Comparison

CentralMOBILE vs UK Credit Union

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

UK Credit Union

Manage your finances on the go with this mobile banking application. Easily check balances, view transaction history, and transfer funds between accounts. You can also pay bills and deposit checks remotely for ultimate convenience.

Highlights
  • Check account balances
  • View transaction history
  • Transfer funds
  • Pay loans
  • Remote check deposit
  • Pay bills
Features
Read full description

UK Credit Union Mobile Banking allows you to access your accounts anytime, anywhere! You can check balances, view transaction history, transfer funds and pay loans! With mobile banking, you can do your banking when it’s convenient for you. Features include: - Check Balances - View Transaction History - Transfer Funds - Pay Loans - Remote Deposit Checks - Pay Bills *Standard mobile web fees may apply. Please contact your mobile carrier for more information.

Screenshots

CentralMOBILE4 screens
UK Credit Union4 screens

Verdict

The call

The clearest difference is ads: UK Credit Union at none against CentralMOBILE's shown. UK Credit Union also leads on review sentiment (70% vs 37%) and monetization model (free vs free with in-app purchases). On price, rating, ratings volume 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

On the App Store both sit at effectively the same score — 4.8 for CentralMOBILE against 4.7 for UK Credit Union. Both are backed by a comparable volume of ratings — 4.7K and 6.3K respectively. Written reviews are what separate them: 37% of CentralMOBILE's written reviews are positive against 70% of UK Credit Union's.

UpkeepUpdate frequency

CentralMOBILE ships an update every 3 months, UK Credit Union every 2 months. Both last shipped on November 11, 2026.

Scorecard4 real differences · 6 level
CentralMOBILE versus UK Credit Union: the parameters behind the verdict, then further details
ParameterCentralMOBILEUK Credit Union
PriceFreeFree
Rating4.8 (4.7K ratings) — better4.7 (6.3K ratings)
Positive reviews37.3% of reviews70.1% of reviews — better
Number of ratings4.7K6.3K — better
Update frequencyEvery 3 monthsEvery 2 months — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, Apple Watch
Requires iOS15.0 — better16.0
Further details — not scored
Size112 MB64 MB
Age rating4+4+
DeveloperCENTRAL BANK & TRUST COMPANYUniversity of Kentucky Federal Credit Union

Customer experience

CentralMOBILE

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

UK Credit Union

All ratings6,070 ratings
Positive93.3%
Neutral2.7%
Negative4.0%
Written reviews402 reviews
Positive70.1%
Neutral6.2%
Negative23.6%

User reviews

CentralMOBILE

From 4.7K App Store ratings

What we love

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

Room to improve

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

UK Credit Union

From 6.3K App Store ratings

What we love

  • 👍 User-friendly
  • 🚀 Easy to navigate
  • 🔒 Secure banking
  • 💡 Great features
  • 🤝 Excellent customer service

Room to improve

  • 🐛 Bugs and glitches
  • 🔍 Difficult to find certain features
  • 🔄 Slow performance
  • 🔒 Security issues with login
  • 💰 Lack of certain banking functions

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

UK Credit Union

Reported bugs

5 issues
  • App crashes frequently
  • Login issues and account lockouts
  • Mobile deposit not working
  • Inconsistent app performance
  • Syncing problems between app and website

Requested features

5 requests
  • Add mobile check deposit
  • Improve credit card payment functionality
  • Provide more customization options
  • Integrate with external accounts
  • Enhance transaction history and reporting

In-app purchases

None

CentralMOBILE

No in-app purchases

None

UK Credit Union

No in-app purchases

Questions

Is CentralMOBILE free?
CentralMOBILE is free to download, with no in-app purchases.
Is UK Credit Union free?
UK Credit Union is free to download, with no in-app purchases.
Which has better reviews, CentralMOBILE or UK Credit Union?
CentralMOBILE is rated higher. CentralMOBILE averages 4.8 out of 5 from 4.7K ratings, while UK Credit Union averages 4.7 from 6.3K ratings.
Do CentralMOBILE or UK Credit Union have ads?
CentralMOBILE shows ads; UK Credit Union does not.
Which is updated more often, CentralMOBILE or UK Credit Union?
CentralMOBILE ships an update every 3 months, and UK Credit Union every 2 months. Most recently, CentralMOBILE was updated on November 11, 2026 and UK Credit Union on November 11, 2026.

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