Comparison

UHCU Mobile vs GEFCU

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 Eligibility of this Service is determined at the full and complete discretion of United Heritage and may be withdrawn at any time.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

GEFCU

Manage your finances on the go with this personal financial advocate. Organize transactions, set up alerts, make payments, transfer funds, and deposit checks easily. Secure your account with passcodes or biometrics.

Highlights
  • Add tags, notes, and photos to transactions
  • Set balance alerts
  • Make loan payments
  • Transfer money between accounts
  • Mobile check deposit
  • Reorder or turn off debit card
  • View and save statements
  • Find branches and ATMs
  • Aggregate financial accounts
  • Secure login with passcode/biometrics
Features
Read full description

GEFCU mobile banking 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 you can do with the GEFCU app: 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 loan payments 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 Aggregate your financial accounts Secure your account with a 4-digit passcode or biometric on supported devices.

Screenshots

UHCU Mobile4 screens
GEFCU4 screens

Verdict

The call

The clearest difference is review sentiment: GEFCU at 100% against UHCU Mobile's 18%. GEFCU also leads on rating (4.9 vs 2.9) and update cadence (monthly vs every 6 months). UHCU Mobile's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (16.0 vs 26.3). 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

GEFCU holds the better App Store score, 4.9 against 2.9. That said, the two scores are not equally well evidenced: GEFCU has 763 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 100% of GEFCU's.

UpkeepUpdate frequency

UHCU Mobile ships an update every 6 months, GEFCU monthly. The most recent releases landed on November 1, 2026 and November 12, 2026 respectively.

Scorecard6 real differences · 4 level
UHCU Mobile versus GEFCU: the parameters behind the verdict, then further details
ParameterUHCU MobileGEFCU
PriceFreeFree
Rating2.9 (120 ratings)4.9 (763 ratings) — better
Positive reviews18.0% of reviews100.0% of reviews — better
Number of ratings120763 — better
Update frequencyEvery 6 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS16.0 — better26.3
Further details — not scored
Size57 MB202 MB
Age rating4+4+
DeveloperUnited Heritage Credit UnionGovernment Employees Federal Credit Union

Customer experience

UHCU Mobile

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

GEFCU

All ratings763 ratings
Positive97.1%
Neutral1.2%
Negative1.7%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

GEFCU

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

UHCU Mobile

No in-app purchases

None

GEFCU

No in-app purchases

Questions

Is UHCU Mobile free?
UHCU Mobile is free to download, with no in-app purchases.
Is GEFCU free?
GEFCU is free to download, with no in-app purchases.
Which has better reviews, UHCU Mobile or GEFCU?
GEFCU is rated higher. UHCU Mobile averages 2.9 out of 5 from 120 ratings, while GEFCU averages 4.9 from 763 ratings.
Do UHCU Mobile or GEFCU have ads?
Neither UHCU Mobile nor GEFCU shows ads.
Which is updated more often, UHCU Mobile or GEFCU?
UHCU Mobile ships an update every 6 months, and GEFCU monthly. Most recently, UHCU Mobile was updated on November 1, 2026 and GEFCU on November 12, 2026.

Other comparisons