# 1stNorCal @ccessMobile Banking vs FNCU Mobile

The clearest difference is rating: FNCU Mobile at 4.8 against 1stNorCal @ccessMobile Banking's 2.0. FNCU Mobile also leads on review sentiment (40% vs 2%) and ratings volume (1.3K vs 73). On price, update cadence, ads and in-app purchases there is nothing between them.

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

FNCU Mobile holds the better App Store score, 4.8 against 2.0. That said, the two scores are not equally well evidenced: FNCU Mobile has 1.3K ratings behind it against 73, so its average is the more settled of the two. Written reviews point the same way: 2% of 1stNorCal @ccessMobile Banking's written reviews are positive against 40% of FNCU Mobile's.

1stNorCal @ccessMobile Banking ships an update every 7 months, FNCU Mobile every 5 months. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | 1stNorCal @ccessMobile Banking | FNCU Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (73 ratings)](https://appshunter.io/ios/app/1stnorcal-ccessmobile-banking/id409272630/reviews) | **[4.8 (1.3K ratings)](https://appshunter.io/ios/app/fncu-mobile/id1437309708/reviews)** |
| Number of ratings | 73 | **1.3K** |
| Positive reviews | 2.2% of reviews | **40.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 7 months | **Every 5 months** |
| Monetization | Free | Free |
| Size | 73 MB | 104 MB |
| Requires iOS | 16.0 | **14.7** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Contra Costa Federal Credit Union](https://appshunter.io/developer/409272633) | [First Northern Credit Union](https://appshunter.io/developer/1437309707) |

## What reviewers say

### 1stNorCal @ccessMobile Banking

[App page](https://appshunter.io/ios/app/1stnorcal-ccessmobile-banking/id409272630)

Manage your finances securely and conveniently with 24/7 access to your accounts. Perform transactions, deposit checks, pay bills, and locate ATMs and branches easily. Enjoy secure login options and real-time alerts.

**Highlights:** 24/7 Account Access, Secure Login (Touch ID/Face ID), Mobile Check Deposit, Bill Pay, Money Transfers (via PayPal), ATM/Branch Locator, Account Alerts

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- ✅ Basic transactions possible
- ✅ View balance
- ✅ Bill pay available
- ✅ Transfer functionality

**What reviewers complain about**

- ❌ App constantly down
- ❌ Slow load times
- ❌ Horrible user interface
- ❌ Login issues
- ❌ Face ID not working

**Reported bugs**

- No mobile or email deposit notifications
- Trouble logging on iPad
- Face ID doesn't work
- App keeps asking for username and password
- App is always down for maintenance

**Requested features**

- Fix bugs and update the app
- Improve user interface and user experience
- Allow users to turn off credit score promotion
- Make registration option more visible
- Allow Zelle transfers


### FNCU Mobile

[App page](https://appshunter.io/ios/app/fncu-mobile/id1437309708)

Manage your finances on the go with this secure mobile banking solution. Easily pay bills, transfer funds, deposit checks, and control your debit card. Access account balances and recent transactions anytime, anywhere.

**Highlights:** Bill and person payments, Debit card on/off toggle, Mobile check deposit, Account balance viewing, Transaction history, Fund transfers, Branch and ATM locator

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Convenient banking services
- 👍 Helpful staff

**What reviewers complain about**

- 🐛 Buggy app with frequent crashes
- 🔍 Limited functionality compared to other banking apps
- 🔍 Outdated and rarely updated
- 🔍 Frustrating navigation and user experience
- 🐛 Face ID/login issues

**Reported bugs**

- Incorrect account balance updates
- Frequent app timeouts and login issues
- Mobile deposit functionality not working properly

**Requested features**

- Improved app navigation and user experience
- Integration with popular payment apps (Venmo, Zelle)
- Increased mobile deposit limits
- Better account management and transaction visibility


## Frequently asked questions

### Is 1stNorCal @ccessMobile Banking free?

1stNorCal @ccessMobile Banking is free to download, with no in-app purchases.

### Is FNCU Mobile free?

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

### Which has better reviews, 1stNorCal @ccessMobile Banking or FNCU Mobile?

FNCU Mobile is rated higher. 1stNorCal @ccessMobile Banking averages 2.0 out of 5 from 73 ratings, while FNCU Mobile averages 4.8 from 1.3K ratings.

### Do 1stNorCal @ccessMobile Banking or FNCU Mobile have ads?

Neither 1stNorCal @ccessMobile Banking nor FNCU Mobile shows ads.

### Which is updated more often, 1stNorCal @ccessMobile Banking or FNCU Mobile?

1stNorCal @ccessMobile Banking ships an update every 7 months, and FNCU Mobile every 5 months. Most recently, 1stNorCal @ccessMobile Banking was updated on November 1, 2026 and FNCU Mobile on November 2, 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.*