# HCU Mobile vs Florence Bank

HCU Mobile and Florence Bank both sit at 4.8 stars, but that hides the real split: 53% of Florence Bank's written reviews are positive against 32% of HCU Mobile's. On price, rating, ratings volume and update cadence 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 HCU Mobile against 4.8 for Florence Bank. Both are backed by a comparable volume of ratings — 1.4K and 3.4K respectively. Written reviews are what separate them: 32% of HCU Mobile's written reviews are positive against 53% of Florence Bank's.

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

## The numbers

| Metric | HCU Mobile | Florence Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.4K ratings)](https://appshunter.io/ios/app/hcu-mobile/id960850975/reviews)** | [4.8 (3.4K ratings)](https://appshunter.io/ios/app/florence-bank/id976178936/reviews) |
| Number of ratings | 1.4K | **3.4K** |
| Positive reviews | 32.0% of reviews | **53.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | Free | Free |
| Size | 106 MB | 108 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Holyoke Credit Union](https://appshunter.io/developer/960850974) | [Florence Bank](https://appshunter.io/developer/581550510) |

## What reviewers say

### HCU Mobile

[App page](https://appshunter.io/ios/app/hcu-mobile/id960850975)

Manage your finances on the go with this app. Access all your accounts, deposit checks, make transfers, pay bills, and monitor your credit score. Enjoy quick and secure access with biometric login and enhanced navigation for easy financial management.

**Highlights:** Account management, Mobile check deposit, Fund transfers, Bill payment, Credit score monitoring, Biometric login

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to navigate
- 👍 Simple and easy transactions
- 🚀 Convenient mobile access

**What reviewers complain about**

- 🐛 App crashes and logs users out
- 🐛 Login issues with fingerprint/facial recognition
- 🐛 Frequent app updates causing disruptions
- 🐛 Unreliable performance and loading issues

**Reported bugs**

- App crashes and freezes
- Login issues with fingerprint/facial recognition
- Frequent app updates causing disruptions

**Requested features**

- Notify customers before app updates
- Improve login and authentication experience
- Provide more stability and reliability


### Florence Bank

[App page](https://appshunter.io/ios/app/florence-bank/id976178936)

Manage your finances on the go with this mobile banking app. Access accounts, deposit checks, make transfers, pay bills, and set up alerts. Enjoy quick and secure access with biometric login options.

**Highlights:** Account monitoring, Check deposit via photo, Fund transfers, Bill payment management, Account alerts, Biometric login

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient banking app
- 🚀 Efficient and easy to use
- 🔒 Secure with fingerprint/face recognition
- 💯 Excellent customer service

**What reviewers complain about**

- 🐛 Frequent crashes and login issues
- 🔍 Difficult to navigate and use
- ⏱️ Slow performance and long loading times
- 🔒 Touch ID/Face ID not working consistently

**Reported bugs**

- App freezing and crashing after updates
- Login screen not loading or timing out
- Mobile deposit feature not functioning properly

**Requested features**

- Improved mobile deposit functionality
- Ability to view and manage scheduled transfers
- More intuitive and modern user interface design


## Frequently asked questions

### Is HCU Mobile free?

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

### Is Florence Bank free?

Florence Bank is free to download, with no in-app purchases.

### Which has better reviews, HCU Mobile or Florence Bank?

HCU Mobile is rated higher. HCU Mobile averages 4.8 out of 5 from 1.4K ratings, while Florence Bank averages 4.8 from 3.4K ratings.

### Do HCU Mobile or Florence Bank have ads?

Neither HCU Mobile nor Florence Bank shows ads.

### Which is updated more often, HCU Mobile or Florence Bank?

HCU Mobile ships an update every 3 months, and Florence Bank every 3 months. Most recently, HCU Mobile was updated on November 6, 2026 and Florence Bank 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.*