# First U.S. Mobile Banking vs Central State CU

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.

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

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.

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

## The numbers

| Metric | First U.S. Mobile Banking | Central State CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.7 (25 ratings)](https://appshunter.io/ios/app/first-us-mobile-banking/id766103048/reviews) | **[4.8 (2K ratings)](https://appshunter.io/ios/app/central-state-cu/id1456393527/reviews)** |
| Number of ratings | 25 | **2K** |
| Positive reviews | **64.6% of reviews** | 59.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free | Free |
| Size | 180 MB | 67 MB |
| Requires iOS | 16.0 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [First U.S. Community Credit Union](https://appshunter.io/developer/766103051) | [Central State Credit Union](https://appshunter.io/developer/740019056) |

## 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


### Central State CU

[App page](https://appshunter.io/ios/app/central-state-cu/id1456393527)

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:** Apple Watch app

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- App crashes frequently
- Accounts not loading properly

**Requested features**

- Add ability to transfer to other members
- Improve password management


## 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 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.

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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.*