# Access CU vs my

The clearest difference is review sentiment: my at 81% against Access CU's 8%. my also leads on rating (4.8 vs 4.2) and update cadence (every 2 weeks vs every 2 months). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

my holds the better App Store score, 4.8 against 4.2. Both are backed by a comparable volume of ratings — 5 and 14 respectively. Written reviews point the same way: 8% of Access CU's written reviews are positive against 81% of my's.

Access CU ships an update every 2 months, my every 2 weeks. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | Access CU | my |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (5 ratings)](https://appshunter.io/ios/app/access-cu/id765990951/reviews) | **[4.8 (14 ratings)](https://appshunter.io/ios/app/my-benefits/id927458111/reviews)** |
| Number of ratings | 5 | **14** |
| Positive reviews | 8.4% of reviews | **81.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 189 MB | 64 MB |
| Requires iOS | 17.6 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [Access Credit Union Limited](https://appshunter.io/developer/849283388) | [Johnston Group Inc.](https://appshunter.io/developer/927458110) |

## 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

[App page](https://appshunter.io/ios/app/my-benefits/id927458111)

Manage your employee benefits seamlessly online. Submit claims, track balances, view coverage, and access your digital benefits card. Connect to virtual medical services and explore additional coverage options.

**Highlights:** Submit paperless claims, Set up direct deposit, Track benefits usage and balances, View coverage details, Access digital benefits card, Connect to virtual medical services, Add personal coverage options

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Extremely user-friendly and intuitive interface
- 🚀 Fast and efficient claim submission process
- 💰 Quick reimbursement and payment processing
- 📱 Easy navigation and straightforward design
- ✅ Simple practitioner/provider lookup after initial setup

**What reviewers complain about**

- 🐛 Frequent bugs and glitches in recent updates
- 📸 Persistent issues with photo/camera attachment functionality
- ⏱️ Slow image upload and loading times
- 🔐 Login and account access problems
- ❌ Dropdown menus not functioning properly

**Reported bugs**

- Camera and photo library fail to load during claim submission
- Password change screen stuck/unresponsive
- Dropdown menus not working in mobile app
- Manual text input fields disabled in claim forms
- App crashes with 'null is not an object' error message

**Requested features**

- Dark mode support for app icons
- Direct billing option with providers
- Ability to add comments during claim submission
- Photo review/preview before final submission
- Improved French translation and localization


## Frequently asked questions

### Is Access CU free?

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

### Is my free?

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

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

my is rated higher. Access CU averages 4.2 out of 5 from 5 ratings, while my averages 4.8 from 14 ratings.

### Do Access CU or my have ads?

Neither Access CU nor my shows ads.

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

Access CU ships an update every 2 months, and my every 2 weeks. Most recently, Access CU was updated on October 24, 2026 and my on October 29, 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.*