Comparison

Summit Credit Union vs EBCentral

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

Head to head
About

Summit Credit Union

Manage your finances with tools for wealth building and financial security. View all accounts, transfer money, pay bills, and deposit checks. Set goals, monitor spending, and secure your accounts with advanced features.

Highlights
  • Consolidated account view
  • Money transfers
  • Bill pay
  • Mobile check deposit
  • Goal setting and tracking
  • Card security controls
  • Fraud monitoring
Features
Read full description

We’re all about improving your financial life AND how it makes you feel! With our free app full of tools to easily manage your total financial picture, feel more confident and stress-free overall. Summit (and this app!) will help you build wealth and financial security every step of the way. Feel connected · Get a total view of all your Summit accounts. · See all transactions together seamlessly, including credit card purchases. · View all your account activity, balances and statements. Feel in control · Transfer money between your Summit and outside accounts. · Pay bills on the go with Bill Pay built right into the app. · Send money to family and friends – fast and easy with Zelle®. · Schedule one-time and recurring bill payments. · Deposit checks with a fast photo from your phone – easily with mobile deposit. Feel motivated · Set goals and track your progress, monitor spending, get alerts and more. · Create and name sub-savings accounts for different goals to celebrate your progress. · Set credit and debit card spending limits to reach your budget goals. Feel secure · Manage security and balance alerts for your accounts. · Turn debit and credit cards “off” when lost or not in use, and “on” again. · Be alerted fast to potential unauthorized debit and credit card transactions with automatic, ongoing fraud monitoring. · Get advanced security features, like multi-factor authentication on each login. · Use biometric login (face and fingerprint ID) on supported devices Feel supported · Find the closest Summit branch or surcharge-free ATM (lots to choose from!). · Send secure messages to us with questions or anything you need. · Schedule a phone or in-person appointment with us. If you have questions, we’re just a tap away! Visit us at SummitCreditUnion.com for complete details. (Summit Credit Union is based in Wisconsin.)

About

EBCentral

Manage all your benefit accounts, including FSA, HSA, HRA, and commuter benefits, in one convenient app. Track your money, view account activity, submit claims with photos of receipts, and manage your benefits card with real-time notifications.

Highlights
  • Unified benefit account management
  • Track balances and activity
  • Submit claims with receipt photos
  • Manage benefits card
  • Real-time transaction notifications
  • Biometric login
Features
Read full description

EBCentral gives you a clear, simple way to manage all your benefit accounts in one place. Whether you use an FSA, HSA, HRA, or commuter benefits, the app helps you track your money, stay organized, and take action fast. Your Benefits at a Glance Open the app to see your balances, recent activity, important dates, and quick access to the tools you use most. Understand Your Spending Tap into any account to review contributions, purchases, remaining funds, and plan deadlines—everything you need to stay on track throughout the year. Submit Claims Easily Take a photo of your receipt, upload it, and submit. You can follow the status of each claim from start to finish, with most reviewed in 1–2 business days. Manage Your Benefits Card Get instant push notifications when your Benefits Card is used, so you always know what’s happening in real time. If a Benefits Card purchase needs a receipt, you can upload it instantly to keep your account in good standing. Track Deposits and Activity View every deposit, swipe, and reimbursement in one place. Filter your history to quickly find exactly what you’re looking for. Get Help When You Need It Read messages, access helpful resources, or reach out for additional support—all within the app. Strong, Secure Access Use biometric login to keep your information protected EBCentral brings everything together so you can focus less on managing benefits and more on using them.

Screenshots

Summit Credit Union4 screens
EBCentral4 screens

Verdict

The call

Summit Credit Union and EBCentral both sit at 4.8 stars, but that hides the real split: 65% of Summit Credit Union's written reviews are positive against 27% of EBCentral's. Summit Credit Union also leads on ratings volume (41K vs 168). EBCentral's advantage is update cadence (monthly vs every 3 months). On price, rating, 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

On the App Store both sit at effectively the same score — 4.8 for Summit Credit Union against 4.7 for EBCentral. That said, the two scores are not equally well evidenced: Summit Credit Union has 41K ratings behind it against 168, so its average is the more settled of the two. Written reviews are what separate them: 65% of Summit Credit Union's written reviews are positive against 27% of EBCentral's.

UpkeepUpdate frequency

Summit Credit Union ships an update every 3 months, EBCentral monthly. The most recent releases landed on November 11, 2026 and November 3, 2026 respectively.

