Comparison

First U.S. Mobile Banking vs SactoCU

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head

First U.S. Mobile Banking

Free

💰 Finance

★ 2.723 ratingsView app →

SactoCU

Free

💰 Finance

★ 4.81.7K ratingsView app →

About

First U.S. Mobile Banking

Manage your finances conveniently from your mobile device. Check account balances, review transaction history, and move funds between accounts. You can also pay loans and communicate with support securely.

Highlights

Check balances
View transaction history
Transfer funds
Pay loans
Secure messaging

Features

Read full description

First U.S. Community CU Mobile Banking allows you to check balances, view transaction history, transfer funds, and pay loans on the go! Features: - Check Balances - View Transaction History - Transfer Funds - Pay Loans - Secure Messaging for support If you have any questions about this application, please contact First U.S. Community CU at (800) 556-6768.

About

SactoCU

Manage your Sacramento Credit Union accounts securely and conveniently on your mobile device. Perform transactions like bill payments, transfers, and check deposits. Access account details, find ATMs, and utilize biometric login for quick access.

Highlights

Bill Pay
Transfers
Account Balance and Activity
Check Deposit
Popmoney
Branch and ATM Locations
Touch ID and Face ID

Features

Read full description

Sacramento Credit Union’s Mobile Banking App provides secure and convenient access to your accounts from your iPhone/iPad. Use your Online Banking Username and Password to sign in. Features include: Bill Pay Transfers Account Balance and Activity Check Deposit Popmoney e-Statement/e-Alerts Branch and ATM Locations Quick Balance Touch ID and Face ID See the T&C for details. To learn how we protect your privacy, visit https://www.sactocu.org/About/Privacy-Policy

Screenshots

First U.S. Mobile Banking4 screens

SactoCU4 screens

Verdict

The call

The clearest difference is rating: SactoCU at 4.8 against First U.S. Mobile Banking's 2.7. SactoCU also leads on ratings volume (1.7K vs 23). First U.S. Mobile Banking's advantage is update cadence (monthly vs every 4 months). On price, review sentiment, ads and in-app purchases 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

SactoCU holds the better App Store score, 4.8 against 2.7. That said, the two scores are not equally well evidenced: SactoCU has 1.7K ratings behind it against 23, so its average is the more settled of the two. Written reviews complicate that: 65% of First U.S. Mobile Banking's written reviews are positive against 63% of SactoCU's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

First U.S. Mobile Banking ships an update monthly, SactoCU every 4 months. The most recent releases landed on September 20, 2026 and September 25, 2026 respectively.

Scorecard3 real differences · 7 level

First U.S. Mobile Banking versus SactoCU: the parameters behind the verdict, then further details
Parameter	First U.S. Mobile Banking	SactoCU
Price	Free	Free
Rating	2.7 (23 ratings)	4.8 (1.7K ratings) — better
Positive reviews	64.6% of reviews — better	62.9% of reviews
Number of ratings	23	1.7K — better
Update frequency	Monthly — better	Every 4 months
Ads	No	No
In-app purchases	No	No
Monetization	Free	Free
Devices	iPhone, iPad	iPhone, iPad, Apple Watch — better
Requires iOS	16.0 — better	17.0
Further details — not scored
Size	180 MB	100 MB
Age rating	4+	4+
Developer	First U.S. Community Credit Union	SACRAMENTO CREDIT UNION

Customer experience

First U.S. Mobile Banking

All ratings23 ratings

Positive39.1%

Neutral0.0%

Negative60.9%

Written reviews65 reviews

Positive64.6%

Neutral6.2%

Negative29.2%

SactoCU

All ratings1,711 ratings

Positive95.5%

Neutral1.9%

Negative2.6%

Written reviews35 reviews

Positive62.9%

Neutral11.4%

Negative25.7%

User reviews

First U.S. Mobile Banking

From 23 App Store ratings

What we love

👍 Easy to use
👍 Convenient for managing accounts
👍 Quick balance check
👍 Fingerprint scan sign on
👍 Facial recognition

Room to improve

🐛 Mobile deposits frequently rejected
🐛 App crashes frequently
🐛 Nothing works when not crashing
🐛 Cannot log in
🐛 Cannot change username/password

SactoCU

From 1.7K App Store ratings

What we love

👍 Convenient
👍 Fantastic app
👍 Wonderful mobile banking
👍 Fantastic credit union
👍 Convenient and useful

Room to improve

🐛 Horrible update
🐛 Freezes up for mobile deposits
🐛 Lack of night mode
🐛 Issues with confirming identity
🐛 Non-user friendly for Apple users

Bugs and requests

First U.S. Mobile Banking

Reported bugs

24 issues

Mobile deposits rejected 99% of the time
App constantly crashes
Nothing works when app doesn't crash
Cannot log into account
Won't let user change username or password

Show 19 more

App freezes to a white screen
Mobile deposit error: endorsement cannot be found
Mobile deposit error: check amount doesn't match
Mobile deposit error: cannot read numbers on check
App requires a newer phone
Latest version is a giant step backward
Zelle feature has never functioned
App does not remember Face ID setting between accounts
Face ID is buggy
Mobile deposit has consistently failed
App consistently returning error messages
Fingerprint does not work
Mobile deposit does not work
Setting up fingerprint sign on causes freeze
Edeposit freezes unless pictures are taken first
Bill pay freezes on payee selection screen
Fingerprint authentication doesn't work under iOS 9
Edeposit locks up under iOS 9
Cannot eDeposit check

Requested features

16 requests

Add balance notification settings
Add temporary card locks
Add interactive search engine for vendor/payee activity
Add two-factor sign-in authentication
Add ability to see loan maturity date and payment number

Show 11 more

Add Face ID for iPhones
Add facial recognition for new iPhones
Add ability to log in once and check multiple accounts
Add required language for back of check on mobile deposit page
Add ability to set up a notification for low balance
Allow larger mobile deposits with branch override
Add Apple Pay functionality
Allow changes to set up bill pay payments instead of cancelling
Improve Face ID functionality across multiple accounts
Revert to old layout/color scheme
Improve Zelle functionality

SactoCU

Reported bugs

3 issues

Login page issues
Temporary password not received
Locking users out after password change

Requested features

4 requests

Update the app more frequently
Improve mobile check deposit
Add night mode option
Allow access to multiple accounts

In-app purchases

None

First U.S. Mobile Banking

No in-app purchases

None

SactoCU

No in-app purchases

Questions

Is First U.S. Mobile Banking free?

First U.S. Mobile Banking is free to download, with no in-app purchases.

Is SactoCU free?

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

Which has better reviews, First U.S. Mobile Banking or SactoCU?

SactoCU is rated higher. First U.S. Mobile Banking averages 2.7 out of 5 from 23 ratings, while SactoCU averages 4.8 from 1.7K ratings.

Do First U.S. Mobile Banking or SactoCU have ads?

Neither First U.S. Mobile Banking nor SactoCU shows ads.

Which is updated more often, First U.S. Mobile Banking or SactoCU?

First U.S. Mobile Banking ships an update monthly, and SactoCU every 4 months. Most recently, First U.S. Mobile Banking was updated on September 20, 2026 and SactoCU on September 25, 2026.