Comparison

UHCU Mobile vs CCUTX

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

Head to head
About

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.

Highlights
  • Check account balances
  • Transfer funds
  • Mobile check deposit
  • Bill pay
  • Loan payments
  • View transaction history
  • Find branches/ATMs
Features
Read full description

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 Eligibility of this Service is determined at the full and complete discretion of United Heritage and may be withdrawn at any time.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.

About

CCUTX

Manage your finances with this app that offers tools for transaction organization, payment processing, and money transfers. It also allows for mobile check deposits, card management, and access to statements and branch locations.

Highlights
  • Organize transactions with tags, notes, and photos
  • Set balance alerts
  • Make payments and transfer money
  • Deposit checks with photos
  • Manage debit cards
  • View monthly statements
  • Find branches and ATMs
Features
Read full description

CCUTX is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with CCUTX: Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Secure your account with a 4-digit passcode or biometric supported devices.

Screenshots

UHCU Mobile4 screens
CCUTX4 screens

Verdict

The call

The clearest difference is review sentiment: CCUTX at 71% against UHCU Mobile's 18%. CCUTX also leads on rating (4.8 vs 2.9) and update cadence (monthly vs every 6 months). UHCU Mobile's advantage is monetization model (free vs ad-supported) and iOS requirement (16.0 vs 18.4). On price, ads, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

CCUTX holds the better App Store score, 4.8 against 2.9. That said, the two scores are not equally well evidenced: CCUTX has 1.5K ratings behind it against 120, so its average is the more settled of the two. Written reviews point the same way: 18% of UHCU Mobile's written reviews are positive against 71% of CCUTX's.

UpkeepUpdate frequency

UHCU Mobile ships an update every 6 months, CCUTX monthly. The most recent releases landed on November 1, 2026 and November 7, 2026 respectively.

Scorecard6 real differences · 4 level
UHCU Mobile versus CCUTX: the parameters behind the verdict, then further details
ParameterUHCU MobileCCUTX
PriceFreeFree
Rating2.9 (120 ratings)4.8 (1.5K ratings) — better
Positive reviews18.0% of reviews71.4% of reviews — better
Number of ratings1201.5K — better
Update frequencyEvery 6 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS16.0 — better18.4
Further details — not scored
Size57 MB178 MB
Age rating4+4+
DeveloperUnited Heritage Credit UnionCapitol CU Mobile Access

Customer experience

UHCU Mobile

All ratings120 ratings
Positive40.8%
Neutral7.5%
Negative51.7%
Written reviews61 reviews
Positive18.0%
Neutral13.1%
Negative68.9%

CCUTX

All ratings1,441 ratings
Positive96.3%
Neutral1.2%
Negative2.5%
Written reviews21 reviews
Positive71.4%
Neutral9.5%
Negative19.0%

User reviews

UHCU Mobile

From 120 App Store ratings

What 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

CCUTX

From 1.5K App Store ratings

What we love

  • 🚀 Easy to use and navigate
  • 👍 Informative dashboard
  • 💡 Ability to message staff
  • 🚀 Great performance
  • 👍 Convenient mobile access

Room to improve

  • 🐛 App features down for days
  • 🤔 Confusing balance calculations
  • 🐛 Inaccurate updates
  • 🤔 Unclear which account is being used

Bugs and requests

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 more
  • 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 more
  • Touch ID support
  • Mobile deposit feature
  • Web bill pay access
  • Update for newer iPhones
  • Dark mode option

CCUTX

Reported bugs

2 issues
  • Frequent app crashes
  • Compatibility issues with older devices

Requested features

2 requests
  • View check images
  • Add notes to transfers

In-app purchases

None

UHCU Mobile

No in-app purchases

None

CCUTX

No in-app purchases

Questions

Is UHCU Mobile free?
UHCU Mobile is free to download, with no in-app purchases.
Is CCUTX free?
CCUTX is free to download, with no in-app purchases.
Which has better reviews, UHCU Mobile or CCUTX?
CCUTX is rated higher. UHCU Mobile averages 2.9 out of 5 from 120 ratings, while CCUTX averages 4.8 from 1.5K ratings.
Do UHCU Mobile or CCUTX have ads?
Neither UHCU Mobile nor CCUTX shows ads.
Which is updated more often, UHCU Mobile or CCUTX?
UHCU Mobile ships an update every 6 months, and CCUTX monthly. Most recently, UHCU Mobile was updated on November 1, 2026 and CCUTX on November 7, 2026.

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