Comparison

First U.S. Mobile Banking vs Central State CU

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

★ 2.725 ratingsView app →

Central State CU

Free

💰 Finance

★ 4.82K 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

Central State CU

Manage your finances on the go with this mobile banking application. Check balances, transfer funds, pay bills, and deposit checks using your device's camera. Securely access your accounts with fingerprint or facial recognition.

Highlights

Check account balances and transactions
Transfer funds between accounts
Pay bills and manage payees
Deposit checks via camera
Find nearby branches and ATMs
Secure login with Touch ID/Face ID

Features

Read full description

Do more with our Central State CU app. The Central State CU app allows you to: - Sign in with Face ID or Touch ID - Use Quick Balance to view account balances without signing in - Transfer funds between accounts - View account balances and transactions - Make loan payments - Deposit checks - View check copies - Pay bills - Access Statements - Left/right-handed modes - Full Neurodiverse features including options for epilepsy, dyslexia, color blindness, and visual sensitivity. ...and more! For more information or to become a member of Central State Credit Union, visit us at centralstatecu.org

Screenshots

First U.S. Mobile Banking4 screens

Central State CU4 screens

Verdict

The call

The clearest difference is rating: Central State CU at 4.8 against First U.S. Mobile Banking's 2.7. Central State CU also leads on ratings volume (2K vs 25) and device support (4 vs 2). On price, review sentiment, update cadence and ads 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

Central State CU holds the better App Store score, 4.8 against 2.7. That said, the two scores are not equally well evidenced: Central State CU has 2K 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 59% of Central State CU's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 23, 2026 and October 26, 2026 respectively.

Scorecard3 real differences · 7 level

First U.S. Mobile Banking versus Central State CU: the parameters behind the verdict, then further details
Parameter	First U.S. Mobile Banking	Central State CU
Price	Free	Free
Rating	2.7 (25 ratings)	4.8 (2K ratings) — better
Positive reviews	64.6% of reviews — better	59.4% of reviews
Number of ratings	25	2K — better
Update frequency	Monthly	Monthly
Ads	No	No
In-app purchases	No	No
Monetization	Free	Free
Devices	iPhone, iPad	iPhone, iPad, iPod, Apple Watch — better
Requires iOS	16.0	15.6 — better
Further details — not scored
Size	180 MB	67 MB
Age rating	4+	4+
Developer	First U.S. Community Credit Union	Central State 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%

Central State CU

All ratings1,971 ratings

Positive95.1%

Neutral2.4%

Negative2.5%

Written reviews32 reviews

Positive59.4%

Neutral3.1%

Negative37.5%

User reviews

First U.S. Mobile Banking

From 25 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

Central State CU

From 2K App Store ratings

What we love

👍 Great service
🚀 Easy to use
👍 Helpful staff
👍 Reliable app

Room to improve

🐛 Slow app performance
🐛 Login/app issues
🐛 Unreliable transactions

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

Central State CU

Reported bugs

2 issues

App crashes frequently
Accounts not loading properly

Requested features

2 requests

Add ability to transfer to other members
Improve password management

In-app purchases

None

First U.S. Mobile Banking

No in-app purchases

None

Central State CU

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 Central State CU free?

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

Which has better reviews, First U.S. Mobile Banking or Central State CU?

Central State CU is rated higher. First U.S. Mobile Banking averages 2.7 out of 5 from 25 ratings, while Central State CU averages 4.8 from 2K ratings.

Do First U.S. Mobile Banking or Central State CU have ads?

Neither First U.S. Mobile Banking nor Central State CU shows ads.

Which is updated more often, First U.S. Mobile Banking or Central State CU?

First U.S. Mobile Banking ships an update monthly, and Central State CU monthly. Most recently, First U.S. Mobile Banking was updated on October 23, 2026 and Central State CU on October 26, 2026.