verdict
The clearest difference is review sentiment: PECU Mobile at 83% against UHCU Mobile's 18%. PECU Mobile also leads on rating (4.6 vs 2.9) and ratings volume (417 vs 120). On price, update cadence, ads and in-app purchases 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.
PECU Mobile holds the better App Store score, 4.6 against 2.9. Both are backed by a comparable volume of ratings — 417 and 120 respectively. Written reviews point the same way: 83% of PECU Mobile's written reviews are positive against 18% of UHCU Mobile's.
PECU Mobile ships an update every 10 months, UHCU Mobile every 6 months. The most recent releases landed on October 26, 2026 and October 22, 2026 respectively.
| Parameter | PECU Mobile | UHCU Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (417 ratings) — better | 2.9 (120 ratings) |
| Positive reviews | 82.9% of reviews — better | 18.0% of reviews |
| Number of ratings | 417 — better | 120 |
| Update frequency | Every 10 months | Every 6 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, Apple Watch — better |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 30 MB | 57 MB |
| Age rating | 4+ | 4+ |
| Developer | Public Employees Credit Union | United Heritage Credit Union |
Customer experience
PECU Mobile
UHCU Mobile
User reviews
PECU Mobile
From 417 App Store ratingsWhat we love
- 🚀 Easy to use
- 🔒 Good security features
- 👍 Convenient and accessible
- 🚀 Fast and efficient
- 👍 User-friendly interface
Room to improve
- 🐛 Occasional issues with mobile deposits
- 🔍 Limited functionality compared to other banking apps
- 🔍 Confusing bill payment process
- 🔍 Lack of password saving option
UHCU Mobile
From 120 App Store ratingsWhat we love
- 👍 Easy to use
- 👍 Intuitive interface
- 👍 Serves banking needs
- 👍 Great customer service
- 👍 Functional and quick
Room to improve
- 🐛 Unreliable performance
- 🐛 Slow loading times
- 🐛 Outdated interface
- 🐛 Frequent maintenance downtime
- 🐛 Login issues
Bugs and requests
PECU Mobile
Reported bugs
2 issues- Login screen issues
- Inconsistent performance on older devices
Requested features
4 requests- Tap to pay cards
- Apple Wallet integration
- Improved mobile deposit process
- More advanced features and customization options
UHCU Mobile
Reported bugs
25 issues- Card management not working
- Login authentication failures
- App refuses to launch Face ID consistently
- Password change issues causing alerts on other devices
- Server error preventing login
Show 20 moreShow fewer
- Interface blown up after update
- Blank dropdowns for account transfers
- Back button signs out completely
- Registering device not working (requires verification code every time)
- Mobile deposit not working
- Camera not opening for check deposit
- Payees not deleting from mobile app
- App crashes during transactions
- Unable to update personal info
- App dims but doesn't log in
- App shuts down on login attempt
- App freezes on login screen
- App requires download of new iOS app but then can't log in
- App not working well with Apple 8
- Unable to pay bills (submit/review button disappeared)
- Transfers within account not updating
- Combining transfers not helpful
- Unable to access account
- Unable to get to deposit screen
- Web bill pay payees and history gone
Requested features
10 requests- Card management function (block/unblock)
- Zelle integration
- Member to member transfers
- Notifications for transactions
- Face ID support
Show 5 moreShow fewer
- Touch ID support
- Mobile deposit feature
- Web bill pay access
- Update for newer iPhones
- Dark mode option
In-app purchases
PECU Mobile
No in-app purchases
UHCU Mobile
No in-app purchases
Questions
Is PECU Mobile free?
Is UHCU Mobile free?
Which has better reviews, PECU Mobile or UHCU Mobile?
Do PECU Mobile or UHCU Mobile have ads?
Which is updated more often, PECU Mobile or UHCU Mobile?
Other comparisons
