# Access CU vs Consult Insure

The clearest difference is ads: Access CU at none against Consult Insure's shown. Consult Insure's advantage is iOS requirement (13.0 vs 17.0). On price, update cadence, in-app purchases and device support there is nothing between them.

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

Access CU ships an update every 2 months, Consult Insure every 3 months. The most recent releases landed on August 9, 2026 and September 16, 2026 respectively.

## The numbers

| Metric | Access CU | Consult Insure |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (5 ratings)](https://appshunter.io/ios/app/access-cu/id765990951/reviews)** | — |
| Number of ratings | **5** | — |
| Positive reviews | 8.0% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 2 months** | Every 3 months |
| Monetization | Free | — |
| Size | 189 MB | 3 MB |
| Requires iOS | 17.0 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Access Credit Union Limited](https://appshunter.io/developer/849283388) | [Momentum Metropolitan Life Ltd.](https://appshunter.io/developer/569939037) |

## 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

**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


### Consult Insure

[App page](https://appshunter.io/ios/app/consult-insure/id1579284480)

**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 Consult Insure free?

Consult Insure is free to download, with no in-app purchases.

### Do Access CU or Consult Insure have ads?

Consult Insure shows ads; Access CU does not.

### Which is updated more often, Access CU or Consult Insure?

Access CU ships an update every 2 months, and Consult Insure every 3 months. Most recently, Access CU was updated on August 9, 2026 and Consult Insure on September 16, 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.*