# 3Rivers Mobile Banking vs GhostLedger

The clearest difference is price: 3Rivers Mobile Banking at Free against GhostLedger's $9.99. 3Rivers Mobile Banking also leads on ratings volume (20K vs 1) and iOS requirement (16.0 vs 18.0). GhostLedger's advantage is review sentiment (100% vs 77%) and rating (5.0 vs 4.8). On update cadence, ads, in-app purchases and device support there is nothing between them.

3Rivers Mobile Banking is free to download; GhostLedger costs $9.99 up front. Neither carries in-app purchases, so what you see is what you pay.

GhostLedger holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: 3Rivers Mobile Banking has 20K ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 77% of 3Rivers Mobile Banking's written reviews are positive against 100% of GhostLedger's.

3Rivers Mobile Banking ships an update monthly, GhostLedger every 4 weeks. The most recent releases landed on October 17, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | 3Rivers Mobile Banking | GhostLedger |
| --- | --- | --- |
| Price | **Free** | $9.99 |
| Rating | [4.8 (20K ratings)](https://appshunter.io/ios/app/3rivers-mobile-banking/id998643016/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/ghostledger/id6747046603/reviews)** |
| Number of ratings | **20K** | 1 |
| Positive reviews | 76.8% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 4 weeks** |
| Monetization | **Free** | Paid |
| Size | 183 MB | 11 MB |
| Requires iOS | **16.0** | 18.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Three Rivers FCU](https://appshunter.io/developer/345658767) | [Matthew Elliott](https://appshunter.io/developer/1815549651) |

## 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


### GhostLedger

[App page](https://appshunter.io/ios/app/ghostledger/id6747046603)

Effortlessly manage your finances by scanning receipts, detecting hidden charges, and gaining AI-powered insights. Organize transactions, set budgets, and visualize your financial goals with customizable themes. Your financial data remains private and secure on-device.

**Highlights:** Receipt scanning with OCR, Ghost charge detection, AI financial insights, Bank statement import, Transaction tracking and filtering, Budget and goal setting, Customizable themes

**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 GhostLedger free?

GhostLedger costs $9.99, with no in-app purchases.

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

GhostLedger is rated higher. 3Rivers Mobile Banking averages 4.8 out of 5 from 20K ratings, while GhostLedger averages 5.0 from 1 ratings.

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

Neither 3Rivers Mobile Banking nor GhostLedger shows ads.

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

3Rivers Mobile Banking ships an update monthly, and GhostLedger every 4 weeks. Most recently, 3Rivers Mobile Banking was updated on October 17, 2026 and GhostLedger on October 12, 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.*