Kemba Mobile vs Cyber ESS
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Kemba Mobile
Manage your finances on the go with secure 24/7 access to your accounts. Perform transactions, deposit checks, pay bills, and control your cards directly from your mobile device.
- 24/7 secure account access
- Check balances
- View transaction history
- Deposit checks
- Transfer funds
- Pay bills
- Card controls
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Kemba Mobile gives you 24/7 secure access to your accounts from your mobile device. The Kemba Mobile app is free to all members of Kemba Cincinnati (data charges may apply). Using Kemba Mobile, you can: • Check Balances • View and Search Transaction History • Deposit Checks • Transfer Funds • Pay Bills • Turn Cards On and Off • Enroll in eStatements
Cyber ESS
Access your pay stubs and annual tax forms like W-2s and 1099s if your employer uses specific payroll software. This application provides a portal to view and download important employment documents.
- Download pay stubs
- Access annual tax forms (W-2, 1099)
- ESS portal access
- Employer-specific services
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Download this app if directed by your employer or payroll provider. If your payroll is processed using software produced by CyberPay, Inc., such as CyberPay Online, then this app will allow you do download your pay stub and annual tax forms (W-2, 1099, etc.). This app will allow you to access the ess.cyberpayonline.com ESS portal. Additional services may be available, if offered by your employer.
Screenshots
Verdict
The clearest difference is review sentiment: Kemba Mobile at 56% against Cyber ESS's 17%. Kemba Mobile also leads on rating (2.8 vs 2.2) and update cadence (every 5 weeks vs every 23 months). Cyber ESS's advantage is iOS requirement (13.0 vs 16.0). On price, ratings volume, ads and in-app purchases 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.
Kemba Mobile holds the better App Store score, 2.8 against 2.2. Both are backed by a comparable volume of ratings — 46 and 18 respectively. Written reviews point the same way: 56% of Kemba Mobile's written reviews are positive against 17% of Cyber ESS's.
Kemba Mobile ships an update every 5 weeks, Cyber ESS every 23 months. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.
| Parameter | Kemba Mobile | Cyber ESS |
|---|---|---|
| Price | Free | Free |
| Rating | 2.8 (46 ratings) — better | 2.2 (18 ratings) |
| Positive reviews | 56.0% of reviews — better | 16.7% of reviews |
| Number of ratings | 46 — better | 18 |
| Update frequency | Every 5 weeks — better | Every 23 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 128 MB | 9 MB |
| Age rating | 4+ | 4+ |
| Developer | Kemba Credit Union | CyberPay Inc. |
Customer experience
Kemba Mobile
Cyber ESS
Bugs and requests
Kemba Mobile
Reported bugs
25 issues- Constantly deleting and reinstalling app
- Randomly logged out
- No smooth transition between menus
- Mobile deposit error 'something went wrong'
- Face ID/Touch ID not saving or working
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- Profile picture not uploading
- System doesn't recognize user after update
- Cannot unlock card
- App is non-functional, jumps up and down
- Fatal error when paying credit card bill
- Cannot link another bank to pay auto loan
- Biometrics not working properly
- Touch ID does not work
- Cannot save biometrics on iPad
- Card won't unfreeze at random times
- App is slow
- Direct deposit takes too long to appear
- Hard to pay bills, often not working
- Cannot pay bills over $1,000
- App moves slow
- Fingerprint enabling and quick lookup don't work
- App is on functional, jumps up and down
- Ads before seeing balance
- App is completely non-functional
- Mobile deposit requires perfect lighting
Requested features
10 requests- More physical bank locations
- Ability to make payments from iPhone app
- Add own pending transactions
- Pattern or number code for faster sign-in
- More ATMs
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- Widget for quick access
- Move Face ID button
- Ability to set up payment from another bank
- Option to pay auto loan via phone app
- Fix backspace issue where entire field is deleted
Cyber ESS
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Kemba Mobile
No in-app purchases
Cyber ESS
No in-app purchases
Questions
Is Kemba Mobile free?
Is Cyber ESS free?
Which has better reviews, Kemba Mobile or Cyber ESS?
Do Kemba Mobile or Cyber ESS have ads?
Which is updated more often, Kemba Mobile or Cyber ESS?
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