# VCCU Mobile vs HSA Tracker

The clearest difference is rating: HSA Tracker at 5.0 against VCCU Mobile's 3.9. HSA Tracker also leads on update cadence (every 2 days vs monthly). VCCU Mobile's advantage is in-app purchases (none vs 3) and ratings volume (44 vs 1). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. HSA Tracker sells 3 in-app purchases, starting at $7.00 per year. VCCU Mobile asks for nothing beyond the download.

HSA Tracker holds the better App Store score, 5.0 against 3.9. That said, the two scores are not equally well evidenced: VCCU Mobile has 44 ratings behind it against 1, so its average is the more settled of the two.

VCCU Mobile ships an update monthly, HSA Tracker every 2 days. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | VCCU Mobile | HSA Tracker |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (44 ratings)](https://appshunter.io/ios/app/vccu-mobile/id907580885/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/hsa-tracker-save-on-taxes/id6782635321/reviews)** |
| Number of ratings | **44** | 1 |
| Positive reviews | 18.6% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 days** |
| Monetization | **Free** | Freemium |
| Size | 128 MB | 20 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Ventura County Credit Union](https://appshunter.io/developer/585839405) | [Rosenberg Digital LLC](https://appshunter.io/developer/1896153504) |

## What reviewers say

### VCCU Mobile

[App page](https://appshunter.io/ios/app/vccu-mobile/id907580885)

Manage your finances securely 24/7 with this mobile banking app. Access account balances, pay bills, send and receive money, and deposit checks remotely. It also offers card management, loan applications, and account updates.

**Highlights:** 24/7 account access, Bill payment, Send/receive money with Zelle®, Remote check deposit, Card management, Loan applications

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- ✨ Clean and easy to navigate
- 💳 New features like credit score monitoring
- ✅ Transfers are easy
- 🔒 Offers ease and security
- 💡 Easy to use upgraded app

**What reviewers complain about**

- 😠 Poorest running banking app
- 😠 Awful app to coerce facial recognition
- 😠 Freezes and does not work
- 😠 Forced to login via desktop
- 😠 Constantly trying to coerce digital ID

**Reported bugs**

- App freezes
- App does not work
- App times out
- App errors out
- App is slow

**Requested features**

- Bring back the old app
- Add biometric login
- Add 2 factor authentication
- Add companion app for banking
- Add credit score monitoring


### HSA Tracker

[App page](https://appshunter.io/ios/app/hsa-tracker-save-on-taxes/id6782635321)

Manage your Health Savings Account by tracking medical expenses and receipts. This app helps you maximize tax-free reimbursements and provides a clear overview of your eligible withdrawals.

**Highlights:** Receipt capture (photo/email), Automatic receipt pre-filling, Reimbursement Vault tracking, Expense tracking by family/category, Audit trail for tax time, Annual tax reports (paid plans)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Solo | $7.00 | per year |
| Family | $17.00 | per year |
| Unlimited | $27.00 | per year |


## Frequently asked questions

### Is VCCU Mobile free?

VCCU Mobile is free to download, with no in-app purchases.

### Is HSA Tracker free?

HSA Tracker is free to download, with in-app purchases available.

### Which has better reviews, VCCU Mobile or HSA Tracker?

HSA Tracker is rated higher. VCCU Mobile averages 3.9 out of 5 from 44 ratings, while HSA Tracker averages 5.0 from 1 ratings.

### Do VCCU Mobile or HSA Tracker have ads?

Neither VCCU Mobile nor HSA Tracker shows ads.

### Which is updated more often, VCCU Mobile or HSA Tracker?

VCCU Mobile ships an update monthly, and HSA Tracker every 2 days. Most recently, VCCU Mobile was updated on October 23, 2026 and HSA Tracker on October 24, 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.*