# HPCU Mobile Banking vs TCDRS

HPCU Mobile Banking and TCDRS both sit at 4.9 stars, but that hides the real split: 78% of HPCU Mobile Banking's written reviews are positive against 33% of TCDRS's. HPCU Mobile Banking also leads on ratings volume (6.8K vs 4). TCDRS's advantage is ads (none vs shown) and update cadence (every 2 days vs monthly). On price, rating, in-app purchases and device support there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.9 for HPCU Mobile Banking against 5.0 for TCDRS. That said, the two scores are not equally well evidenced: HPCU Mobile Banking has 6.8K ratings behind it against 4, so its average is the more settled of the two. Written reviews are what separate them: 78% of HPCU Mobile Banking's written reviews are positive against 33% of TCDRS's.

HPCU Mobile Banking ships an update monthly, TCDRS every 2 days. The most recent releases landed on September 25, 2026 and July 5, 2026 respectively.

## The numbers

| Metric | HPCU Mobile Banking | TCDRS |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (6.8K ratings)](https://appshunter.io/ios/app/hpcu-mobile-banking/id791707885/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/tcdrs/id6745794430/reviews)** |
| Number of ratings | **6.8K** | 4 |
| Positive reviews | **78.3% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Monthly | **Every 2 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 230 MB | 8 MB |
| Requires iOS | 15.1 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Houston Police Federal Credit Union](https://appshunter.io/developer/473816262) | [Texas County and District Retirement System](https://appshunter.io/developer/1813912753) |

## What reviewers say

### HPCU Mobile Banking

[App page](https://appshunter.io/ios/app/hpcu-mobile-banking/id791707885)

Manage your finances conveniently on the go with this mobile banking app. Perform essential banking tasks like depositing checks, paying bills, and transferring funds directly from your smartphone. Access your account information and locate ATMs with ease.

**Highlights:** Deposit checks, Pay bills and credit cards, Send money, Check balances and transaction history, View check images, Find nearby ATMs

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient mobile banking
- 🔒 Excellent fraud detection/prevention
- 👍 Friendly and professional staff
- 👍 Reliable and timely information

**What reviewers complain about**

- 🐛 Occasional app crashes or glitches
- 🔍 Lacking some features like Zelle and more ATM locations
- 🔍 Outdated app design and layout

**Reported bugs**

- Account transfer functionality not working
- Credit card transaction details not showing
- Frequent login issues and security questions
- Mobile check deposit not always working

**Requested features**

- Add Zelle integration
- Expand ATM network
- Improve app design and layout
- Add note feature for transfers
- Implement Face ID/Touch ID login


### TCDRS

[App page](https://appshunter.io/ios/app/tcdrs/id6745794430)

Manage your retirement savings and benefits securely from your mobile device. Track your account balance, estimate future payments, and update personal information. Designed for both active members and retirees to stay connected to their financial future.

**Highlights:** View account balance and transaction history, Estimate monthly retirement benefits, Apply for retirement or withdrawals, Manage beneficiaries, Update contact information, Access annual statements, Track retirement payments

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is HPCU Mobile Banking free?

HPCU Mobile Banking is free to download, with no in-app purchases.

### Is TCDRS free?

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

### Which has better reviews, HPCU Mobile Banking or TCDRS?

TCDRS is rated higher. HPCU Mobile Banking averages 4.9 out of 5 from 6.8K ratings, while TCDRS averages 5.0 from 4 ratings.

### Do HPCU Mobile Banking or TCDRS have ads?

HPCU Mobile Banking shows ads; TCDRS does not.

### Which is updated more often, HPCU Mobile Banking or TCDRS?

HPCU Mobile Banking ships an update monthly, and TCDRS every 2 days. Most recently, HPCU Mobile Banking was updated on September 25, 2026 and TCDRS on July 5, 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.*