# Access CU vs my BACU

The clearest difference is review sentiment: my BACU at 71% against Access CU's 8%. my BACU also leads on rating (5.0 vs 4.2) and iOS requirement (15.0 vs 17.6). Access CU's advantage is update cadence (every 2 months vs every 13 months) and ratings volume (5 vs 1). 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.

my BACU holds the better App Store score, 5.0 against 4.2. That said, the two scores are not equally well evidenced: Access CU has 5 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 8% of Access CU's written reviews are positive against 71% of my BACU's.

Access CU ships an update every 2 months, my BACU every 13 months. The most recent releases landed on October 24, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | Access CU | my BACU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (5 ratings)](https://appshunter.io/ios/app/access-cu/id765990951/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/my-bacu/id1447542728/reviews)** |
| Number of ratings | **5** | 1 |
| Positive reviews | 8.4% of reviews | **71.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 13 months |
| Monetization | Free | Free |
| Size | 189 MB | 48 MB |
| Requires iOS | 17.6 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Access Credit Union Limited](https://appshunter.io/developer/849283388) | [Belgian Alliance Credit Union](https://appshunter.io/developer/1441095013) |

## What reviewers say

### Access CU

[App page](https://appshunter.io/ios/app/access-cu/id765990951)

Manage your finances securely and conveniently from your mobile device. Deposit cheques, open new accounts, schedule payments, and transfer funds between accounts. Offers enhanced security features and customization options for a personalized banking experience.

**Highlights:** Remote cheque deposit, Open new accounts, Download void cheques, Schedule transfers and bill payments, Canadian to US dollar transfers, Enhanced security features, Profile customization

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- ✅ Basic banking functions work when app is functioning
- 🔒 Enhanced security features compared to predecessor apps
- 📱 Supports e-transfers and bill payments
- 💳 Mobile deposit capability available
- 🎯 Simple navigation when accessible

**What reviewers complain about**

- 🐛 Frequent crashes and freezes
- 🔐 Persistent login failures and lockouts
- ⏱️ Extremely slow performance and loading
- 📵 App won't open or becomes unresponsive
- 🔄 Requires constant deletion and reinstallation

**Reported bugs**

- Login loop - username/password/error repeating indefinitely
- App won't open or launch properly
- Crashes immediately after update installation
- Face ID/biometric authentication fails or blocks access
- App hangs during login process

**Requested features**

- Fix Face ID and biometric authentication reliability
- Implement proper multi-factor authentication (MFA)
- Improve app stability and prevent crashes
- Streamline update process to avoid deletion/reinstall
- Enhance mobile deposit feature usability


### my BACU

[App page](https://appshunter.io/ios/app/my-bacu/id1447542728)

Manage your Belgian-Alliance Credit Union accounts securely and conveniently from your mobile device. Check balances, process transfers, deposit checks remotely, and pay bills on the go.

**Highlights:** Account balance checks, Fund transfers, Account history viewing, Remote check deposit, Bill payment, E-Transfer sending/receiving

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Access CU free?

Access CU is free to download, with no in-app purchases.

### Is my BACU free?

my BACU is free to download, with no in-app purchases.

### Which has better reviews, Access CU or my BACU?

my BACU is rated higher. Access CU averages 4.2 out of 5 from 5 ratings, while my BACU averages 5.0 from 1 ratings.

### Do Access CU or my BACU have ads?

Neither Access CU nor my BACU shows ads.

### Which is updated more often, Access CU or my BACU?

Access CU ships an update every 2 months, and my BACU every 13 months. Most recently, Access CU was updated on October 24, 2026 and my BACU on October 6, 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.*