# CentralMOBILE vs Members Heritage CU

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.

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 — 4.8 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.

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

## The numbers

| Metric | CentralMOBILE | Members Heritage CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (4.7K ratings)](https://appshunter.io/ios/app/centralmobile/id843426026/reviews) | **[4.8 (2.2K ratings)](https://appshunter.io/ios/app/members-heritage-cu/id1457338065/reviews)** |
| Number of ratings | **4.7K** | 2.2K |
| Positive reviews | 37.3% of reviews | **44.8% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 112 MB | 28 MB |
| Requires iOS | **15.0** | 16 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CENTRAL BANK & TRUST COMPANY](https://appshunter.io/developer/456741914) | [Members Heritage Credit Union, Inc.](https://appshunter.io/developer/867813307) |

## What reviewers say

### CentralMOBILE

[App page](https://appshunter.io/ios/app/centralmobile/id843426026)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Helpful customer service
- 💡 Useful mobile deposit feature
- 🚀 Smooth app experience when working

**What reviewers complain about**

- 🐛 Frequent app crashes and login issues
- ⚠️ Unreliable app performance and availability
- 🔍 Lack of transparency around maintenance and downtime

**Reported bugs**

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

**Requested features**

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


### Members Heritage CU

[App page](https://appshunter.io/ios/app/members-heritage-cu/id1457338065)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

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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.*