# Baynet vs fnbsi

Baynet and fnbsi both sit at 4.8 stars, but that hides the real split: 75% of fnbsi's written reviews are positive against 50% of Baynet's. fnbsi also leads on monetization model (free vs ad-supported). On price, rating, ratings volume and update cadence there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for Baynet against 4.8 for fnbsi. Both are backed by a comparable volume of ratings — 366 and 506 respectively. Written reviews are what separate them: 50% of Baynet's written reviews are positive against 75% of fnbsi's.

Baynet ships an update monthly, fnbsi every 3 weeks. Both last shipped on October 24, 2026.

## The numbers

| Metric | Baynet | fnbsi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (366 ratings)](https://appshunter.io/ios/app/baynet/id1574545177/reviews) | **[4.8 (506 ratings)](https://appshunter.io/ios/app/fnbsi/id1583251264/reviews)** |
| Number of ratings | 366 | **506** |
| Positive reviews | 50.0% of reviews | **75.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 198 MB | 197 MB |
| Requires iOS | 18.4 | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 12+ | 12+ |
| Developer | [Baybank Corporation](https://appshunter.io/developer/634984510) | [First National Bank of St Ignace (Inc)](https://appshunter.io/developer/1020320178) |

## What reviewers say

### Baynet

[App page](https://appshunter.io/ios/app/baynet/id1574545177)

Manage your finances with this personal banking app. Organize transactions with tags and photos, set balance alerts, make payments, and transfer funds. Deposit checks remotely and manage your debit card.

**Highlights:** Organize transactions with tags, notes, and photos, Set custom balance alerts, Make payments to companies and friends, Transfer money between accounts, Deposit checks via photo, Manage debit card (reorder/turn off), View and save monthly statements

**Features:** Apple Wallet

**In-app purchases:** none


### fnbsi

[App page](https://appshunter.io/ios/app/fnbsi/id1583251264)

Manage your money with ease using this secure financial tool. Organize transactions with tags and photos, set balance alerts, and make payments or transfers. Deposit checks, manage your debit card, and access statements and branch locations.

**Highlights:** Organize transactions with tags, notes, and photos, Set balance alerts, Make payments and transfer money, Deposit checks via photo, Manage debit card activation/deactivation, View and save monthly statements, Find branches and ATMs

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Baynet free?

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

### Is fnbsi free?

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

### Which has better reviews, Baynet or fnbsi?

fnbsi is rated higher. Baynet averages 4.8 out of 5 from 366 ratings, while fnbsi averages 4.8 from 506 ratings.

### Do Baynet or fnbsi have ads?

Neither Baynet nor fnbsi shows ads.

### Which is updated more often, Baynet or fnbsi?

Baynet ships an update monthly, and fnbsi every 3 weeks. Most recently, Baynet was updated on October 24, 2026 and fnbsi on October 24, 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.*