Comparison

Raiz vs TCDRS

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

TCDRS

Manage your retirement savings and benefits securely from your mobile device. Track your account balance, estimate future payments, and update personal information. Designed for both active members and retirees to stay connected to their financial future.

Highlights
  • View account balance and transaction history
  • Estimate monthly retirement benefits
  • Apply for retirement or withdrawals
  • Manage beneficiaries
  • Update contact information
  • Access annual statements
  • Track retirement payments
Features
Read full description

Plan your future with confidence — all from the palm of your hand. The Texas County & District Retirement System (TCDRS) app makes it simple to manage your retirement account, track your savings, and stay connected at every stage of your journey. With the TCDRS app, members can: • View your account balance, transaction history, and savings growth • Estimate your monthly retirement benefit • Apply for retirement or withdraw your account (if eligible) • Manage your beneficiaries quickly and securely • Update your contact information with ease • Access your annual statements and account information anytime Already retired? Retirement doesn’t mean you stop planning. The TCDRS app helps retirees stay connected by allowing you to: • View and track your monthly retirement payments • Update direct deposit information • Adjust your tax withholding preferences • Access and download your 1099-R tax forms • Update your personal and beneficiary information easily Stay connected to your retirement with secure, convenient account access wherever you go. Download the TCDRS app today — safe, secure, and built just for you.

Screenshots

Raiz4 screens
TCDRS4 screens

Verdict

The call

The clearest difference is rating: Raiz at 4.9 against TCDRS's 4.1. Raiz also leads on ratings volume (5.8K vs 11) and review sentiment (49% vs 33%). TCDRS's advantage is update cadence (every 2 days vs monthly) and iOS requirement (13.0 vs 16.0). On price, ads, in-app purchases and monetization model 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

Raiz holds the better App Store score, 4.9 against 4.1. That said, the two scores are not equally well evidenced: Raiz has 5.8K ratings behind it against 11, so its average is the more settled of the two. Written reviews point the same way: 49% of Raiz's written reviews are positive against 33% of TCDRS's.

UpkeepUpdate frequency

Raiz ships an update monthly, TCDRS every 2 days. The most recent releases landed on October 22, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
Raiz versus TCDRS: the parameters behind the verdict, then further details
ParameterRaizTCDRS
PriceFreeFree
Rating4.9 (5.8K ratings) — better4.1 (11 ratings)
Positive reviews48.5% of reviews — better33.3% of reviews
Number of ratings5.8K — better11
Update frequencyMonthlyEvery 2 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.013.0 — better
Further details — not scored
Size232 MB8 MB
Age rating4+4+
DeveloperRaiz Federal Credit UnionTexas County and District Retirement System

Customer experience

Raiz

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

TCDRS

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

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

TCDRS

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Raiz

No in-app purchases

None

TCDRS

No in-app purchases

Questions

Is Raiz free?
Raiz is free to download, with no in-app purchases.
Is TCDRS free?
TCDRS is free to download, with no in-app purchases.
Which has better reviews, Raiz or TCDRS?
Raiz is rated higher. Raiz averages 4.9 out of 5 from 5.8K ratings, while TCDRS averages 4.1 from 11 ratings.
Do Raiz or TCDRS have ads?
Neither Raiz nor TCDRS shows ads.
Which is updated more often, Raiz or TCDRS?
Raiz ships an update monthly, and TCDRS every 2 days. Most recently, Raiz was updated on October 22, 2026 and TCDRS on October 24, 2026.

Other comparisons