Franklin Templeton® U.S. vs First Command Bank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Franklin Templeton® U.S.
Manage your investment accounts directly from your iPhone. Securely log in with biometrics to view balances, transaction history, and rates of return. Submit purchases or redemptions conveniently from anywhere.
- Biometric login (Face ID/Touch ID)
- View account balances
- Transaction history
- Investment rates of return
- Submit purchases
- Submit redemptions
Read full descriptionHide full description
Now you can manage your Franklin Templeton accounts on your iPhone®. Current capabilities: • Log in using Face ID® or Touch ID® so there’s no need to remember logins and passwords • View your account balances, transaction history and investment rates of return • Submit purchases or redemptions anytime, anywhere Log in with your existing franklintempleton.com credentials, or register directly on the app using your fund-account number (found on account statements or tax documents).
First Command Bank
Manage your finances securely from anywhere with this mobile banking app. It offers anytime access to accounts, bill pay, fund transfers, and Zelle® integration. Track your financial progress, deposit checks remotely, and connect with bank specialists.
- Review account transactions and balances
- Send and receive money with Zelle®
- Transfer funds between accounts
- Pay bills and schedule payments
- Track credit score and financial goals
- Remote check deposit
- Secure messaging with bank specialists
Read full descriptionHide full description
Stay on top of your finances with the First Command Bank mobile app. Designed for life on the move, it gives active-duty service members, military families, and veterans secure, anytime access to their accounts—whether at home, on base, or abroad. First Command’s personal banking solutions are built to support your goals and simplify everyday money management, helping you stay squared away wherever you are in your financial journey. Features • Review transaction history, activity, and balances in checking, savings, and loan accounts • Send and receive money securely with Zelle® • Transfer funds between your First Command accounts • Pay bills and schedule, edit, or cancel payments • Track your credit score and set goals to stay on top of your financial progress • Get a pulse on your financial wellness at a glance • Deposit checks from anywhere by snapping a photo using the Remote Deposit feature • Connect with bank specialists using secure messaging • Customize your dashboard to quickly access your go-to features • Set balance alerts to notify you when your accounts reach a specific limit • Locate nearby ATMs and bank branches Security • Log in with Face ID® and Touch ID® • Set alerts to be notified of important account information • Change Online ID or Passcode • Access your accounts 24 hours a day To log in to mobile banking, use your First Command online banking username and password. If you have questions or need assistance, contact us at 888-763-7600 or bankinfo@firstcommand.com.
Screenshots
Verdict
The clearest difference is rating: First Command Bank at 4.7 against Franklin Templeton® U.S.'s 1.7. First Command Bank also leads on review sentiment (31% vs 1%) and monetization model (free vs free with in-app purchases). Franklin Templeton® U.S.'s advantage is iOS requirement (16.0 vs 18.4). On price, update cadence, ads and in-app purchases 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.
First Command Bank holds the better App Store score, 4.7 against 1.7. That said, the two scores are not equally well evidenced: First Command Bank has 2.9K ratings behind it against 128, so its average is the more settled of the two. Written reviews point the same way: 1% of Franklin Templeton® U.S.'s written reviews are positive against 31% of First Command Bank's.
Franklin Templeton® U.S. ships an update every 3 weeks, First Command Bank every 4 weeks. The most recent releases landed on October 23, 2026 and October 30, 2026 respectively.
| Parameter | Franklin Templeton® U.S. | First Command Bank |
|---|---|---|
| Price | Free | Free |
| Rating | 1.7 (128 ratings) | 4.7 (2.9K ratings) — better |
| Positive reviews | 1.3% of reviews | 30.7% of reviews — better |
| Number of ratings | 128 | 2.9K — better |
| Update frequency | Every 3 weeks — better | Every 4 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 16.0 — better | 18.4 |
| Further details — not scored | ||
| Size | 37 MB | 196 MB |
| Age rating | 4+ | 12+ |
| Developer | Franklin Templeton Investments | First Command Bank |
Customer experience
Franklin Templeton® U.S.
First Command Bank
User reviews
Franklin Templeton® U.S.
