Comparison

TompkinsBank vs PCNB Mobile

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

Head to head
About

TompkinsBank

Manage all your financial accounts in one place with this secure mobile banking app. Track balances, view transactions, set alerts for bills and low funds, and organize your spending with custom tags and notes. It simplifies personal finance management and provides easy access to bank services.

Highlights
  • Multi-account aggregation
  • Transaction history and spending averages
  • Customizable alerts and notifications
  • Add tags, notes, and images to transactions
  • ATM and branch locator
  • Direct customer care contact
Features
Read full description

The TompkinsBank is a free mobile banking app that gives you the ability to aggregate all of your financial accounts 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: 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 Tompkins Community Bank’s Customer Care Center directly from the app. SAFE AND SECURE The app utilizes the same bank-level security that protects you when you’re on Tompkins Digital Banking for desktop. The app also features a unique 4-digit passcode setting that prevents unauthorized access. GETTING STARTED To use the TompkinsBank App, you must be enrolled as a Tompkins Bank & Trust Digital Banking user. If you currently are a Digital Banking user, simply download the app, launch it, and login with the same credentials. After you successfully login to the app, your accounts and transactions will begin updating.

About

PCNB Mobile

Aggregate all your financial accounts, including those from other institutions, into a single, up-to-the-minute view. Stay organized and make smarter financial decisions with fast, secure tools to manage your personal finances.

Highlights
  • Multi-account aggregation
  • Transaction history and spending averages
  • Customizable alerts and notifications
  • Add tags, notes, and images to transactions
  • ATM and branch locator
  • Direct customer service contact
Features
Read full description

The Putnam County National Bank 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 Putnam County National Bank 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 Putnam County National Bank Mobile App, you must be enrolled as an Putnam County National Bank 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.

Screenshots

TompkinsBank4 screens
PCNB Mobile4 screens

Verdict

The call

The clearest difference is review sentiment: TompkinsBank at 61% against PCNB Mobile's 0%. TompkinsBank also leads on ads (none vs shown) and ratings volume (8.8K vs 48). PCNB Mobile's advantage is monetization model (ad-supported vs free with in-app purchases). On price, update cadence, in-app purchases and device support 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

TompkinsBank holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: TompkinsBank has 8.8K ratings behind it against 48, so its average is the more settled of the two. Written reviews point the same way: 61% of TompkinsBank's written reviews are positive against 0% of PCNB Mobile's.

UpkeepUpdate frequency

TompkinsBank ships an update every 4 weeks, PCNB Mobile monthly. The most recent releases landed on September 23, 2026 and September 6, 2026 respectively.

Scorecard5 real differences · 5 level
TompkinsBank versus PCNB Mobile: the parameters behind the verdict, then further details
ParameterTompkinsBankPCNB Mobile
PriceFreeFree
Rating4.8 (8.8K ratings) — better4.5 (48 ratings)
Positive reviews61.0% of reviews — better0.0% of reviews
Number of ratings8.8K — better48
Update frequencyEvery 4 weeks — betterMonthly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesAd-supported — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.418.4
Further details — not scored
Size180 MB158 MB
Age rating17+4+
DeveloperTompkins Financial CorporationPutnam County National Bank

Customer experience

TompkinsBank

All ratings8,788 ratings
Positive95.8%
Neutral2.0%
Negative2.1%
Written reviews77 reviews
Positive61.0%
Neutral9.1%
Negative29.9%

PCNB Mobile

All ratings48 ratings
Positive85.4%
Neutral2.1%
Negative12.5%
Written reviews3 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

TompkinsBank

Reported bugs

2 issues
  • Mobile deposit issues
  • Login and account access problems

Requested features

2 requests
  • Zelle integration
  • Increased mobile deposit limits

PCNB Mobile

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

TompkinsBank

No in-app purchases

None

PCNB Mobile

No in-app purchases

Questions

Is TompkinsBank free?
TompkinsBank is free to download, with no in-app purchases.
Is PCNB Mobile free?
PCNB Mobile is free to download, with no in-app purchases.
Which has better reviews, TompkinsBank or PCNB Mobile?
TompkinsBank is rated higher. TompkinsBank averages 4.8 out of 5 from 8.8K ratings, while PCNB Mobile averages 4.5 from 48 ratings.
Do TompkinsBank or PCNB Mobile have ads?
PCNB Mobile shows ads; TompkinsBank does not.
Which is updated more often, TompkinsBank or PCNB Mobile?
TompkinsBank ships an update every 4 weeks, and PCNB Mobile monthly. Most recently, TompkinsBank was updated on September 23, 2026 and PCNB Mobile on September 6, 2026.

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