# Extraco eBank vs FNBCT Mobile

The clearest difference is rating: FNBCT Mobile at 4.8 against Extraco eBank's 4.4. FNBCT Mobile also leads on update cadence (monthly vs every 2 months). Extraco eBank's advantage is review sentiment (87% vs 63%) and iOS requirement (16.0 vs 18.4). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

FNBCT Mobile holds the better App Store score, 4.8 against 4.4. Both are backed by a comparable volume of ratings — 1.8K and 2.1K respectively. Written reviews complicate that: 87% of Extraco eBank's written reviews are positive against 63% of FNBCT Mobile's, so the app with the better star average is not the one people write more warmly about.

Extraco eBank ships an update every 2 months, FNBCT Mobile monthly. The most recent releases landed on October 26, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Extraco eBank | FNBCT Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (1.8K ratings)](https://appshunter.io/ios/app/extraco-ebank/id1491516388/reviews) | **[4.8 (2.1K ratings)](https://appshunter.io/ios/app/fnbct-mobile/id6451453762/reviews)** |
| Number of ratings | 1.8K | **2.1K** |
| Positive reviews | **87.1% of reviews** | 63.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Free | Free |
| Size | 33 MB | 199 MB |
| Requires iOS | **16.0** | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [Extraco Banks](https://appshunter.io/developer/417482907) | [The First National Bank of Central Texas](https://appshunter.io/developer/868937150) |

## What reviewers say

### Extraco eBank

[App page](https://appshunter.io/ios/app/extraco-ebank/id1491516388)

Manage your finances conveniently with a secure banking app. Features include card management, budgeting tools, and the ability to link external accounts for a comprehensive financial overview.

**Highlights:** Card swap for multiple service providers, Financial management and budgeting tools, Turn debit card on/off, Set travel alerts, Link external accounts

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient and functional
- 🔒 Secure with extra protection
- 💡 Helpful scam alerts
- 👍 Friendly and professional customer service

**What reviewers complain about**

- 🐛 Occasional login issues
- 🐛 Difficulty navigating bill pay
- 🐛 Inconsistent user experience after updates
- 🐛 Lack of detailed transaction notes
- 🐛 Trouble depositing checks via mobile

**Reported bugs**

- Frequent log-outs and password resets required
- Mobile deposit feature not working consistently
- Transactions not always displaying correctly

**Requested features**

- Add built-in calculator
- Improve transaction categorization and budgeting
- Provide option for dark mode
- Allow minors to deposit checks
- Enhance transfer history and recurring payments


### FNBCT Mobile

[App page](https://appshunter.io/ios/app/fnbct-mobile/id6451453762)

Manage your finances with this secure and fast mobile tool. Set up alerts, make payments, transfer funds, deposit checks, and manage your debit card. Find nearby branches and ATMs easily.

**Highlights:** Set up balance alerts, Make payments to companies and friends, Transfer money between accounts, Deposit checks via photo, Manage debit cards (reorder/turn off), View and save monthly statements, Find branches and ATMs

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💡 Visually appealing app design
- 👍 Debit cards still work well

**What reviewers complain about**

- 🐛 App crashes and fails to load
- 🐛 Deposit system issues
- 🤔 Notifications are less useful than before
- 🤔 Lack of balance display after transactions

**Reported bugs**

- App won't open on older devices
- Deposit process requires multiple photo attempts
- Notifications send duplicate transactions

**Requested features**

- Higher mobile deposit limit
- Restore previous notification system
- Display account balance after transactions


## Frequently asked questions

### Is Extraco eBank free?

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

### Is FNBCT Mobile free?

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

### Which has better reviews, Extraco eBank or FNBCT Mobile?

FNBCT Mobile is rated higher. Extraco eBank averages 4.4 out of 5 from 1.8K ratings, while FNBCT Mobile averages 4.8 from 2.1K ratings.

### Do Extraco eBank or FNBCT Mobile have ads?

Neither Extraco eBank nor FNBCT Mobile shows ads.

### Which is updated more often, Extraco eBank or FNBCT Mobile?

Extraco eBank ships an update every 2 months, and FNBCT Mobile monthly. Most recently, Extraco eBank was updated on October 26, 2026 and FNBCT Mobile 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.*