Comparison

CBO Mobile vs HomeTown Mobile

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

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.

Highlights
  • Check account balances
  • Review recent transactions
  • Transfer funds between accounts
  • Deposit a check
  • View and pay bills
Features
Read full description

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

CBO Mobile4 screens
HomeTown Mobile4 screens

Verdict

The call

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

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 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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on September 17, 2026 and September 23, 2026 respectively.

Scorecard3 real differences · 7 level
CBO Mobile versus HomeTown Mobile: the parameters behind the verdict, then further details
ParameterCBO MobileHomeTown Mobile
PriceFreeFree
Rating4.8 (139 ratings)4.8 (1.3K ratings)
Positive reviews100.0% of reviews — better87.5% of reviews
Number of ratings1391.3K — better
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supported — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.418.4
Further details — not scored
Size177 MB177 MB
Age rating4+12+
DeveloperCommunity Bank OwatonnaHOME TOWN FEDERAL CREDIT UNION

Customer experience

CBO Mobile

All ratings139 ratings
Positive97.1%
Neutral0.7%
Negative2.2%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

HomeTown Mobile

All ratings1,336 ratings
Positive95.1%
Neutral1.8%
Negative3.1%
Written reviews8 reviews
Positive87.5%
Neutral0.0%
Negative12.5%

In-app purchases

None

CBO Mobile

No in-app purchases

None

HomeTown Mobile

No in-app purchases

Questions

Is CBO Mobile free?
CBO Mobile is free to download, with no in-app purchases.
Is HomeTown Mobile free?
HomeTown Mobile is free to download, with no in-app purchases.
Which has better reviews, CBO Mobile or HomeTown Mobile?
CBO Mobile and HomeTown Mobile are both rated 4.8 out of 5 on the App Store, from 139 and 1.3K ratings respectively.
Do CBO Mobile or HomeTown Mobile have ads?
Neither CBO Mobile nor HomeTown Mobile shows ads.
Which is updated more often, CBO Mobile or HomeTown Mobile?
CBO Mobile ships an update monthly, and HomeTown Mobile monthly. Most recently, CBO Mobile was updated on September 17, 2026 and HomeTown Mobile on September 23, 2026.

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