# UMassFive Mobile Banking vs HCU Mobile

The clearest difference is ads: HCU Mobile at none against UMassFive Mobile Banking's shown. On price, rating, review sentiment and ratings volume there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for UMassFive Mobile Banking against 4.9 for HCU Mobile. Both are backed by a comparable volume of ratings — 3.1K and 1.2K respectively. Written reviews are what separate them: 30% of UMassFive Mobile Banking's written reviews are positive against 38% of HCU Mobile's.

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on September 24, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | UMassFive Mobile Banking | HCU Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (3.1K ratings)](https://appshunter.io/ios/app/umassfive-mobile-banking/id712366261/reviews) | **[4.9 (1.2K ratings)](https://appshunter.io/ios/app/hcu-mobile/id960850975/reviews)** |
| Number of ratings | **3.1K** | 1.2K |
| Positive reviews | 29.8% of reviews | **37.5% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | Free | Free |
| Size | 90 MB | 106 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UMass Five College Federal Credit Union](https://appshunter.io/developer/691326852) | [Holyoke Credit Union](https://appshunter.io/developer/960850974) |

## What reviewers say

### UMassFive Mobile Banking

[App page](https://appshunter.io/ios/app/umassfive-mobile-banking/id712366261)

Manage your finances securely and conveniently from your mobile device. This app offers robust security features like card controls and budgeting tools to help you monitor your spending, set savings goals, and access your accounts anytime, anywhere.

**Highlights:** Card on/off controls, Spending limits, Geographic/merchant restrictions, Remote check deposit, Bill pay, Budgeting and savings goals, Fund transfers

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 👍 Smooth transitions
- 💡 Great for online banking

**What reviewers complain about**

- 🐛 Login issues
- 🐛 Frequent crashes
- 🐛 Face/Touch ID not working
- 🐛 Unreliable app performance
- 🐛 Inconsistent user experience

**Reported bugs**

- Login not working
- App crashing
- Face/Touch ID not functioning
- Frequent errors and timeouts
- Inconsistent user experience across updates

**Requested features**

- Purchase transaction notifications
- Credit card transaction history integration
- Improved authentication options


### HCU Mobile

[App page](https://appshunter.io/ios/app/hcu-mobile/id960850975)

Manage your finances on the go with this app. Access all your accounts, deposit checks, make transfers, pay bills, and monitor your credit score. Enjoy quick and secure access with biometric login and enhanced navigation for easy financial management.

**Highlights:** Account management, Mobile check deposit, Fund transfers, Bill payment, Credit score monitoring, Biometric login

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to navigate
- 👍 Simple and easy transactions
- 🚀 Convenient mobile access

**What reviewers complain about**

- 🐛 App crashes and logs users out
- 🐛 Login issues with fingerprint/facial recognition
- 🐛 Frequent app updates causing disruptions
- 🐛 Unreliable performance and loading issues

**Reported bugs**

- App crashes and freezes
- Login issues with fingerprint/facial recognition
- Frequent app updates causing disruptions

**Requested features**

- Notify customers before app updates
- Improve login and authentication experience
- Provide more stability and reliability


## Frequently asked questions

### Is UMassFive Mobile Banking free?

UMassFive Mobile Banking is free to download, with no in-app purchases.

### Is HCU Mobile free?

HCU Mobile is free to download, with no in-app purchases.

### Which has better reviews, UMassFive Mobile Banking or HCU Mobile?

HCU Mobile is rated higher. UMassFive Mobile Banking averages 4.8 out of 5 from 3.1K ratings, while HCU Mobile averages 4.9 from 1.2K ratings.

### Do UMassFive Mobile Banking or HCU Mobile have ads?

UMassFive Mobile Banking shows ads; HCU Mobile does not.

### Which is updated more often, UMassFive Mobile Banking or HCU Mobile?

UMassFive Mobile Banking ships an update every 3 months, and HCU Mobile every 3 months. Most recently, UMassFive Mobile Banking was updated on September 24, 2026 and HCU Mobile on September 22, 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.*