Comparison

American First Mobile vs U

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

Head to head
About

American First Mobile

Manage your finances securely and conveniently with this mobile banking app. Access account balances, deposit checks, pay bills, and transfer funds anytime, anywhere. Receive instant alerts for account activity.

Highlights
  • View account balances and transactions
  • Mobile check deposit
  • Bill pay management
  • Money transfers between accounts
  • Instant account activity alerts
  • Advanced security features
Features
Read full description

Introducing the new and improved American First Mobile App, designed to offer you seamless, secure, and convenient access to your finances anytime, anywhere. Exclusively for our valued Credit Union members, this new app comes packed with advanced security features and cutting-edge technology to ensure your banking is always safe and efficient. Key features of the American First Mobile App: • View Account Balances and Transactions: Stay on top of your finances with real-time updates. • Mobile Check Deposit: Deposit checks easily using your phone's camera. • Bill Pay: Manage and pay your bills quickly and securely. • Money Transfers: Effortlessly transfer funds between your accounts. • Instant Alerts: Receive notifications about account activity. Experience the convenience of mobile banking with American First. Our app is designed to make your banking experience easy, secure, and accessible from the palm of your hand. Download the American First Mobile App today and take control of your financial future!

About

U

Manage personal debts and loans with this intuitive application. Track what you owe and what others owe you, organize finances with categories and due dates, and stay on top of payments. It offers offline functionality with optional cloud backup and real-time friend notifications.

Highlights
  • Track debts easily
  • Organize finances with categories
  • Offline functionality
  • Optional cloud backup
  • Friend notifications
  • Stay on top of payments
Features
Read full description

U-Own – Smart Debt Tracker Take control of your finances with U-Own, a simple and intuitive debt management app. Track what you owe and what others owe you, and never lose sight of your personal loans again. Features: * Track Debts Easily – Add and manage personal debts and loans with a few taps. * Organize Your Finances – Categorize debts, add notes, and set due dates for better clarity. * Offline First – U-Own works without an internet connection, so you can manage your debts anytime, anywhere. * Optional Cloud Backup – Choose to log in to securely back up your data and sync across devices, or stay fully offline if you prefer. * Connect with Friends – When logged in, add debts involving friends and they receive notifications automatically, keeping everyone updated in real-time. * Stay On Top of Payments – Know who owes you and when, so you can plan accordingly. * Privacy-Focused – Your data stays private. No personal data is shared without consent. * Quick & Intuitive – Designed for simplicity and speed, so managing debts is effortless. Whether it’s borrowing from friends, lending to family, or tracking small personal loans, U-Own helps you stay organized and in control of your money. Download U-Own today and take the stress out of personal debt management!

Screenshots

American First Mobile4 screens
U4 screens

Verdict

The call

American First Mobile and U both sit at 4.9 stars, but that hides the real split: 100% of U's written reviews are positive against 56% of American First Mobile's. U also leads on update cadence (weekly vs monthly). American First Mobile's advantage is in-app purchases (none vs 2) and ratings volume (2.1K vs 2). On price, rating, ads and device support 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. U sells 2 in-app purchases, starting at $1.99 per month. American First Mobile asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for American First Mobile against 5.0 for U. That said, the two scores are not equally well evidenced: American First Mobile has 2.1K ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 56% of American First Mobile's written reviews are positive against 100% of U's.

UpkeepUpdate frequency

American First Mobile ships an update monthly, U weekly. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
American First Mobile versus U: the parameters behind the verdict, then further details
ParameterAmerican First MobileU
PriceFreeFree
Rating4.9 (2.1K ratings)5.0 (2 ratings) — better
Positive reviews56.4% of reviews100.0% of reviews — better
Number of ratings2.1K — better2
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationAd-supported — betterFreemium
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.015.6 — better
Further details — not scored
Size179 MB75 MB
Age rating4+4+
DeveloperAmerican First Credit UnionV-Projectz

Customer experience

American First Mobile

All ratings2,045 ratings
Positive97.2%
Neutral1.5%
Negative1.4%
Written reviews78 reviews
Positive56.4%
Neutral6.4%
Negative37.2%

U

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

American First Mobile

Reported bugs

4 issues
  • Login credentials not validating
  • Transactions not showing up
  • Inability to access accounts during maintenance
  • Incompatibility with older devices

Requested features

4 requests
  • Bring back Zelle integration
  • Improve account management and visibility
  • Enhance mobile app experience
  • Provide better communication during updates

U

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

American First Mobile

No in-app purchases

2 purchases

U

Subscriptions2
  • Silver Monthly Subscription$1.991 Month
  • Silver Yearly Subscription$15.991 Year

Questions

Is American First Mobile free?
American First Mobile is free to download, with no in-app purchases.
Is U free?
U is free to download, with in-app purchases available.
Which has better reviews, American First Mobile or U?
U is rated higher. American First Mobile averages 4.9 out of 5 from 2.1K ratings, while U averages 5.0 from 2 ratings.
Do American First Mobile or U have ads?
Neither American First Mobile nor U shows ads.
Which is updated more often, American First Mobile or U?
American First Mobile ships an update monthly, and U weekly. Most recently, American First Mobile was updated on October 26, 2026 and U on October 24, 2026.

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