# FMFCU Mobile App vs PennCU

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.

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.

## The numbers

| Metric | FMFCU Mobile App | PennCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (4.5K ratings)](https://appshunter.io/ios/app/fmfcu-mobile-app/id1391315260/reviews) | **[4.8 (130 ratings)](https://appshunter.io/ios/app/penncu/id1615967425/reviews)** |
| Number of ratings | **4.5K** | 130 |
| Positive reviews | **89.9% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | **Every 4 months** | Every 5 months |
| Monetization | **Free** | Ad-supported |
| Size | 42 MB | 113 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Franklin Mint Federal Credit Union](https://appshunter.io/developer/470265106) | [Penn Federal Credit Union](https://appshunter.io/developer/1615967427) |

## What reviewers say

### FMFCU Mobile App

[App page](https://appshunter.io/ios/app/fmfcu-mobile-app/id1391315260)

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.

**Highlights:** 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

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🚀 Convenient
- 🚀 Intuitive
- 🚀 Reliable
- 🚀 Secure

**What reviewers complain about**

- 🐛 Occasional login/logout issues
- 🐛 Inconsistent account order
- 🐛 Unreliable check deposit feature
- 🐛 Slow performance at times
- 🐛 Outdated login method

**Reported bugs**

- Login screen freezes
- Incompatible with older devices
- Accounts displayed in wrong order
- Check deposit errors
- Frequent crashes or freezes

**Requested features**

- Dark mode option
- Ability to turn debit card on/off
- Improved bill pay interface
- More customization options
- Biometric login support


### PennCU

[App page](https://appshunter.io/ios/app/penncu/id1615967425)

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.

**Highlights:** Check account balances, Review recent transactions, Transfer funds between accounts, View and pay bills, Secure access to accounts

**In-app purchases:** none


## Frequently asked questions

### Is FMFCU Mobile App free?

FMFCU Mobile App is free to download, with no in-app purchases.

### Is PennCU free?

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

### Which has better reviews, FMFCU Mobile App or PennCU?

PennCU is rated higher. FMFCU Mobile App averages 4.7 out of 5 from 4.5K ratings, while PennCU averages 4.8 from 130 ratings.

### Do FMFCU Mobile App or PennCU have ads?

Both FMFCU Mobile App and PennCU show ads.

### Which is updated more often, FMFCU Mobile App or PennCU?

FMFCU Mobile App ships an update every 4 months, and PennCU every 5 months. Most recently, FMFCU Mobile App was updated on October 29, 2026 and PennCU on October 30, 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.*