Comparison

Raiz vs FirstLight Mobile Banking

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

Head to head
About

Raiz

Manage your finances conveniently with this mobile banking application. It offers features like account management, loan applications, credit score viewing, and secure card management. The app also includes budgeting tools and a virtual assistant for financial guidance.

Highlights
  • View credit score
  • Apply for loans and credit cards
  • Manage cards and fight fraud
  • Virtual financial assistant
  • Savings goals and budgeting tools
  • Deposit checks via mobile camera
  • Member-to-member transfers
Features
Read full description

Reach new financial heights with our easy-to-use app. Our modern design and features allow intuitive navigation and account management. The Raiz mobile app is your all-in-one place for banking on the go. With our app, you can open new accounts, apply for loans, receive statements, view your credit score, manage your cards, and much more. Features: • View credit score • Touch ID or Face ID compatible for added security • Find Raiz ATMs and branches closest to you • Setup automatic payments with Bill Pay • Voice-enabled chat with “Archie” your virtual financial assistant • Fight fraud with an integrated card management feature • Improve your financial wellness with savings goals and budgeting tools • View your accounts and statements (available in English and Spanish) • Deposit checks using the camera on your mobile device • Apply and make payments on Raiz loans, credit cards, and more • Setup alerts and notifications to keep track of payments and avoid extra fees • Link accounts from other financial institutions for easy monitoring • Exchange money with member-to-member transfers

About

FirstLight Mobile Banking

Manage your finances on the go with this mobile banking app. Review account activity, transfer funds, pay bills, deposit checks, and find ATM locations. It offers secure access to your accounts, optimized for Apple devices.

Highlights
  • Review account balances and transactions
  • Transfer funds between accounts
  • Pay bills
  • View cleared check copies
  • Deposit checks
  • Locate ATMs and branches
Read full description

FirstLight’s FREE Mobile Banking Application - optimized for iPhone and iPad devices.* FEATURES OF FirstLight MOBILE BANKING: • Review account balances and transactions • Transfer funds between accounts • Pay bills** • View copies of cleared checks • Deposit checks • Locate surcharge-free ATM’s and FirstLight branches SAFE AND SECURE FirstLight uses SSL (Secure Socket Layer) encryption to communicate securely through all mobile devices. *Must be enrolled in Online Banking. There is no charge from FirstLight, but messaging and data rates may apply. **Must have Bill Pay set up previously in Online Banking.

Screenshots

Raiz4 screens
FirstLight Mobile Banking4 screens

Verdict

The call

The clearest difference is ads: Raiz at none against FirstLight Mobile Banking's shown. Raiz also leads on update cadence (monthly vs every 4 months). On price, rating, review sentiment and ratings volume 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

On the App Store both sit at effectively the same score — 4.9 for Raiz against 4.8 for FirstLight Mobile Banking. Both are backed by a comparable volume of ratings — 5.8K and 9.8K respectively. Written reviews are what separate them: 49% of Raiz's written reviews are positive against 51% of FirstLight Mobile Banking's.

UpkeepUpdate frequency

Raiz ships an update monthly, FirstLight Mobile Banking every 4 months. Both last shipped on September 22, 2026.

Scorecard2 real differences · 8 level
Raiz versus FirstLight Mobile Banking: the parameters behind the verdict, then further details
ParameterRaizFirstLight Mobile Banking
PriceFreeFree
Rating4.9 (5.8K ratings) — better4.8 (9.8K ratings)
Positive reviews48.5% of reviews50.6% of reviews — better
Number of ratings5.8K9.8K — better
Update frequencyMonthly — betterEvery 4 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better17.0
Further details — not scored
Size232 MB116 MB
Age rating4+4+
DeveloperRaiz Federal Credit UnionFirstLight Federal Credit Union

Customer experience

Raiz

All ratings5,787 ratings
Positive96.9%
Neutral1.8%
Negative1.3%
Written reviews101 reviews
Positive48.5%
Neutral6.9%
Negative44.6%

FirstLight Mobile Banking

All ratings8,556 ratings
Positive95.9%
Neutral1.6%
Negative2.5%
Written reviews83 reviews
Positive50.6%
Neutral3.6%
Negative45.8%

User reviews

Raiz

From 5.8K App Store ratings

What we love

  • 🚀 Easy to use
  • 👍 User-friendly interface
  • 💡 Integrated Zelle functionality
  • 🚀 Fast and responsive
  • 👍 Convenient account management

Room to improve

  • 🐛 Frequent crashes and glitches
  • 🐛 Unreliable Zelle integration
  • 🐛 Difficulty accessing accounts
  • 🔒 Security and login issues
  • 👎 Poor customer service

FirstLight Mobile Banking

From 9.8K App Store ratings

What we love

  • 🚀 Fast and responsive app
  • 👍 User-friendly interface
  • 🔒 Secure banking experience
  • 💡 Convenient features like check deposit

Room to improve

  • 🐛 Frequent app crashes and errors
  • ⏱️ Slow performance and loading times
  • 💰 Unexpected fees and charges
  • 🔄 Unreliable account balances and transactions

Bugs and requests

Raiz

Reported bugs

4 issues
  • Repeated sign-outs and login issues
  • Inability to access accounts and view balances
  • Zelle verification failures and disconnections
  • Freezing and crashing during app usage

Requested features

4 requests
  • Improve Zelle integration
  • Enhance account visibility and transaction history
  • Implement more robust security features
  • Provide better customer support options

FirstLight Mobile Banking

Reported bugs

3 issues
  • Camera not working for check deposits
  • Login issues and account access problems
  • Delayed or inaccurate transaction updates

Requested features

4 requests
  • Ability to transfer funds between accounts
  • Search and filter transaction history
  • Improved mobile check deposit functionality
  • Dark mode option for the app

In-app purchases

None

Raiz

No in-app purchases

None

FirstLight Mobile Banking

No in-app purchases

Questions

Is Raiz free?
Raiz is free to download, with no in-app purchases.
Is FirstLight Mobile Banking free?
FirstLight Mobile Banking is free to download, with no in-app purchases.
Which has better reviews, Raiz or FirstLight Mobile Banking?
Raiz is rated higher. Raiz averages 4.9 out of 5 from 5.8K ratings, while FirstLight Mobile Banking averages 4.8 from 9.8K ratings.
Do Raiz or FirstLight Mobile Banking have ads?
FirstLight Mobile Banking shows ads; Raiz does not.
Which is updated more often, Raiz or FirstLight Mobile Banking?
Raiz ships an update monthly, and FirstLight Mobile Banking every 4 months. Most recently, Raiz was updated on September 22, 2026 and FirstLight Mobile Banking on September 22, 2026.

Other comparisons