Scorecard3 real differences · 7 level
Summit Credit Union versus EBCentral: the parameters behind the verdict, then further details
ParameterSummit Credit UnionEBCentral
PriceFreeFree
Rating4.8 (41K ratings) — better4.7 (168 ratings)
Positive reviews64.7% of reviews — better26.7% of reviews
Number of ratings41K — better168
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS16.0 — better17.5
Further details — not scored
Size32 MB40 MB
Age rating4+4+
DeveloperSummit Credit UnionEmployee Benefits Corporation

Customer experience

Summit Credit Union

All ratings38,383 ratings
Positive94.6%
Neutral2.5%
Negative2.9%
Written reviews170 reviews
Positive64.7%
Neutral10.0%
Negative25.3%

EBCentral

All ratings168 ratings
Positive92.3%
Neutral1.8%
Negative6.0%
Written reviews75 reviews
Positive26.7%
Neutral8.0%
Negative65.3%

User reviews

Summit Credit Union

From 41K App Store ratings

What we love

  • 👍 Easy to use app
  • 🚀 Convenient mobile deposit feature
  • 💡 Integrated financial planning tools
  • 🔒 Secure banking experience
  • 👍 Excellent customer service

Room to improve

  • 🐛 Frequent app crashes and freezes
  • 🕰️ Automatic logout after short inactivity
  • 🔍 Lack of customization options
  • 🔀 Difficulty navigating between accounts
  • 💰 Unexpected fees and charges

EBCentral

From 168 App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Fast submission
  • 👍 Clear instructions
  • 🚀 Efficient review
  • 👍 Clean and simple interface

Room to improve

  • 🐛 Login issues
  • 🐛 App crashes
  • 🐛 Blank screens
  • 🐛 Incorrect credentials error
  • 🐛 Face ID issues

Bugs and requests

Summit Credit Union

Reported bugs

5 issues
  • Login issues and account access problems
  • Inconsistent mobile deposit acceptance
  • Syncing errors between app and website
  • Slow app performance and loading times
  • Unreliable push notifications

Requested features

5 requests
  • Ability to customize account order and names
  • Improved mobile check deposit functionality
  • Integration with external financial services
  • Longer inactivity timeout before logout
  • More detailed transaction history and statements

EBCentral

Reported bugs

50 issues
  • Does not show all accounts (e.g., investment accounts)
  • App closes when trying to view activity
  • Next button does not work during claim submission
  • App does not work on iPhone
  • Error message: username or password wrong
Show 45 more
  • Unable to log in, connection error
  • App closes after clicking what to view
  • Transaction activity exits out of the app
  • App stops working, blank screen
  • Screen doesn't go anywhere after entering information
  • Constant document requests for HSA
  • Cannot log in to activate account
  • Logs out every time, does not save login
  • App not functional, login credentials clear
  • Face ID setting defaults to password
  • Not taking credentials for sign in
  • Login is wrong on app, but fine on browser
  • Empty home screen, no transactions visible
  • Claim submission not working correctly
  • Biometric login disabled frequently
  • Photos don't always upload
  • App closes randomly during use
  • Verification codes not verifying
  • App tells you password on website no longer works
  • Password won't work, Face ID won't work
  • App won't show balance or transactions, blank home screen
  • Main screen shows no data after login
  • Profile page displays 'Loading' and never loads
  • App just spins and spins, can't see information
  • App says PW is wrong, but browser works
  • App won't load after issuing new cards
  • 2 factor authentication default button resends code
  • App requires password even after enabling Face ID
  • App can't handle 2 uploaded pictures, closes and freezes
  • App won't log in with correct username and password
  • App gets worse with each update
  • Mobile app gives incorrect username/password error
  • App takes a long time to load or doesn't load at all
  • Old app was better, new app requires login every time
  • App spins and spins to load, blank screen
  • App provides no info, not even balance
  • App no longer works after setting up HealthSafe ID
  • App is unresponsive when submitting a claim
  • App logs into a blank screen, error message for everything
  • App says user or PW incorrect, but browser works
  • All pages are blank after login
  • App keeps telling me account information is wrong
  • App doesn't load, won't let me log in
  • Default button on 2 factor page resends code
  • Face ID never works, requires password

Requested features

3 requests
  • Add option to replace cards
  • Implement dark mode
  • Improve Face ID/biometric login persistence

In-app purchases

None

Summit Credit Union

No in-app purchases

None

EBCentral

No in-app purchases

Questions

Is Summit Credit Union free?
Summit Credit Union is free to download, with no in-app purchases.
Is EBCentral free?
EBCentral is free to download, with no in-app purchases.
Which has better reviews, Summit Credit Union or EBCentral?
Summit Credit Union is rated higher. Summit Credit Union averages 4.8 out of 5 from 41K ratings, while EBCentral averages 4.7 from 168 ratings.
Do Summit Credit Union or EBCentral have ads?
Neither Summit Credit Union nor EBCentral shows ads.
Which is updated more often, Summit Credit Union or EBCentral?
Summit Credit Union ships an update every 3 months, and EBCentral monthly. Most recently, Summit Credit Union was updated on November 11, 2026 and EBCentral on November 3, 2026.

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