Comparison

Novation vs GMSB&GO

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

Head to head
About

Novation

Manage your finances conveniently from your mobile device. Perform banking tasks like checking balances, paying bills, transferring funds, and depositing checks. Locate nearby branches and ATMs, and securely communicate with the bank.

Highlights
  • Manage accounts
  • Pay bills and credit cards
  • Transfer money
  • Deposit checks
  • Find ATMs and branches
  • Send messages
Features
Read full description

Novation’s Mobile App makes it easy for you to bank on the go. Do your banking right from your iPhone or iPad! You can manage your accounts, pay bills, find ATMs and more! Bank with confidence - Novation’s Mobile App allows you to manage accounts from your mobile device...anytime, anywhere. Now it’s easy to do banking 24/7, right from your iPhone or iPad. It’s fast, secure and free. With Novation Mobile, you can: • Check available balances & transaction history • Pay bills and credit cards • Transfer money between Novation accounts • Deposit checks • Find the nearest Novation branches and ATMs • Send us a message To use Novation Mobile, you must be a Novation customer and enrolled in our online banking service. To sign up, go to www.novation.org

About

GMSB&GO

Aggregate all your financial accounts into one secure, easy-to-use platform. Manage transactions, make payments, deposit checks, and set up alerts to stay on top of your finances.

Highlights
  • Aggregate financial accounts
  • Organize transactions with tags and notes
  • Set balance alerts
  • Make payments and transfer money
  • Mobile check deposit
  • Debit card management
  • Find branches and ATMs
Features
Read full description

GMSB&GO is your personal financial advocate that gives you the ability to aggregate all of your financial accounts, including accounts from other banks and credit unions, into a single view. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with GMSB&GO : Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Secure your account with a 4-digit passcode and fingerprint or face reader on supported devices. To use the GMSB&GO app, you must be enrolled as a Grand Marais State Bank digital banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials.

Screenshots

Novation4 screens
GMSB&GO4 screens

Verdict

The call

The clearest difference is update cadence: GMSB&GO at monthly against Novation's every 4 months. GMSB&GO also leads on review sentiment (75% vs 61%). Novation's advantage is ratings volume (763 vs 194). On price, rating, ads and in-app purchases 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

On the App Store both sit at effectively the same score — 4.8 for Novation against 4.8 for GMSB&GO. Both are backed by a comparable volume of ratings — 763 and 194 respectively. Written reviews are what separate them: 61% of Novation's written reviews are positive against 75% of GMSB&GO's.

UpkeepUpdate frequency

Novation ships an update every 4 months, GMSB&GO monthly. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

Scorecard3 real differences · 7 level
Novation versus GMSB&GO: the parameters behind the verdict, then further details
ParameterNovationGMSB&GO
PriceFreeFree
Rating4.8 (763 ratings)4.8 (194 ratings) — better
Positive reviews61.1% of reviews75.0% of reviews — better
Number of ratings763 — better194
Update frequencyEvery 4 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.0 — better18.4
Further details — not scored
Size103 MB197 MB
Age rating4+12+
DeveloperNovation Credit UnionGrand Marais State Bank (INC)

Customer experience

Novation

All ratings760 ratings
Positive95.3%
Neutral2.1%
Negative2.6%
Written reviews18 reviews
Positive61.1%
Neutral5.6%
Negative33.3%

GMSB&GO

All ratings191 ratings
Positive94.8%
Neutral3.1%
Negative2.1%
Written reviews4 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

Bugs and requests

Novation

Reported bugs

6 issues
  • Login system unreliable - frequent authentication failures
  • Check image capture failing repeatedly
  • Credit card statement viewing non-functional
  • Pop-up modal appears repeatedly asking to add card when card already exists
  • Recent transactions view unavailable
Show 1 more
  • eDeposit rear of check capture failing

Requested features

3 requests
  • Shared online check registry for multiple account holders
  • Improved camera sensitivity for check deposits
  • Ability to open and print credit card statements

GMSB&GO

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Novation

No in-app purchases

None

GMSB&GO

No in-app purchases

Questions

Is Novation free?
Novation is free to download, with no in-app purchases.
Is GMSB&GO free?
GMSB&GO is free to download, with no in-app purchases.
Which has better reviews, Novation or GMSB&GO?
GMSB&GO is rated higher. Novation averages 4.8 out of 5 from 763 ratings, while GMSB&GO averages 4.8 from 194 ratings.
Do Novation or GMSB&GO have ads?
Neither Novation nor GMSB&GO shows ads.
Which is updated more often, Novation or GMSB&GO?
Novation ships an update every 4 months, and GMSB&GO monthly. Most recently, Novation was updated on November 6, 2026 and GMSB&GO on November 7, 2026.

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