# FNB Grayson Online vs MCCU KY

The clearest difference is ads: MCCU KY at none against FNB Grayson Online's shown. MCCU KY also leads on monetization model (free vs free with in-app purchases) and update cadence (every 3 weeks vs every 4 months). FNB Grayson Online's advantage is iOS requirement (15.0 vs 18.4). On price, rating, in-app purchases and device support 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 FNB Grayson Online against 4.8 for MCCU KY. Both are backed by a comparable volume of ratings — 609 and 2K respectively. Written reviews are what separate them: 38% of FNB Grayson Online's written reviews are positive against 56% of MCCU KY's.

FNB Grayson Online ships an update every 4 months, MCCU KY every 3 weeks. The most recent releases landed on September 26, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | FNB Grayson Online | MCCU KY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (609 ratings)](https://appshunter.io/ios/app/fnb-grayson-online/id1581670848/reviews)** | [4.8 (2K ratings)](https://appshunter.io/ios/app/mccu-ky/id6451216708/reviews) |
| Number of ratings | 609 | **2K** |
| Positive reviews | 37.5% of reviews | **56.3% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 113 MB | 178 MB |
| Requires iOS | **15.0** | 18.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [First National Bank Grayson](https://appshunter.io/developer/663361550) | [Members Choice Credit Union (KY)](https://appshunter.io/developer/600085985) |

## What reviewers say

### FNB Grayson Online

[App page](https://appshunter.io/ios/app/fnb-grayson-online/id1581670848)

Manage your bank accounts on the go with this secure and free mobile application. Access balances, transfer funds, pay bills, and deposit checks anytime, anywhere. Locate nearby ATMs and banking centers using your phone's GPS.

**Highlights:** Biometric Security, Check Account Balances, Transfer Funds, Pay Bills, Deposit Checks, Find ATMs and Banking Centers

**Features:** Apple Wallet

**In-app purchases:** none


### MCCU KY

[App page](https://appshunter.io/ios/app/mccu-ky/id6451216708)

Manage your finances on the go with this mobile banking app. Organize transactions with notes and tags, set up balance alerts, and make payments. Deposit checks, transfer funds, and find nearby branches and ATMs.

**Highlights:** Add tags, notes, and photos to transactions, Set up balance alerts, Make payments to companies and friends, Transfer money between accounts, Deposit checks via photo, View and save monthly statements, Find branches and ATMs, Aggregate financial accounts

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to navigate
- 💡 Great new app design
- 🚀 Smooth performance

**What reviewers complain about**

- 🐛 Glitchy and unreliable
- 🤔 Confusing account labeling
- 📱 Incompatible with older devices

**Reported bugs**

- Accounts not showing up
- Constant need to delete and reinstall app

**Requested features**

- Apple Watch app
- Traditional account labels (checking, savings)


## Frequently asked questions

### Is FNB Grayson Online free?

FNB Grayson Online is free to download, with no in-app purchases.

### Is MCCU KY free?

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

### Which has better reviews, FNB Grayson Online or MCCU KY?

FNB Grayson Online is rated higher. FNB Grayson Online averages 4.8 out of 5 from 609 ratings, while MCCU KY averages 4.8 from 2K ratings.

### Do FNB Grayson Online or MCCU KY have ads?

FNB Grayson Online shows ads; MCCU KY does not.

### Which is updated more often, FNB Grayson Online or MCCU KY?

FNB Grayson Online ships an update every 4 months, and MCCU KY every 3 weeks. Most recently, FNB Grayson Online was updated on September 26, 2026 and MCCU KY on September 25, 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.*