Comparison

CentralMOBILE vs Members Heritage CU

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

Head to head
About

CentralMOBILE

Manage your bank accounts on the go with this mobile banking app. Deposit checks, pay bills, transfer funds, and find nearby branches or ATMs. Access Zelle for fast, secure money transfers to friends and family.

Highlights
  • Mobile check deposit
  • View account balances and transactions
  • Transfer funds between accounts
  • Pay bills and manage payments
  • Send money with Zelle
  • Find bank branches and ATMs
Features
Read full description

Securely bank wherever and whenever you want with CentralMOBILE from Central Bank. Available for free to all Central Bank CentralNET customers, CentralMOBILE allows you to deposit checks, pay bills, view account activity, find locations and more. REGISTER - To use CentralMOBILE, you must first be enrolled in CentralNET online banking. To use the CentralMOBILE APP, simply download the APP, to use the browser you will need to register your device in CentralNET to receive the browser address and an activation code. FEATURES: MOBILE CHECK DEPOSIT - Snap photos of checks and deposit them right from your smartphone. Just sign the back snap, and send. CHECK BALANCES – See your latest checking and savings account balances and recent transactions. TRANSFER FUNDS - Easily transfer cash between your eligible Central Bank accounts. PAY BILLS - Make one-time payments from anywhere and change or cancel pending payments you have entered through CentralMOBILE or CentralNET online banking. ACCESS TO ZELLE® – Provides a fast, safe and easy way to send money to those you know and trust.* Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply. *Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle FIND LOCATIONS - Find nearby Central Bank branches and ATMs using the iPhone's built-in GPS. Additionally, you can search by Zip code or address. www.centralbank.com Central Bank & Trust Co. is a wholly owned subsidiary of Central Bancshares, Lexington, Kentucky.

About

Members Heritage CU

Manage your finances conveniently from your mobile device. This app allows you to check balances, view transactions, transfer funds, and deposit checks remotely. It also provides location services for ATMs and branches, with robust security features to protect your information.

Highlights
  • Check account balances
  • View transaction history
  • Transfer money
  • Mobile check deposit
  • Locate ATMs and branches
  • Secure login
Features
Read full description

MEMBERS HERITAGE CREDIT UNION MOBILE BANKING APP Bank on the go with the Members Heritage Credit Union Mobile Banking App. Manage your accounts from your mobile phone when it’s convenient for you. FEATURES: The Members Heritage Credit Union Mobile Banking App is fast, convenient and free and allows users to: • Check account balances • See recent activity • View transaction history • Transfer money between accounts both within MHCU and other financial institutions • Locate and get directions to ATM and branch locations using GPS • Deposit checks by taking a picture of the front and back of the check REGISTER: • To use the MHCU Mobile Banking App, click on the link to enroll if you are a first-time user. If you are an existing home banking user, log in using your username and password. SECURITY: Members Heritage Credit Union protects your financial information from unauthorized users using: • Secure login with username and password or biometrics • No transmission of complete account numbers [Federally Insured by NCUA]

Screenshots

CentralMOBILE4 screens
Members Heritage CU4 screens

Verdict

The call

The clearest difference is ads: Members Heritage CU at none against CentralMOBILE's shown. Members Heritage CU also leads on monetization model (free vs free with in-app purchases). On price, rating, review sentiment and ratings volume 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

On the App Store both sit at effectively the same score — 4.8 for CentralMOBILE against 4.8 for Members Heritage CU. Both are backed by a comparable volume of ratings — 4.7K and 2.2K respectively. Written reviews are what separate them: 37% of CentralMOBILE's written reviews are positive against 45% of Members Heritage CU's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 months. Both last shipped on November 6, 2026.

Scorecard2 real differences · 8 level
CentralMOBILE versus Members Heritage CU: the parameters behind the verdict, then further details
ParameterCentralMOBILEMembers Heritage CU
PriceFreeFree
Rating4.8 (4.7K ratings)4.8 (2.2K ratings) — better
Positive reviews37.3% of reviews44.8% of reviews — better
Number of ratings4.7K — better2.2K
Update frequencyEvery 3 monthsEvery 3 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better16
Further details — not scored
Size112 MB28 MB
Age rating4+4+
DeveloperCENTRAL BANK & TRUST COMPANYMembers Heritage Credit Union, Inc.

Customer experience

CentralMOBILE

All ratings4,326 ratings
Positive95.2%
Neutral1.5%
Negative3.3%
Written reviews83 reviews
Positive37.3%
Neutral4.8%
Negative57.8%

Members Heritage CU

All ratings2,226 ratings
Positive96.5%
Neutral1.8%
Negative1.8%
Written reviews29 reviews
Positive44.8%
Neutral10.3%
Negative44.8%

Bugs and requests

CentralMOBILE

Reported bugs

3 issues
  • App incompatibility with iOS 16
  • Persistent login and connectivity problems
  • Inconsistent Face ID/Touch ID functionality

Requested features

3 requests
  • Ability to view transaction details and receipts
  • Improved account management features
  • Seamless integration with newer iOS versions

Members Heritage CU

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

CentralMOBILE

No in-app purchases

None

Members Heritage CU

No in-app purchases

Questions

Is CentralMOBILE free?
CentralMOBILE is free to download, with no in-app purchases.
Is Members Heritage CU free?
Members Heritage CU is free to download, with no in-app purchases.
Which has better reviews, CentralMOBILE or Members Heritage CU?
Members Heritage CU is rated higher. CentralMOBILE averages 4.8 out of 5 from 4.7K ratings, while Members Heritage CU averages 4.8 from 2.2K ratings.
Do CentralMOBILE or Members Heritage CU have ads?
CentralMOBILE shows ads; Members Heritage CU does not.
Which is updated more often, CentralMOBILE or Members Heritage CU?
CentralMOBILE ships an update every 3 months, and Members Heritage CU every 3 months. Most recently, CentralMOBILE was updated on November 6, 2026 and Members Heritage CU on November 6, 2026.

Other comparisons