# FCBL vs MAX CU

The clearest difference is ratings volume: MAX CU at 8.9K against FCBL's 613. MAX CU also leads on monetization model (free vs ad-supported). 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 FCBL against 4.7 for MAX CU. That said, the two scores are not equally well evidenced: MAX CU has 8.9K ratings behind it against 613, so its average is the more settled of the two. Written reviews are what separate them: 25% of FCBL's written reviews are positive against 28% of MAX CU's.

FCBL ships an update monthly, MAX CU every 3 weeks. The most recent releases landed on October 30, 2026 and November 1, 2026 respectively.

## The numbers

| Metric | FCBL | MAX CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (613 ratings)](https://appshunter.io/ios/app/fcbl/id1671024406/reviews)** | [4.7 (8.9K ratings)](https://appshunter.io/ios/app/max-cu/id6743123468/reviews) |
| Number of ratings | 613 | **8.9K** |
| Positive reviews | 25.0% of reviews | **27.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 199 MB | 196 MB |
| Requires iOS | 18.4 | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 12+ | 4+ |
| Developer | [First Citizens Bank (AL)](https://appshunter.io/developer/566037104) | [MAX Credit Union](https://appshunter.io/developer/456251903) |

## What reviewers say

### FCBL

[App page](https://appshunter.io/ios/app/fcbl/id1671024406)

Manage your finances with tools to organize transactions, set alerts, and make payments. Securely deposit checks, transfer funds, and reorder debit cards. Access statements and find nearby branches or ATMs.

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

**Features:** Apple Wallet

**In-app purchases:** none


### MAX CU

[App page](https://appshunter.io/ios/app/max-cu/id6743123468)

Manage your finances on the go with this app. Organize transactions, set alerts, pay bills, transfer funds, and deposit checks remotely. Securely access your accounts and find branches or ATMs.

**Highlights:** Organize transactions with tags and notes, Set balance alerts, Pay bills and loans, Transfer money between accounts, Deposit checks remotely, Find branches and ATMs

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- ⭐ Improved security

**What reviewers complain about**

- 🚧 Clunky UI and navigation
- 🕰️ Slow performance and loading
- 🤷‍♀️ Lack of account overview
- 🔒 Unwanted account visibility
- 🤯 Removal of essential features

**Reported bugs**

- App crashes and freezes
- Login issues and unresponsive customer support

**Requested features**

- Ability to nickname accounts
- Restore previous app functionality
- Bring back Bill Pay


## Frequently asked questions

### Is FCBL free?

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

### Is MAX CU free?

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

### Which has better reviews, FCBL or MAX CU?

FCBL is rated higher. FCBL averages 4.9 out of 5 from 613 ratings, while MAX CU averages 4.7 from 8.9K ratings.

### Do FCBL or MAX CU have ads?

Neither FCBL nor MAX CU shows ads.

### Which is updated more often, FCBL or MAX CU?

FCBL ships an update monthly, and MAX CU every 3 weeks. Most recently, FCBL was updated on October 30, 2026 and MAX CU on November 1, 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.*