Comparison

SPFCU vs SPXFCU Mobile Banking

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

Head to head
About

SPFCU

Manage all your finances in one place with this comprehensive banking and budgeting app. Track accounts, deposit checks, control cards, and plan your financial future with interactive tools and personalized tips.

Highlights
  • Remote check deposit
  • Card controls
  • Budgeting tools
  • Transaction tracking
  • Goal setting
  • Debt management
  • Net worth tracking
Features
Read full description

Track, plan, and manage all of your finances in one place with Sierra Pacific FCU mobile, now featuring Money Map. Free for Sierra Pacific FCU members, this app combines classic mobile banking features like Remote Check Deposit, Transfers, and Card Controls with interactive tools to help budget, track, and plan your financial future. Add external accounts and loans to get a full financial picture. Smart financial tips sent straight to your phone or email will keep you on track, up-to-date, and aware of opportunities to improve. MOBILE BANKING: Manage your Sierra Pacific FCU loans and accounts with modern mobile banking tools. With this app, users can: - View loan and account balances and transactions - Transfer between SPFCU accounts and loans - Enroll in and view E-statements - Remotely deposit checks – additional enrollment required - Pay bills from one central location—additional enrollment required - Use Remote Card Controls to stop or pause debit and credit card use - Apply for a loan - Update address and email information - View documents, holds, and outstanding items MONEY DESKTOP: Introducing our new suite of money management tools! Track internal and external loans, accounts, cards, and investments inside your mobile banking app. Monitor balances, track spending, and plan for the future. - ACCOUNTS: Keep track of account balances, loan payments, and more for all your accounts, from one screen. - TRANSACTIONS: Monitor transactions from all any card or account and add them to budget categories. - SPENDING: See your spending at a glance, overall or by category. See where your money is going in an instant. - BUDGETS: Plan future spending and visualize your progress with interactive Bubble Budgets. Drill down into sub-categories and transactions with a tap. - TRENDS: See how your spending and savings change over time, and see what transactions impact these trends. - DEBTS: Explore debt repayment strategies to help pay down debt and see upcoming payments for all your loans and cards on one screen. - NET WORTH: Watch your net worth change over time, and drill down into what causes bumps and drops. - GOALS: Create, visualize, and manage your financial goals on an interactive timeline. - CASH FLOW: Track and plan for recurring payments and deposits and see how much cash you’ll have available any given day. - ALERTS: Receive by SMS or email to stay informed about your finances. Select the alerts that make sense for you.

About

SPXFCU Mobile Banking

Manage your finances on the go with this mobile banking app. Easily monitor accounts, deposit checks, make transfers, and pay bills. Securely access your information with biometric login and set up custom alerts.

Highlights
  • Account monitoring
  • Mobile check deposit
  • Fund transfers
  • Bill payment
  • Biometric login
  • Account alerts
Features
Read full description

Easily access all of your accounts and features right at your fingertips with our mobile app. Manage your accounts, deposit checks, make transfers, pay bills and more! Manage Your Accounts [+] Monitor your checking and savings accounts (current and available) [+] View mortgage, auto loan and other account balances [+] Set up Account Alerts and adjust your preferences Quick Access [+] Enable Touch ID® or Face ID® for a fast and safe way to access your account [+] View your balances on the go with Fast Balances Enhanced Navigation [+] My profile menu to manage notifications and personal preferences [+] Navigation tray with quick access to our top used features [+] Hamburger menu with all of the transactional tools needed to stay on top of your finances Deposit Funds [+] Deposit checks by taking photos of checks to deposit them [+] Instantly view the processing deposit in your account Make Transfers and Payments [+] Transfer funds between your accounts and to other financial institutions [+] View and manage your bills and recurring payments in one place Disclosure [+] Our mobile app is Free, mobile carrier message and data rates may apply [+] Some features are only available for eligible account holders and/or accounts.

Screenshots

SPFCU4 screens
SPXFCU Mobile Banking4 screens

Verdict

The call

The clearest difference is review sentiment: SPFCU at 100% against SPXFCU Mobile Banking's 0%. SPXFCU Mobile Banking's advantage is rating (4.8 vs 3.9) and ratings volume (311 vs 8). On price, update cadence, 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

SPXFCU Mobile Banking holds the better App Store score, 4.8 against 3.9. That said, the two scores are not equally well evidenced: SPXFCU Mobile Banking has 311 ratings behind it against 8, so its average is the more settled of the two. Written reviews complicate that: 100% of SPFCU's written reviews are positive against 0% of SPXFCU Mobile Banking's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

SPFCU ships an update every 4 months, SPXFCU Mobile Banking every 3 months. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
SPFCU versus SPXFCU Mobile Banking: the parameters behind the verdict, then further details
ParameterSPFCUSPXFCU Mobile Banking
PriceFreeFree
Rating3.9 (8 ratings)4.8 (311 ratings) — better
Positive reviews100.0% of reviews — better0.0% of reviews
Number of ratings8311 — better
Update frequencyEvery 4 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size35 MB108 MB
Age rating4+4+
DeveloperSierra Pacific Federal Credit UnionSt. Pius X Church Federal Credit Union

Customer experience

SPFCU

All ratings8 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

SPXFCU Mobile Banking

All ratings248 ratings
Positive94.8%
Neutral2.0%
Negative3.2%
Written reviews3 reviews
Positive0.0%
Neutral33.3%
Negative66.7%

In-app purchases

None

SPFCU

No in-app purchases

None

SPXFCU Mobile Banking

No in-app purchases

Questions

Is SPFCU free?
SPFCU is free to download, with no in-app purchases.
Is SPXFCU Mobile Banking free?
SPXFCU Mobile Banking is free to download, with no in-app purchases.
Which has better reviews, SPFCU or SPXFCU Mobile Banking?
SPXFCU Mobile Banking is rated higher. SPFCU averages 3.9 out of 5 from 8 ratings, while SPXFCU Mobile Banking averages 4.8 from 311 ratings.
Do SPFCU or SPXFCU Mobile Banking have ads?
Neither SPFCU nor SPXFCU Mobile Banking shows ads.
Which is updated more often, SPFCU or SPXFCU Mobile Banking?
SPFCU ships an update every 4 months, and SPXFCU Mobile Banking every 3 months. Most recently, SPFCU was updated on October 23, 2026 and SPXFCU Mobile Banking on October 24, 2026.

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