Michigan First App vs First Independence
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Michigan First App
Manage your finances conveniently with a mobile banking experience designed for ease and security. Access all the features of a large bank with personalized local service. Simplify your banking tasks on the go.
- View account balances
- Check transaction history
- Transfer funds
- Pay bills and loans
- Deposit checks
- Find branches and ATMs
- Secure messaging
- Cardless ATM access
- Zelle integration
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At Michigan First Credit Union, we invest in technology so members have access to tools that simplify life, save time and make managing finances easy and convenient. That's why we work hard to create a world-class mobile banking experience. Our app provides the same capabilities as a big bank app, with the local focus on customer service you expect from a credit union. Features of Michigan First Mobile: -View balances -Check transaction history -Transfer funds between accounts -Pay bills -Make loan payments -Deposit checks -Find nearest branches and ATMs -Securely message our 24-hour call center -Cardless ATM Access -Zelle
First Independence
Access your bank accounts securely from anywhere. Manage your money by paying bills, depositing checks, transferring funds, and viewing transactions. You can also control your debit card and find nearby branches or ATMs.
- Bill and friend payments
- Debit card control
- Check deposit
- Account balance and transaction viewing
- Fund transfers
- Branch and ATM locator
- New account opening
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With the First Independence Bank Digital Banking App, you can safely and securely access your accounts anytime, anywhere. Our digital banking app is FREE and allows you to: • Pay bills or pay your friends • Turn your debit card on/off with the tap of a button • Deposit checks • View your account balances • View recent transactions • Transfer funds • Locate a branch or ATM • Contact our Customer Service Team • Open a new account Security is our priority. Rest assured that your personal information is kept safe!
Screenshots
Verdict
The clearest difference is update cadence: Michigan First App at every 6 weeks against First Independence's every 30 months. Michigan First App also leads on ratings volume (26K vs 101). On price, rating, review sentiment and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
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 Michigan First App against 4.7 for First Independence. That said, the two scores are not equally well evidenced: Michigan First App has 26K ratings behind it against 101, so its average is the more settled of the two. Written reviews are what separate them: 94% of Michigan First App's written reviews are positive against 100% of First Independence's.
Michigan First App ships an update every 6 weeks, First Independence every 30 months. The most recent releases landed on October 21, 2026 and September 30, 2026 respectively.
| Parameter | Michigan First App | First Independence |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (26K ratings) — better | 4.7 (101 ratings) |
| Positive reviews | 94.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 26K — better | 101 |
| Update frequency | Every 6 weeks — better | Every 30 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 | 14.7 — better |
| Further details — not scored | ||
| Size | 142 MB | 99 MB |
| Age rating | 4+ | 4+ |
| Developer | Michigan First Credit Union | First Independence Bank |
Customer experience
Michigan First App
First Independence
Bugs and requests
Michigan First App
Reported bugs
4 issues- App crashes and fails to load
- Inconsistent syncing of transactions
- Issues with auto-pay and recurring payments
- Problems with mobile deposit and fund holds
Requested features
5 requests- Improved mobile check deposit process
- Ability to manage multiple accounts easily
- Enhanced budgeting and money management tools
- Faster processing of transactions and payments
- Integration with digital wallets (e.g., Apple Pay)
First Independence
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Michigan First App
No in-app purchases
First Independence
No in-app purchases
Questions
Is Michigan First App free?
Is First Independence free?
Which has better reviews, Michigan First App or First Independence?
Do Michigan First App or First Independence have ads?
Which is updated more often, Michigan First App or First Independence?
Other comparisons
