# UMB Mobile vs Academy Bank

The clearest difference is monetization model: UMB Mobile at free against Academy Bank's free with in-app purchases. Academy Bank's advantage is review sentiment (72% vs 53%). On price, rating, ratings volume 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 — 4.2 for UMB Mobile against 4.3 for Academy Bank. Both are backed by a comparable volume of ratings — 3.1K and 2.6K respectively. Written reviews are what separate them: 53% of UMB Mobile's written reviews are positive against 72% of Academy Bank's.

UMB Mobile ships an update every 6 months, Academy Bank every 5 months. The most recent releases landed on October 28, 2026 and November 1, 2026 respectively.

## The numbers

| Metric | UMB Mobile | Academy Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (3.1K ratings)](https://appshunter.io/ios/app/umb-mobile/id446955885/reviews) | **[4.3 (2.6K ratings)](https://appshunter.io/ios/app/academy-bank/id548633556/reviews)** |
| Number of ratings | **3.1K** | 2.6K |
| Positive reviews | 52.6% of reviews | **71.5% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 6 months | **Every 5 months** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 54 MB | 76 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [UMB Financial Corporation](https://appshunter.io/developer/446955888) | [Dickinson Financial Corporation](https://appshunter.io/developer/547310007) |

## 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


### Academy Bank

[App page](https://appshunter.io/ios/app/academy-bank/id548633556)

Manage your finances on the go with this mobile banking app. Deposit checks, transfer funds, monitor account activity, and set up custom alerts. Find nearby ATMs and branches, and pay bills securely from your device.

**Highlights:** Mobile check deposit, Account balance and transaction history, Customizable mobile banking alerts, Fund transfers between accounts, Bill payment, ATM and branch locator

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient features
- 🔒 Secure banking
- 💡 Great app updates
- 👍 User-friendly interface

**What reviewers complain about**

- 🐛 Occasional app crashes
- 🐛 Inconsistent balance updates
- 🐛 Buggy app after updates
- 🐛 Login issues
- 🐛 Slow app performance

**Reported bugs**

- Incorrect account balances
- Disappearing transaction history
- Frequent app crashes
- Login credentials not saving
- Delayed mobile deposit processing

**Requested features**

- Instant account transfers
- Improved transaction history
- Fingerprint/Face ID login
- Pending deposit visibility
- 24/7 customer support


## Frequently asked questions

### Is UMB Mobile free?

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

### Is Academy Bank free?

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

### Which has better reviews, UMB Mobile or Academy Bank?

Academy Bank is rated higher. UMB Mobile averages 4.2 out of 5 from 3.1K ratings, while Academy Bank averages 4.3 from 2.6K ratings.

### Do UMB Mobile or Academy Bank have ads?

Both UMB Mobile and Academy Bank show ads.

### Which is updated more often, UMB Mobile or Academy Bank?

UMB Mobile ships an update every 6 months, and Academy Bank every 5 months. Most recently, UMB Mobile was updated on October 28, 2026 and Academy Bank 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.*