# First U.S. Mobile Banking vs SactoCU

The clearest difference is rating: SactoCU at 4.8 against First U.S. Mobile Banking's 2.7. SactoCU also leads on ratings volume (1.9K vs 25). 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.

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

SactoCU holds the better App Store score, 4.8 against 2.7. That said, the two scores are not equally well evidenced: SactoCU has 1.9K ratings behind it against 25, 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.

First U.S. Mobile Banking ships an update monthly, SactoCU every 4 months. The most recent releases landed on October 23, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | First U.S. Mobile Banking | SactoCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.7 (25 ratings)](https://appshunter.io/ios/app/first-us-mobile-banking/id766103048/reviews) | **[4.8 (1.9K ratings)](https://appshunter.io/ios/app/sactocu/id1413880148/reviews)** |
| Number of ratings | 25 | **1.9K** |
| Positive reviews | **64.6% of reviews** | 63.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 4 months |
| Monetization | Free | Free |
| Size | 180 MB | 104 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone, iPad | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [First U.S. Community Credit Union](https://appshunter.io/developer/766103051) | [SACRAMENTO CREDIT UNION](https://appshunter.io/developer/604155571) |

## What reviewers say

### First U.S. Mobile Banking

[App page](https://appshunter.io/ios/app/first-us-mobile-banking/id766103048)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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

**Requested features**

- 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


### SactoCU

[App page](https://appshunter.io/ios/app/sactocu/id1413880148)

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:** Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


## Frequently asked 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 25 ratings, while SactoCU averages 4.8 from 1.9K 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 October 23, 2026 and SactoCU on October 27, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*