# FSB Now vs FSBU Personal

The clearest difference is monetization model: FSB Now at free against FSBU Personal's free with in-app purchases. FSB Now also leads on review sentiment (63% vs 40%). On price, rating, ratings volume and update cadence there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.7 for FSB Now against 4.7 for FSBU Personal. Both are backed by a comparable volume of ratings — 1.1K and 805 respectively. Written reviews are what separate them: 63% of FSB Now's written reviews are positive against 40% of FSBU Personal's.

Both ship on a similar rhythm, roughly every 3 months. Both last shipped on November 6, 2026.

## The numbers

| Metric | FSB Now | FSBU Personal |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.1K ratings)](https://appshunter.io/ios/app/fsb-now/id1119192297/reviews)** | [4.7 (805 ratings)](https://appshunter.io/ios/app/fsbu-personal/id1455664711/reviews) |
| Number of ratings | **1.1K** | 805 |
| Positive reviews | **63.0% of reviews** | 40.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 100 MB | 125 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Farmers State Bank Marion, IA](https://appshunter.io/developer/1119192296) | [First State Bank of Uvalde](https://appshunter.io/developer/799600419) |

## What reviewers say

### FSB Now

[App page](https://appshunter.io/ios/app/fsb-now/id1119192297)

Manage your finances on the go with this mobile banking application. View balances, deposit checks, transfer funds, and pay bills securely from anywhere. Find branch locations and utilize features like Zelle® setup for easy person-to-person payments.

**Highlights:** View account balances, Mobile check deposit, Funds transfer, Bill Pay, Transaction history, Zelle® setup, Find branch locations

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly and easy to navigate
- 📱 Mobile deposit functionality works well
- 💰 Effective for account tracking and balance checking
- 🔄 Simple transfer and bill payment options
- 🏦 Customized design for FSB brand

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🔐 Persistent login and lockout issues
- ⏳ App hangs and freezes on startup
- 😤 Requires repeated reinstallation
- 🚫 Cannot save username and password

**Reported bugs**

- White screen on app launch
- Face ID authentication fails to open account
- App crashes every few weeks requiring reinstall
- Error occurred message with no clear resolution
- Unexpected logout and inability to log back in

**Requested features**

- Transfer description or title capability
- Improved session management to prevent auto-logout
- Better password recovery process


### FSBU Personal

[App page](https://appshunter.io/ios/app/fsbu-personal/id1455664711)

Manage your bank accounts, view transactions, and transfer funds conveniently from your mobile device. Deposit checks by taking pictures and track your deposit history. Getting started is simple with your existing online banking credentials.

**Highlights:** Check account balances, View recent transactions, Transfer money between accounts, Deposit checks via photo, View deposit history

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

**In-app purchases:** none


## Frequently asked questions

### Is FSB Now free?

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

### Is FSBU Personal free?

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

### Which has better reviews, FSB Now or FSBU Personal?

FSB Now is rated higher. FSB Now averages 4.7 out of 5 from 1.1K ratings, while FSBU Personal averages 4.7 from 805 ratings.

### Do FSB Now or FSBU Personal have ads?

Both FSB Now and FSBU Personal show ads.

### Which is updated more often, FSB Now or FSBU Personal?

FSB Now ships an update every 3 months, and FSBU Personal every 3 months. Most recently, FSB Now was updated on November 6, 2026 and FSBU Personal on November 6, 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.*