# FNBMT vs CTCB

The clearest difference is monetization model: FNBMT at free against CTCB's free with in-app purchases. CTCB's advantage is ratings volume (2.8K vs 846). On price, rating, review sentiment 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 — 4.9 for FNBMT against 4.8 for CTCB. Both are backed by a comparable volume of ratings — 846 and 2.8K respectively. Written reviews are what separate them: 71% of FNBMT's written reviews are positive against 73% of CTCB's.

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on September 22, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | FNBMT | CTCB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (846 ratings)](https://appshunter.io/ios/app/fnbmt/id1598368497/reviews)** | [4.8 (2.8K ratings)](https://appshunter.io/ios/app/ctcb/id1658656291/reviews) |
| Number of ratings | 846 | **2.8K** |
| Positive reviews | 71.4% of reviews | **73.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 179 MB | 177 MB |
| Requires iOS | 18.4 | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 12+ | 12+ |
| Developer | [First National Bank of Middle Tennessee](https://appshunter.io/developer/920018214) | [Citizens Tri-County Bank](https://appshunter.io/developer/1042765358) |

## What reviewers say

### FNBMT

[App page](https://appshunter.io/ios/app/fnbmt/id1598368497)

Manage your finances with this secure and easy-to-use app. Organize transactions, set alerts, make payments, and deposit checks with a photo. It also helps you reorder cards, find ATMs, and aggregate accounts.

**Highlights:** Organize transactions with tags, notes, and photos, Set balance alerts, Make payments and transfer money, Deposit checks via photo, Manage debit cards, Aggregate financial accounts

**Features:** Apple Wallet

**In-app purchases:** none


### CTCB

[App page](https://appshunter.io/ios/app/ctcb/id1658656291)

Aggregate all your financial accounts into a single, secure view. Manage transactions, set alerts, make payments, transfer funds, and deposit checks with ease. This app empowers you with the tools to simplify your personal finances.

**Highlights:** Aggregate financial accounts, Organize transactions with tags and notes, Set balance alerts, Make payments and transfer money, Mobile check deposit, Manage debit cards, View monthly statements, Find branches and ATMs

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient mobile banking
- 🚀 Efficient app performance
- 💯 Excellent customer service
- 🏆 Best banking app experience
- 🌟 Reliable and responsive

**What reviewers complain about**

- 🐛 Issues with mobile deposits
- ⚠️ Inconsistent account balance display

**Reported bugs**

- App crashes or becomes unresponsive
- Incorrect transaction funds display

**Requested features**

- Download transaction history in CSV format
- Improved mobile deposit limits


## Frequently asked questions

### Is FNBMT free?

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

### Is CTCB free?

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

### Which has better reviews, FNBMT or CTCB?

FNBMT is rated higher. FNBMT averages 4.9 out of 5 from 846 ratings, while CTCB averages 4.8 from 2.8K ratings.

### Do FNBMT or CTCB have ads?

Neither FNBMT nor CTCB shows ads.

### Which is updated more often, FNBMT or CTCB?

FNBMT ships an update monthly, and CTCB monthly. Most recently, FNBMT was updated on September 22, 2026 and CTCB on September 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.*