# Franklin Templeton® U.S. vs First Command Bank

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.

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.

## The numbers

| Metric | Franklin Templeton® U.S. | First Command Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.7 (128 ratings)](https://appshunter.io/ios/app/franklin-templeton-us/id1536806144/reviews) | **[4.7 (2.9K ratings)](https://appshunter.io/ios/app/first-command-bank/id6502416264/reviews)** |
| Number of ratings | 128 | **2.9K** |
| Positive reviews | 1.3% of reviews | **30.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 37 MB | 196 MB |
| Requires iOS | **16.0** | 18.4 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 12+ |
| Developer | [Franklin Templeton Investments](https://appshunter.io/developer/499052296) | [First Command Bank](https://appshunter.io/developer/379925012) |

## What reviewers say

### Franklin Templeton® U.S.

[App page](https://appshunter.io/ios/app/franklin-templeton-us/id1536806144)

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.

**Highlights:** Biometric login (Face ID/Touch ID), View account balances, Transaction history, Investment rates of return, Submit purchases, Submit redemptions

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Basic functionality for transactions
- 👍 Simple layout for basic tasks
- 👍 Works for some users

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐛 Login issues are rampant
- 🐛 Face ID malfunctions
- 🐛 One-time PIN issues
- 🐛 Poor user interface/design

**Reported bugs**

- 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

**Requested features**

- 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


### First Command Bank

[App page](https://appshunter.io/ios/app/first-command-bank/id6502416264)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Great app upgrade
- 💡 Modern and seamless experience

**What reviewers complain about**

- 🐛 Bugs and glitches
- 🔍 Harder to find things
- 💳 Complicated credit card payment process
- 🔍 Missing features (wire transfer)

**Reported bugs**

- New login doesn't work
- Unable to add external bank accounts
- Deposit process not working properly

**Requested features**

- Ability to see credit card accounts in the app
- Easier process for making credit card payments


## Frequently asked questions

### Is Franklin Templeton® U.S. free?

Franklin Templeton® U.S. is free to download, with no in-app purchases.

### Is First Command Bank free?

First Command Bank is free to download, with no in-app purchases.

### Which has better reviews, Franklin Templeton® U.S. or First Command Bank?

First Command Bank is rated higher. Franklin Templeton® U.S. averages 1.7 out of 5 from 128 ratings, while First Command Bank averages 4.7 from 2.9K ratings.

### Do Franklin Templeton® U.S. or First Command Bank have ads?

Neither Franklin Templeton® U.S. nor First Command Bank shows ads.

### Which is updated more often, Franklin Templeton® U.S. or First Command Bank?

Franklin Templeton® U.S. ships an update every 3 weeks, and First Command Bank every 4 weeks. Most recently, Franklin Templeton® U.S. was updated on October 23, 2026 and First Command Bank 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.*