FNB Waterloo vs Essence Flex Spend
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FNB Waterloo
Manage your bank accounts securely and conveniently from your mobile device. Check balances, view transactions, transfer funds, and deposit checks by taking pictures. Get started easily with your existing online banking credentials.
- Check account balances
- View recent transactions
- Transfer money between accounts
- Deposit checks by snapping a picture
- View deposit history
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Bank conveniently and securely with First National Bank of Waterloo Mobile Banking. Now you can manage your finances anytime, anywhere – from your mobile device. Manage Your Accounts: • Check account balances • View recent transactions, including check images • Transfer money between accounts • Deposit Checks • Deposit checks by snapping a picture of each check • View deposit history in the app Getting started is easy. Simply download the app and sign on with your user credentials. For more information, about First National Bank of Waterloo mobile services, please visit https://www.fnbwaterloo.com or call us at 618-939-6194. *Carrier’s data rates may apply
Essence Flex Spend
Manage your Flex Card on the go with this secure mobile app. Check balances, scan product barcodes for eligibility, and view account summaries. Retrieve forgotten credentials and report lost or stolen cards.
- Secure card management
- Check available balances
- Scan product barcodes for eligibility
- View account summaries
- Retrieve forgotten credentials
- Report lost/stolen cards
- Set notification preferences
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Using your Essence Flex Card just got even easier. With our secure app, you can see and manage your Flex Card details on the go. Features include: Easy, Convenient and Secure ● Follow the instructions found at EverythingEssence.com for login instructions and details. ● No sensitive account information is ever stored on your mobile device. ● Use Touch ID to quickly log in to the mobile app. Connects You with the Details ● Quickly check available balances 24/7. ● Scan product barcodes to determine eligibility. ● View charts summarizing account(s). ● Tap to call or email Essence Customer Service. ● Set notification preferences. Provides Additional Time-Saving Options (if supported or applicable to your account(s)) ● Retrieve your forgotten username or password. ● Report a debit card as lost or stolen. If you have questions, please contact Essence Customer Service at 1-866-597-9560 (TTY: 711) from 8 a.m. to 8 p.m., seven days a week. You may reach a messaging service on weekends from April 1 through September 30 and holidays. Please leave a message, and your call will be returned the next business day. Powered by WEX®
Screenshots
Verdict
The clearest difference is rating: FNB Waterloo at 4.6 against Essence Flex Spend's 1.9. FNB Waterloo also leads on ratings volume (1.2K vs 21) and review sentiment (17% vs 8%). Essence Flex Spend's advantage is ads (none vs shown). On price, update cadence, in-app purchases and monetization model 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.
FNB Waterloo holds the better App Store score, 4.6 against 1.9. That said, the two scores are not equally well evidenced: FNB Waterloo has 1.2K ratings behind it against 21, so its average is the more settled of the two. Written reviews point the same way: 17% of FNB Waterloo's written reviews are positive against 8% of Essence Flex Spend's.
Both ship on a similar rhythm, roughly every 4 months. The most recent releases landed on September 24, 2026 and September 21, 2026 respectively.
| Parameter | FNB Waterloo | Essence Flex Spend |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (1.2K ratings) — better | 1.9 (21 ratings) |
| Positive reviews | 16.7% of reviews — better | 7.7% of reviews |
| Number of ratings | 1.2K — better | 21 |
| Update frequency | Every 4 months | Every 4 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 105 MB | 29 MB |
| Age rating | 4+ | 17+ |
| Developer | First Waterloo Bancshares, Inc. | Essence Healthcare, Inc |
Customer experience
FNB Waterloo
Essence Flex Spend
In-app purchases
FNB Waterloo
No in-app purchases
Essence Flex Spend
No in-app purchases
Questions
Is FNB Waterloo free?
Is Essence Flex Spend free?
Which has better reviews, FNB Waterloo or Essence Flex Spend?
Do FNB Waterloo or Essence Flex Spend have ads?
Which is updated more often, FNB Waterloo or Essence Flex Spend?
Other comparisons
