Comparison

CardValet vs CityMark FCU

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

Head to head
About

CardValet

Take full control of your debit and credit cards with instant on/off toggles, spending limits, and location-based restrictions. Receive real-time alerts for all transactions, monitor purchases, and manage your cards digitally from your smartphone.

Highlights
  • Turn cards on/off instantly
  • Set spending limits
  • Restrict usage by location
  • Control merchant categories
  • Receive real-time transaction alerts
  • View purchase history
  • Activate cards and set PIN
Features
Read full description

NOTE: This application is powered by Fiserv, Inc. but is activated through specific financial institutions. Check with your financial institution to ensure they participate in CardValet prior to downloading. CardValet helps you efficiently manage your cards digitally. TAKE CONTROL Stay in control of your card. Turn your card ON/OFF, set spending limits, decide where, when and how your card can be used. - Set card to be on or off in an instant, restricting whether it can be used or not - Restrict your card purchases to specific locations (merchants located within a certain range of your phone or select city, state, country or zip code on an expandable interactive map - Select merchant categories (Restaurant, Travel, Entertainment etc.) and transaction types (Instore, eCommerce, ATM etc.) to control purchases on your card - Enable or disable international transactions - Establish spending limits to allow transactions up to a certain dollar value and decline transactions when amounts exceed the thresholds set by you BE ALERT Receive real time alerts on all purchases, select purchases or when a card transaction is attempted but declined. Customize your alert preferences and get notified as per your choice. Alerts are sent in real time, immediately after a transaction has taken place, and help you quickly detect unauthorized activity on your card. VIEW YOUR CARD PURCHASE View your purchases, add memos and tag your purchases for easy tracking. DO IT YOURSELF Mange your card at your fingertips. Activate your card, set card PIN or report your lost/stolen cards seamlessly by making a call from the App. Key Benefits - Receive alerts to monitor transactions and help protect from fraud Actively manage your money and take charge of your card usage - Remotely control and monitor children’s spending - Helps ensure business spending policy compliance

About

CityMark FCU

Manage your finances 24/7 from your mobile device with secure banking features. View account balances, transaction history, transfer funds, and deposit checks remotely. Locate branches and set up account alerts for convenience.

Highlights
  • Account overview and details
  • Check balances and transaction history
  • Transfer funds between accounts
  • Send money via member transfers, bill pay, and wires
  • Mobile check deposit
  • Branch locator
  • Account alerts
Features
Read full description

CityMark Federal Credit Union is with you wherever you go! Now you can manage your finances 24/7 from the convenience of your mobile device. cmfcu Mobile Banking employs the same industry-standard security technologies as our online banking. Account Overview: The Account Overview screen allows you to see all your accounts listed along with their balances. Account Details: Select an account, such as your Checking Account, to view more detailed account information. Check Balances: Click on any of your accounts to check their current balances. Transaction History: Scroll through your history or search for specific transactions. Transfer Funds: Move money between your cmfcu accounts as needed. Send Money: Experience a seamless and secure way of sending money to your friends or businesses though member to member transfers, billpay, and wire transfers. Mobile Deposit: Deposit Checks by taking pictures of the front and back of your endorsed checks. It's really that simple and convenient! Branch Locator: Find the nearest CityMark Federal Credit Union branch. Alerts: Set up alerts for your accounts. Experience the convenience of CityMark Federal Credit Union Mobile Banking today. Download the app and take us with you wherever you go.

Screenshots

CardValet4 screens
CityMark FCU4 screens

Verdict

The call

The clearest difference is review sentiment: CityMark FCU at 100% against CardValet's 19%. CityMark FCU also leads on update cadence (fortnightly vs every 4 months) and rating (4.8 vs 4.6). CardValet's advantage is ratings volume (19K vs 48). On price, ads, in-app purchases and monetization model 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

CityMark FCU holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: CardValet has 19K ratings behind it against 48, so its average is the more settled of the two. Written reviews point the same way: 19% of CardValet's written reviews are positive against 100% of CityMark FCU's.

UpkeepUpdate frequency

CardValet ships an update every 4 months, CityMark FCU fortnightly. The most recent releases landed on November 9, 2026 and November 7, 2026 respectively.

Scorecard4 real differences · 6 level
CardValet versus CityMark FCU: the parameters behind the verdict, then further details
ParameterCardValetCityMark FCU
PriceFreeFree
Rating4.6 (19K ratings)4.8 (48 ratings) — better
Positive reviews18.8% of reviews100.0% of reviews — better
Number of ratings19K — better48
Update frequencyEvery 4 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.1
Further details — not scored
Size86 MB136 MB
Age rating4+4+
DeveloperFiserv, IncCityMark Federal Credit Union

Customer experience

CardValet

All ratings18,749 ratings
Positive89.9%
Neutral3.1%
Negative7.0%
Written reviews133 reviews
Positive18.8%
Neutral12.8%
Negative68.4%

CityMark FCU

All ratings48 ratings
Positive95.8%
Neutral0.0%
Negative4.2%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

CardValet

Reported bugs

3 issues
  • Unable to reset password
  • Inconsistent account syncing
  • Repeated 'too many devices' errors

Requested features

4 requests
  • Balance and spending overview
  • Fingerprint/biometric login
  • Ability to add multiple cards
  • Improved notification system

CityMark FCU

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

CardValet

No in-app purchases

None

CityMark FCU

No in-app purchases

Questions

Is CardValet free?
CardValet is free to download, with no in-app purchases.
Is CityMark FCU free?
CityMark FCU is free to download, with no in-app purchases.
Which has better reviews, CardValet or CityMark FCU?
CityMark FCU is rated higher. CardValet averages 4.6 out of 5 from 19K ratings, while CityMark FCU averages 4.8 from 48 ratings.
Do CardValet or CityMark FCU have ads?
Neither CardValet nor CityMark FCU shows ads.
Which is updated more often, CardValet or CityMark FCU?
CardValet ships an update every 4 months, and CityMark FCU fortnightly. Most recently, CardValet was updated on November 9, 2026 and CityMark FCU on November 7, 2026.

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