CBO Mobile vs HomeTown Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CBO Mobile
Aggregate all your financial accounts into one view for smarter decision-making. Stay organized with transaction details, alerts, and secure access to your banking information.
- Multi-account aggregation
- Transaction history and spending averages
- Bill and low fund alerts
- Add tags, notes, and images to transactions
- ATM and branch locator
- Bank-level security
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The CBO Mobile App is a free mobile decision-support tool that gives you the ability to aggregate all of your financial accounts, including accounts from other financial institutions, into a single, up-to-the-minute view so you can stay organized and make smarter financial decisions. It is fast, secure and makes life easier by empowering you with the tools you need to manage your personal finances. FEATURES Multi-Account Aggregation: View all of your financial information (balances, transaction history, merchant spending averages) in one place for on-the-go organization. Alerts & Notifications: Set alerts for low funds and be notified about upcoming bills. Add Tags, Notes, Images & Geo-Information: By enhancing transactions with custom tags, notes or photos of a receipt or check, you have the ability to stay organized and find exactly what you’re looking for when searching through your finances. Contact: Locate ATMs or branches and contact Community Bank Owatonna customer service directly from the app. SAFE AND SECURE The app utilizes the same bank-level security that protects you when you’re on Internet Banking. The app also features a unique 4-digit passcode setting that prevents unauthorized access. GETTING STARTED To use the CBO Mobile App, you must be enrolled as an Community Bank Owatonna Internet Banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials. After you successfully login to the app, your accounts and transactions will begin updating.
HomeTown Mobile
Manage your finances conveniently from your mobile device. Access account balances, review transactions, pay bills, and transfer funds securely on the go. Deposit checks directly through the app.
- Check account balances
- Review recent transactions
- Transfer funds between accounts
- Deposit a check
- View and pay bills
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Access your accounts when and where you want right in the palm of your hand. It's fast, secure and free access to your accounts anytime, anywhere. You have access to check your balances, pay bills and transfer money...while you are on the go! Features: Check your account balances Review recent transactions Transfer funds between your accounts Deposit a check View and pay bills Mobile banking is free to access, but messaging and data rates may apply. Federally insured by the NCUA.
Screenshots
Verdict
CBO Mobile and HomeTown Mobile both sit at 4.8 stars, but that hides the real split: 100% of CBO Mobile's written reviews are positive against 88% of HomeTown Mobile's. CBO Mobile also leads on monetization model (ad-supported vs free with in-app purchases). HomeTown Mobile's advantage is ratings volume (1.3K vs 139). On price, rating, update cadence and ads 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
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 — 4.8 for CBO Mobile against 4.8 for HomeTown Mobile. That said, the two scores are not equally well evidenced: HomeTown Mobile has 1.3K ratings behind it against 139, so its average is the more settled of the two. Written reviews are what separate them: 100% of CBO Mobile's written reviews are positive against 88% of HomeTown Mobile's.
Both ship on a similar rhythm, roughly monthly. The most recent releases landed on September 17, 2026 and September 23, 2026 respectively.
| Parameter | CBO Mobile | HomeTown Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (139 ratings) | 4.8 (1.3K ratings) |
| Positive reviews | 100.0% of reviews — better | 87.5% of reviews |
| Number of ratings | 139 | 1.3K — better |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported — better | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18.4 | 18.4 |
| Further details — not scored | ||
| Size | 177 MB | 177 MB |
| Age rating | 4+ | 12+ |
| Developer | Community Bank Owatonna | HOME TOWN FEDERAL CREDIT UNION |
Customer experience
CBO Mobile
HomeTown Mobile
In-app purchases
CBO Mobile
No in-app purchases
HomeTown Mobile
No in-app purchases
Questions
Is CBO Mobile free?
Is HomeTown Mobile free?
Which has better reviews, CBO Mobile or HomeTown Mobile?
Do CBO Mobile or HomeTown Mobile have ads?
Which is updated more often, CBO Mobile or HomeTown Mobile?
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