Comparison

Deposit Express vs XtraPOWER by PAYOMATIC

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

Head to head
About

Deposit Express

Deposit checks remotely with this mobile banking tool. Designed for U.S. Bank business clients, it allows for quick check deposits without visiting a branch. Secure encryption protects all transmissions.

Highlights
  • Remote check deposit
  • Business banking solution
  • Secure transmissions
  • Easy-to-use interface
  • Smartphone and tablet compatible
Features
Read full description

U.S. Bank Deposit Express is an easy-to-use mobile remote deposit capture solution. In just a few easy steps, you can deposit checks without making a trip to the bank. Please note: You must be a U.S. Bank business client enrolled in Deposit Express to use this mobile application. Before using this application, U.S. Bank must provide you a username and password. For more information about Deposit Express, contact a U.S. Bank Business Banking Specialist at usbank.com/small-business/contact-form.html. The Deposit Express mobile application is free to download. Your mobile carrier may charge access fees depending on your specific plan. Check with your mobile carrier for applicable fees or charges. The U.S. Bank Deposit Express application is supported on Smartphone and tablet devices compatible with iOS versions 9.3 to current. U.S. Bank is committed to protecting your security. No sensitive account information or username and password are ever stored on your mobile device and secure encryption is used to protect all transmissions. Service may be subject to credit approval. Eligibility requirements, other conditions, and fees may apply. Deposit products offered by U.S. Bank National Association. Member FDIC. ©2019 U.S. Bank National Association. All rights reserved.

About

XtraPOWER by PAYOMATIC

Manage your spending and access your funds with this app. Track transactions, view balances, and receive personalized offers. It also facilitates direct deposit for faster access to paychecks and allows for easy money transfers.

Highlights
  • Track spending activity
  • View inPOWER Card transactions
  • Real-time balance checks
  • Share money with others
  • Direct deposit for faster pay
  • Exclusive offers and discounts
  • Email transaction receipts
Features
Read full description

XtraPOWER creates a seamless experience that tracks all of your spending activity with PAYOMATIC. Have immediate access to transactions made in any PAYOMATIC location & on your inPOWER Card. Get personalized offers and discounts based on your activity. Have your PAYOMATIC store transaction receipts emailed to you. Link your inPOWER Card to see every card transaction and real time balance, share money** 24/7 with speed, convenience and security. Set up Direct Deposit to your inPOWER Card and get paid up to 2 days faster!* The XtraPOWER Experience: FULL ACCESS See all of your PAYOMATIC and inPOWER Card activity, anytime, anywhere. SIGN UP FOR DIRECT DEPOSITGet access to your money earlier* when you get direct deposit to your inPOWER Card. CHECK YOUR BALANCESee your current inPOWER Card balance in seconds.SHARE MONEYShare money between your inPOWER Cards, to your bank account or to your friend's inPOWER Card.** GET EXCLUSIVE OFFERS & DISCOUNTS Just open the XtraPOWER app and get your offers. HAVE TRANSACTION RECEIPTS EMAILED Have your PAYOMATIC store transaction receipts, and your inPOWER monthly statement delivered to your inbox. FIND A PAYOMATIC STORE Find New York’s biggest check casher in minutes! * Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds is subject to payer’s support of the feature and timing of payer’s funding. ** Fees may apply. See the Cardholder Agreement for details. The inPOWER Prepaid Mastercard® is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated and may be used everywhere Debit Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Screenshots

Deposit Express4 screens
XtraPOWER by PAYOMATIC4 screens

Verdict

The call

The clearest difference is rating: XtraPOWER by PAYOMATIC at 4.5 against Deposit Express's 2.2. XtraPOWER by PAYOMATIC also leads on update cadence (every 2 months vs every 14 months) and ratings volume (661 vs 27). 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

XtraPOWER by PAYOMATIC holds the better App Store score, 4.5 against 2.2. That said, the two scores are not equally well evidenced: XtraPOWER by PAYOMATIC has 661 ratings behind it against 27, so its average is the more settled of the two.

UpkeepUpdate frequency

Deposit Express ships an update every 14 months, XtraPOWER by PAYOMATIC every 2 months. The most recent releases landed on October 3, 2026 and October 7, 2026 respectively.

Scorecard4 real differences · 6 level
Deposit Express versus XtraPOWER by PAYOMATIC: the parameters behind the verdict, then further details
ParameterDeposit ExpressXtraPOWER by PAYOMATIC
PriceFreeFree
Rating2.2 (27 ratings)4.5 (661 ratings) — better
Positive reviews0.0% of reviews—
Number of ratings27661 — better
Update frequencyEvery 14 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.013.4 — better
Further details — not scored
Size95 MB41 MB
Age rating4+4+
DeveloperU.S. BancorpPAYOMATIC

Customer experience

Deposit Express

All ratings25 ratings
Positive36.0%
Neutral4.0%
Negative60.0%
Written reviews7 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

XtraPOWER by PAYOMATIC

All ratings661 ratings
Positive87.0%
Neutral4.2%
Negative8.8%

Bugs and requests

Deposit Express

Not enough reviews yet to summarise bugs or requests.

XtraPOWER by PAYOMATIC

Reported bugs

4 issues
  • Login screen issues
  • Date of birth entry problems
  • Network errors
  • Force closing on app launch

Requested features

4 requests
  • Mobile check deposit
  • Ability to manage multiple cards
  • Improved date/time picker
  • Support for Apple Pay

In-app purchases

None

Deposit Express

No in-app purchases

None

XtraPOWER by PAYOMATIC

No in-app purchases

Questions

Is Deposit Express free?
Deposit Express is free to download, with no in-app purchases.
Is XtraPOWER by PAYOMATIC free?
XtraPOWER by PAYOMATIC is free to download, with no in-app purchases.
Which has better reviews, Deposit Express or XtraPOWER by PAYOMATIC?
XtraPOWER by PAYOMATIC is rated higher. Deposit Express averages 2.2 out of 5 from 27 ratings, while XtraPOWER by PAYOMATIC averages 4.5 from 661 ratings.
Do Deposit Express or XtraPOWER by PAYOMATIC have ads?
Neither Deposit Express nor XtraPOWER by PAYOMATIC shows ads.
Which is updated more often, Deposit Express or XtraPOWER by PAYOMATIC?
Deposit Express ships an update every 14 months, and XtraPOWER by PAYOMATIC every 2 months. Most recently, Deposit Express was updated on October 3, 2026 and XtraPOWER by PAYOMATIC on October 7, 2026.

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