FMFCU Mobile App vs PennCU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FMFCU Mobile App
Manage your finances conveniently from your mobile device. Check balances, transfer funds, deposit checks remotely, pay bills, and track spending. This app offers 24/7 access to your accounts, helping you stay on top of your money wherever you are.
- Check account balances
- Make fund transfers
- Deposit checks remotely
- Send money (P2P)
- Pay bills
- Track recent activity and search transactions
- Set budgets and manage cash flow
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Bank wherever you are with FMFCU Mobile Banking! Check balances, make transfers, deposit checks, send money with Person-to-Person (P2P), deposit checks, pay bills, link external accounts, and more... all while you’re on the go! With iPhone or iPad in hand, you can take care of your finances 24/7. - Want to check a balance? Simple. - Need to transfer funds right away? No problem. - Need to pay a bill? Absolutely. - Forgot what you spent yesterday? Look at your recent activity. Or search transactions by date or amount. - Need to deposit a check? No need to head to the branch. Use AnytimeDeposit to take a picture of your check and submit. - Want to set budgets and figure our your cash flow? We have the tools to help. For more information, go to fmfcu.org/mobile
PennCU
Manage your finances conveniently from your mobile device. Check balances, review transactions, transfer funds between accounts, and pay bills on the go. Requires enrollment in online banking.
- Check account balances
- Review recent transactions
- Transfer funds between accounts
- View and pay bills
- Secure access to accounts
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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 • View and pay bills (you must be enrolled in bill pay within online banking) You need to be enrolled in Online Banking to use this app. To enroll, visit our website or any location. Mobile banking is free to access, but messaging and data rates may apply. Federally insured by the NCUA.
Screenshots
Verdict
FMFCU Mobile App and PennCU both sit at 4.7 stars, but that hides the real split: 90% of FMFCU Mobile App's written reviews are positive against 50% of PennCU's. FMFCU Mobile App also leads on ratings volume (4.5K vs 130) and monetization model (free vs ad-supported). 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.
PennCU holds the better App Store score, 4.8 against 4.7. That said, the two scores are not equally well evidenced: FMFCU Mobile App has 4.5K ratings behind it against 130, so its average is the more settled of the two. Written reviews complicate that: 90% of FMFCU Mobile App's written reviews are positive against 50% of PennCU's, so the app with the better star average is not the one people write more warmly about.
FMFCU Mobile App ships an update every 4 months, PennCU every 5 months. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.
| Parameter | FMFCU Mobile App | PennCU |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (4.5K ratings) | 4.8 (130 ratings) — better |
| Positive reviews | 89.9% of reviews — better | 50.0% of reviews |
| Number of ratings | 4.5K — better | 130 |
| Update frequency | Every 4 months — better | Every 5 months |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 42 MB | 113 MB |
| Age rating | 4+ | 4+ |
| Developer | Franklin Mint Federal Credit Union | Penn Federal Credit Union |
Customer experience
FMFCU Mobile App
PennCU
Bugs and requests
FMFCU Mobile App
Reported bugs
5 issues- Login screen freezes
- Incompatible with older devices
- Accounts displayed in wrong order
- Check deposit errors
- Frequent crashes or freezes
Requested features
6 requests- Dark mode option
- Ability to turn debit card on/off
- Improved bill pay interface
- More customization options
- Biometric login support
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- Advanced budgeting tools
PennCU
Not enough reviews yet to summarise bugs or requests.
In-app purchases
FMFCU Mobile App
No in-app purchases
PennCU
No in-app purchases
Questions
Is FMFCU Mobile App free?
Is PennCU free?
Which has better reviews, FMFCU Mobile App or PennCU?
Do FMFCU Mobile App or PennCU have ads?
Which is updated more often, FMFCU Mobile App or PennCU?
Other comparisons