From 128 App Store ratingsWhat we love
- 👍 Basic functionality for transactions
- 👍 Simple layout for basic tasks
- 👍 Works for some users
Room to improve
- 🐛 App crashes frequently
- 🐛 Login issues are rampant
- 🐛 Face ID malfunctions
- 🐛 One-time PIN issues
- 🐛 Poor user interface/design
First Command Bank
From 2.9K App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Great app upgrade
- 💡 Modern and seamless experience
Room to improve
- 🐛 Bugs and glitches
- 🔍 Harder to find things
- 💳 Complicated credit card payment process
- 🔍 Missing features (wire transfer)
Bugs and requests
Franklin Templeton® U.S.
Reported bugs
68 issues- Face ID doesn't work
- App reports returns incorrectly
- Cannot open tax docs on the app
- App is barely functional
- Glitches every step of the way
Show 63 moreShow fewer
- Cannot get into see account information
- App never sends PIN code
- Near impossible to log in
- App glitches constantly
- Extremely slow and unhelpful
- Error when trying to log in
- Credentials incorrect error
- Cannot reset password
- Face ID needs resetting regularly
- No statements or tax documents available
- Required PIN is never sent
- App not consistently working when logging in
- Loses Face ID frequently
- Sends many pins that do not work
- Account locks upon trying to access
- One-time PIN feature makes app inaccessible
- App glitches, shows garbage information
- App forgets Face ID
- App doesn't remember device
- Requires skipping through ads
- Figures don't always add up
- Face ID works poorly
- Inconsistent Face ID availability
- Inconsistent two-step authorization
- App cannot log on with iPad
- Rarely logs on with iPhone
- Constantly sending one-time codes that do not work
- Locked out every single time
- Login process has not worked since updates
- Signing in with user and password is laborious
- Numerous OTPs resulting in lockout
- Website login is just as bad
- App freezes with a spinning ring
- App locks out after multiple updates
- Forced to call customer service to unlock account
- App update broke login
- Password reset scheme is broken
- App doesn't remember Face ID saved login
- Old login information doesn't work
- App locked out after updates
- Login page didn't update with website update
- App requires additional code with no delivery indication
- Password and one-time code flagged as invalid
- App doesn't recognize setup information
- App crashes
- App bugs
- Cannot do anything except check balance
- Cannot see a chart
- iPad app isn't rescaled
- App crashes immediately after Face ID
- App cannot get past Face ID
- App crashes after attempting to log in
- App crashes on login
- App crashes at login prompt
- Session expired error
- App says to install latest version but no updates available
- Bug shows buy transactions under one fund, dividends in another
- Unable to get past Text Messaging Consent Policy screen
- Cannot get past mobile phone verification
- Error 'rate limit violated'
- Cannot get past text consent screen
- Will not allow past consent screen
- Says rate limit violated when trying to consent to text message rule
Requested features
16 requests- Redo the entire app
- Major renovation needed
- Ability to see statements and tax documents
- Improve Face ID reliability
- Provide a way to generate one-time PIN
Show 11 moreShow fewer
- Add email verification for OTP
- Send OTP via text message
- Improve app design and user-friendliness
- Add graph format for account details
- Allow research on other funds
- Improve app responsiveness
- Make app intuitive
- Bring back Face ID functionality
- Improve contribution information accuracy
- Add account type to account list
- Rescale iPad app for larger screen
First Command Bank
Reported bugs
3 issues- New login doesn't work
- Unable to add external bank accounts
- Deposit process not working properly
Requested features
2 requests- Ability to see credit card accounts in the app
- Easier process for making credit card payments
In-app purchases
Franklin Templeton® U.S.
No in-app purchases
First Command Bank
No in-app purchases
Questions
Is Franklin Templeton® U.S. free?
Is First Command Bank free?
Which has better reviews, Franklin Templeton® U.S. or First Command Bank?
Do Franklin Templeton® U.S. or First Command Bank have ads?
Which is updated more often, Franklin Templeton® U.S. or First Command Bank?
Other comparisons
