# UMB Mobile vs FNBJ Mobile Banking

The clearest difference is ads: FNBJ Mobile Banking at none against UMB Mobile's shown. UMB Mobile's advantage is update cadence (every 6 months vs every 21 months). On price, in-app purchases, device support and iOS requirement there is nothing between them.

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

UMB Mobile ships an update every 6 months, FNBJ Mobile Banking every 21 months. The most recent releases landed on November 3, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | UMB Mobile | FNBJ Mobile Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (3.1K ratings)](https://appshunter.io/ios/app/umb-mobile/id446955885/reviews)** | — |
| Number of ratings | **3.1K** | — |
| Positive reviews | 52.6% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 6 months** | Every 21 months |
| Monetization | Free | — |
| Size | 54 MB | 57 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UMB Financial Corporation](https://appshunter.io/developer/446955888) | [First National Bank of Johnson](https://appshunter.io/developer/1421347567) |

## What reviewers say

### UMB Mobile

[App page](https://appshunter.io/ios/app/umb-mobile/id446955885)

Manage your UMB bank accounts on the go. Check balances, transfer funds, pay bills, deposit checks, and find ATMs. Securely access your financial information and manage alerts from your mobile device.

**Highlights:** Check account balances and activity, Transfer funds between accounts, Pay bills and manage payees, Deposit checks via camera, Set up and manage alerts, Find ATMs and bank locations, Secure login with biometrics

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🚀 Convenient mobile banking
- 🔒 Secure login options
- 👍 User-friendly interface
- 👍 Helpful customer service

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Buggy mobile deposit feature
- 🐛 Crashes and freezes
- 🐛 Inaccurate account information
- 🐛 Outdated and clunky design

**Reported bugs**

- Login screen repeatedly shows incorrect password error
- Mobile deposit feature often fails to work
- App crashes when trying to access certain account details
- Balances and transaction history not updating correctly

**Requested features**

- Dark mode option
- Improved mobile deposit process
- Better transaction history and reporting
- Integration with other financial apps
- Ability to manage HSA accounts


### FNBJ Mobile Banking

[App page](https://appshunter.io/ios/app/fnbj-mobile-banking/id1421347568)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is UMB Mobile free?

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

### Is FNBJ Mobile Banking free?

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

### Do UMB Mobile or FNBJ Mobile Banking have ads?

UMB Mobile shows ads; FNBJ Mobile Banking does not.

### Which is updated more often, UMB Mobile or FNBJ Mobile Banking?

UMB Mobile ships an update every 6 months, and FNBJ Mobile Banking every 21 months. Most recently, UMB Mobile was updated on November 3, 2026 and FNBJ Mobile Banking 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.*