# Raiz vs TCDRS

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.

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

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.

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

## The numbers

| Metric | Raiz | TCDRS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (5.8K ratings)](https://appshunter.io/ios/app/raiz-mobile-banking/id720084936/reviews)** | [4.1 (11 ratings)](https://appshunter.io/ios/app/tcdrs/id6745794430/reviews) |
| Number of ratings | **5.8K** | 11 |
| Positive reviews | **48.5% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 days** |
| Monetization | Free | Free |
| Size | 232 MB | 8 MB |
| Requires iOS | 16.0 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Raiz Federal Credit Union](https://appshunter.io/developer/720084939) | [Texas County and District Retirement System](https://appshunter.io/developer/1813912753) |

## 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


### TCDRS

[App page](https://appshunter.io/ios/app/tcdrs/id6745794430)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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.

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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.*