# American First Mobile vs U

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.

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.

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.

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

## The numbers

| Metric | American First Mobile | U |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (2.1K ratings)](https://appshunter.io/ios/app/american-first-mobile/id987945563/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/u-own/id6754340842/reviews)** |
| Number of ratings | **2.1K** | 2 |
| Positive reviews | 56.4% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Weekly** |
| Monetization | **Ad-supported** | Freemium |
| Size | 179 MB | 75 MB |
| Requires iOS | 16.0 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [American First Credit Union](https://appshunter.io/developer/539450392) | [V-Projectz](https://appshunter.io/developer/1847942543) |

## What reviewers say

### American First Mobile

[App page](https://appshunter.io/ios/app/american-first-mobile/id987945563)

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 👍 Great interface
- 🚀 Stable and reliable
- 💰 Excellent rates
- 👍 Friendly and helpful staff

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Zelle feature not working
- 🐛 Accounts page not showing balances
- 🔒 Security concerns after update
- 🕰️ Inconvenient scheduled maintenance

**Reported bugs**

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

**Requested features**

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


### U

[App page](https://appshunter.io/ios/app/u-own/id6754340842)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Silver Monthly Subscription | $1.99 | per month |
| Silver Yearly Subscription | $15.99 | per year |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*