Comparison

Gesa Digital Banking vs HRAgo

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

Head to head
About

Gesa Digital Banking

Manage your finances conveniently from your mobile device. Transfer funds, deposit checks, pay bills, and apply for financial products like loans and credit cards. Enjoy secure access with biometric options on supported devices.

Highlights
  • Money transfers
  • Check deposits
  • Bill payments
  • Loan applications
  • Credit card applications
  • New account opening
  • Biometric access
Features
Read full description

Your banking on your schedule, all from the palm of your hand! Move or send money between your accounts or to someone else. Deposit your checks, pay your bills, apply for loans and credit cards, open a new account - all from your mobile device. All of this and so much more! Biometric access available on compatible devices. For more about Gesa Digital Banking, visit us on Gesa.com (Standard mobile web fees may apply. Please contact your wireless provider for details.)

About

HRAgo

Manage your Health Reimbursement Arrangement (HRA), Health Savings Account (HSA), Flexible Spending Account (FSA), and RHSP accounts. View balances, transaction history, submit claims, upload documentation, and update personal and investment information.

Highlights
  • View account balances and activity
  • Submit claims and documentation
  • Update contact information
  • Manage investment allocations
  • View account statements
  • Direct deposit reimbursements
Read full description

HRAgo allows you to view your account balance, as well specific account activity and history on your Funded HRA, HSA, FSA, and RHSP accounts. You can also submit claims, submit benefits card supporting documentation*, update your contact information, make investment allocation changes**, and update your account preferences directly from your iPhone or iPad. Prior to using HRAgo, you’ll need to have an existing portal user account. If you haven’t already registered your HRA/HSA/FSA/RHSP account under your plan’s respective website, please do this first. Once registered, you can use the same portal account credentials to access your account via HRAgo. Key Features: • View current account balance and activity for all of your accounts • View participant account statements** • Submit new HRA, FSA, and RHSP claims • View and search HRA, FSA, and RHSP claims history • Submit benefits card supporting documentation* • View and search benefits card transactions* • Manage your investment allocations** • Update your contact information • Sign up to receive reimbursements via direct deposit • Use Face ID or Touch ID to log in * Benefits card features are only available to participants who are enrolled in a plan that offers this option, and have elected to receive a card. ** Feature specific to invested accounts.

Screenshots

Gesa Digital Banking4 screens
HRAgo4 screens

Verdict

The call

The clearest difference is rating: Gesa Digital Banking at 4.7 against HRAgo's 3.6. Gesa Digital Banking also leads on ratings volume (28K vs 275). HRAgo's advantage is update cadence (every 3 months vs every 14 months). On price, review sentiment, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Gesa Digital Banking holds the better App Store score, 4.7 against 3.6. That said, the two scores are not equally well evidenced: Gesa Digital Banking has 28K ratings behind it against 275, so its average is the more settled of the two. Written reviews complicate that: 30% of Gesa Digital Banking's written reviews are positive against 38% of HRAgo's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Gesa Digital Banking ships an update every 14 months, HRAgo every 3 months. The most recent releases landed on October 27, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
Gesa Digital Banking versus HRAgo: the parameters behind the verdict, then further details
ParameterGesa Digital BankingHRAgo
PriceFreeFree
Rating4.7 (28K ratings) — better3.6 (275 ratings)
Positive reviews29.8% of reviews37.7% of reviews — better
Number of ratings28K — better275
Update frequencyEvery 14 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size81 MB44 MB
Age rating4+4+
DeveloperGesa Credit UnionEmpire Innovation Group, LLC

Customer experience

Gesa Digital Banking

All ratings27,789 ratings
Positive93.4%
Neutral2.5%
Negative4.1%
Written reviews178 reviews
Positive29.8%
Neutral6.7%
Negative63.5%

HRAgo

All ratings258 ratings
Positive62.0%
Neutral5.8%
Negative32.2%
Written reviews106 reviews
Positive37.7%
Neutral8.5%
Negative53.8%

User reviews

Gesa Digital Banking

From 28K App Store ratings

What we love

  • 🚀 Straightforward and easy to use
  • 🔒 Secure banking experience
  • 👍 Reliable for basic banking needs
  • 🚀 Convenient mobile check deposit
  • 👍 Friendly and helpful customer service

Room to improve

  • 🐛 Buggy and glitchy app experience
  • 🕰️ Slow and laggy performance
  • 🔒 Frequent 2-step verification required
  • 👎 Difficult to navigate and find features
  • 🔨 Poor integration with credit card and in-branch services

HRAgo

From 275 App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Efficient claims submission
  • 🤝 Great customer service
  • 📱 User-friendly app
  • ✅ Makes HRA easy

Room to improve

  • 🐌 Slow processing
  • ❌ Denied claims frequently
  • 😩 Cumbersome process
  • ❓ Lack of explanation for denials
  • 📚 Difficult to upload documents

Bugs and requests

Gesa Digital Banking

Reported bugs

4 issues
  • Remote check deposit issues and timeouts
  • Inconsistent login and logout behavior
  • Incorrect account and address information
  • Delayed posting of pending transactions

Requested features

5 requests
  • Increase transfer limit from savings to checking
  • Improve navigation and organization of the app
  • Add biometric login options (fingerprint, face ID)
  • Streamline credit card payment process
  • Redesign the app to be more visually appealing

HRAgo

Reported bugs

16 issues
  • Unable to log out
  • Cannot add documentation from photo library
  • App won't attach images for claims
  • Cannot find 'Benefits Card' tab
  • Kicked out before finishing upload
Show 11 more
  • App won't submit a claim
  • Website doesn't allow actions mentioned in mail
  • Forgot password/username not available
  • App won't log out without review
  • Cannot use camera or access photo album
  • Cannot submit claim information
  • Save login/username not working
  • Cannot get past login screen
  • Cannot log in
  • Listed individuals not showing in app
  • One-time rebalance not working

Requested features

9 requests
  • Allow adding multiple documents
  • Provide information on covered expenses
  • Improve navigation for monitoring deposits/credits/payments
  • Add a 'forgot password' option
  • Allow saving login credentials
Show 4 more
  • Show used and remaining account balance when filling claims
  • Allow access to all submitted documentation
  • List of what the card can be used for
  • Option to opt-out of the service

In-app purchases

None

Gesa Digital Banking

No in-app purchases

None

HRAgo

No in-app purchases

Questions

Is Gesa Digital Banking free?
Gesa Digital Banking is free to download, with no in-app purchases.
Is HRAgo free?
HRAgo is free to download, with no in-app purchases.
Which has better reviews, Gesa Digital Banking or HRAgo?
Gesa Digital Banking is rated higher. Gesa Digital Banking averages 4.7 out of 5 from 28K ratings, while HRAgo averages 3.6 from 275 ratings.
Do Gesa Digital Banking or HRAgo have ads?
Neither Gesa Digital Banking nor HRAgo shows ads.
Which is updated more often, Gesa Digital Banking or HRAgo?
Gesa Digital Banking ships an update every 14 months, and HRAgo every 3 months. Most recently, Gesa Digital Banking was updated on October 27, 2026 and HRAgo on October 24, 2026.

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