# 3Rivers Mobile Banking vs HCPFCU

The clearest difference is ratings volume: 3Rivers Mobile Banking at 20K against HCPFCU's 17. 3Rivers Mobile Banking also leads on update cadence (monthly vs every 5 months) and rating (4.8 vs 4.5). HCPFCU's advantage is review sentiment (100% vs 77%). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

3Rivers Mobile Banking holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: 3Rivers Mobile Banking has 20K ratings behind it against 17, so its average is the more settled of the two. Written reviews complicate that: 77% of 3Rivers Mobile Banking's written reviews are positive against 100% of HCPFCU's, so the app with the better star average is not the one people write more warmly about.

3Rivers Mobile Banking ships an update monthly, HCPFCU every 5 months. The most recent releases landed on November 6, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | 3Rivers Mobile Banking | HCPFCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (20K ratings)](https://appshunter.io/ios/app/3rivers-mobile-banking/id998643016/reviews)** | [4.5 (17 ratings)](https://appshunter.io/ios/app/hcpfcu/id1449757512/reviews) |
| Number of ratings | **20K** | 17 |
| Positive reviews | 76.8% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 5 months |
| Monetization | Free | Free |
| Size | 184 MB | 33 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Three Rivers FCU](https://appshunter.io/developer/345658767) | [Health Care Professionals Federal Credit Union](https://appshunter.io/developer/1449757511) |

## What reviewers say

### 3Rivers Mobile Banking

[App page](https://appshunter.io/ios/app/3rivers-mobile-banking/id998643016)

Manage your finances on the go with this comprehensive banking app. Deposit checks, view real-time balances, transfer funds, and pay bills. It also offers budgeting tools and card controls for enhanced security and financial management.

**Highlights:** Mobile check deposit, Real-time account balances, Money transfers and loan payments, Bill Pay, Person-to-person payments, Budgeting tools, Card controls, Branch and ATM locator

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient mobile banking
- 💳 Helpful credit card features
- 🤝 Friendly and professional staff
- 🏦 Reliable credit union

**What reviewers complain about**

- 🐛 Frequent app crashes
- 🔍 Difficult to find certain features
- 🕰️ Slow app performance
- 🔒 Frustrating login process
- 💳 Missing credit card transaction details

**Reported bugs**

- Login issues after updates
- External account linking not working
- Inconsistent transaction display
- Scheduled payments not functioning properly

**Requested features**

- Ability to manually add transactions to register
- Improved budgeting and categorization tools
- Integrated card controls within the main app
- Option to check off paid items
- Landscape mode support on iPad


### HCPFCU

[App page](https://appshunter.io/ios/app/hcpfcu/id1449757512)

Manage your finances conveniently on the go with this mobile banking application. Access account information and perform transactions from anywhere. Branches are located in Richmond and Connersville, Indiana.

**Highlights:** On-the-go account management, Quick transaction access, Branch location information, Secure mobile banking

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is 3Rivers Mobile Banking free?

3Rivers Mobile Banking is free to download, with no in-app purchases.

### Is HCPFCU free?

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

### Which has better reviews, 3Rivers Mobile Banking or HCPFCU?

3Rivers Mobile Banking is rated higher. 3Rivers Mobile Banking averages 4.8 out of 5 from 20K ratings, while HCPFCU averages 4.5 from 17 ratings.

### Do 3Rivers Mobile Banking or HCPFCU have ads?

Neither 3Rivers Mobile Banking nor HCPFCU shows ads.

### Which is updated more often, 3Rivers Mobile Banking or HCPFCU?

3Rivers Mobile Banking ships an update monthly, and HCPFCU every 5 months. Most recently, 3Rivers Mobile Banking was updated on November 6, 2026 and HCPFCU on November 2, 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.*