# Raiz vs FirstLight Mobile Banking

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.

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 — 4.9 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.

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

## The numbers

| Metric | Raiz | FirstLight Mobile Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (5.8K ratings)](https://appshunter.io/ios/app/raiz-mobile-banking/id720084936/reviews)** | [4.8 (9.8K ratings)](https://appshunter.io/ios/app/firstlight-mobile-banking/id1108030207/reviews) |
| Number of ratings | 5.8K | **9.8K** |
| Positive reviews | 48.5% of reviews | **50.6% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Monthly** | Every 4 months |
| Monetization | Free | Free |
| Size | 232 MB | 116 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Raiz Federal Credit Union](https://appshunter.io/developer/720084939) | [FirstLight Federal Credit Union](https://appshunter.io/developer/608442678) |

## What reviewers say

### Raiz

[App page](https://appshunter.io/ios/app/raiz-mobile-banking/id720084936)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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**

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


### FirstLight Mobile Banking

[App page](https://appshunter.io/ios/app/firstlight-mobile-banking/id1108030207)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


## Frequently asked 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.

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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.*