PEFCU Mobile Banking vs MIDFLORIDA Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PEFCU Mobile Banking
Manage your finances with a modern banking app. Easily pay individuals using their contact information and transfer funds between your accounts and other banks. Enjoy a streamlined remote banking experience.
- New look and feel
- Pay a person by phone number or email
- Move money between accounts
- Transfer to other financial institutions
- Remote banking
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Introducing PEFCUMobile. We offer a brand-new look and feel with cutting-edge new features that will make banking remotely a breeze. PEFCUMobile offers exciting features that give you more power - like the ability to pay a person using just their phone number or email address and move money between your PEFCU accounts and other financial institutions. Enjoy the great new features that PEFCUMobile has to offer. If you enjoy using PEFCUMobile, please rate us on the App Store.
MIDFLORIDA Mobile
Manage your finances securely and conveniently with this banking app. Access accounts, pay bills, deposit checks, and control your debit and credit cards. Get paid early and automate savings with budgeting tools and financial education resources.
- Account management
- Mobile check deposit
- Bill pay
- Card controls
- Early paycheck
- Automated savings
- Financial education
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Enjoy quick and secure access to your accounts anytime, anywhere. Our Free Online Banking app provides everything you need to manage your finances, pay bills, deposit checks and more. Account Management Easily open additional accounts and view all your balances in one place, including external accounts added from other banks. Stay informed with customizable alerts for deposits, withdrawals, and card purchases. Plus, you can quickly access your statements and important documents right from the app Card Controls Lock or unlock your lost or misplaced debit card or credit card, redeem rewards, and take control of your spending by setting restrictions on where and how your card is used, including by merchant type, transaction type, or spending limits. Send and Receive Money Set up direct deposit right in the app and get paid up to two days early with Free Early Paycheck. Plus, pay bills electronically and easily transfer money between your MIDFLORIDA accounts or to and from accounts you own elsewhere. Security MIDFLORIDA safeguards your financial information from unauthorized users with optional 2-Step Authentication, advanced encryption technology, and one-time passcodes. Plus, you can easily manage and disconnect applications connected to your online banking profile through Plaid at any time, giving you greater control over your account security. Save and Educate Automate your savings with Smart Save, a debit card round-up feature, and manage your finances with our budgeting tools and goal trackers. Plus, access financial literacy courses to enhance your financial knowledge. Register: To use the MIDFLORIDA Mobile App, you must be a member of MIDFLORIDA and enrolled in our Free Online Banking platform. Insured by NCUA
Screenshots
Verdict
The clearest difference is rating: PEFCU Mobile Banking at 4.9 against MIDFLORIDA Mobile's 3.0. PEFCU Mobile Banking also leads on review sentiment (53% vs 17%) and ratings volume (13K vs 152). On price, ads, in-app purchases and monetization model 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.
PEFCU Mobile Banking holds the better App Store score, 4.9 against 3.0. That said, the two scores are not equally well evidenced: PEFCU Mobile Banking has 13K ratings behind it against 152, so its average is the more settled of the two. Written reviews point the same way: 53% of PEFCU Mobile Banking's written reviews are positive against 17% of MIDFLORIDA Mobile's.
PEFCU Mobile Banking ships an update every 3 weeks, MIDFLORIDA Mobile every 3 months. The most recent releases landed on October 27, 2026 and October 24, 2026 respectively.
| Parameter | PEFCU Mobile Banking | MIDFLORIDA Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (13K ratings) — better | 3.0 (152 ratings) |
| Positive reviews | 52.8% of reviews — better | 16.8% of reviews |
| Number of ratings | 13K — better | 152 |
| Update frequency | Every 3 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 13.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 69 MB | 22 MB |
| Age rating | 4+ | 4+ |
| Developer | Publix Employees Federal Credit Union | MIDFLORIDA Credit Union |
Customer experience
PEFCU Mobile Banking
MIDFLORIDA Mobile
User reviews
PEFCU Mobile Banking
From 13K App Store ratingsWhat we love
- 🚀 Easy to use
- 🔒 Protections provided
- 👍 Accessibility
- 👍 Convenient
- 👍 Helpful customer service
Room to improve
- 🐛 Frequent crashes
- 🐛 Unreliable mobile banking
- 🐛 Slow performance
- 🐛 Buggy app
- 🐛 Constant maintenance issues
MIDFLORIDA Mobile
From 152 App Store ratingsWhat we love
- 💰 Easy cash back redemption system
- ✅ Functional core banking features
- 🎨 Improved app redesign (2021 update)
- 📱 Mobile deposit capability
- 🔐 Security features available when configured
Room to improve
- 🐛 Persistent biometric authentication failures
- ⚠️ Frequent forced logouts mid-transaction
- 🐢 Extremely slow app performance
- 👁️ Outdated and unappealing user interface
- 📱 Poor responsive design on smaller screens
Bugs and requests
PEFCU Mobile Banking
Reported bugs
6 issues- Login screen freezes
- Incompatible with older devices
- Transactions not showing accurate dates
- Mobile deposits not working
- Face/fingerprint unlock not functioning
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- Accounts not displaying properly
Requested features
7 requests- Faster fund transfers
- External bank account integration
- 24/7 customer support
- Improved bill pay system
- Customizable account views
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- Notifications for account activity
- Ability to switch between accounts easily
MIDFLORIDA Mobile
Reported bugs
26 issues- Face ID/Touch ID constantly prompts for password re-entry
- Biometric authentication error: 'detected a change in biometrics' when no change occurred
- App crashes when selecting bank account from dropdown menu
- Mobile deposit camera not functioning
- Mobile deposit OCR cannot read check numbers
Show 21 moreShow fewer
- App stuck on blank blue screen
- 404 error preventing app access entirely
- App does not fit screen properly on iPhone mini and smaller devices
- Top menu and settings buttons unresponsive on smaller screens
- Back button functionality inconsistent or non-functional
- App freezes during bill pay transactions
- Login screen keyboard not appearing
- Account balance display shows false information
- External account balances not syncing properly
- Transfers taking 10+ business days to clear
- Pending transactions no longer visible
- App requires restart after most uses
- Payee information edits not saving
- Joint account login sends verification to other user
- App incompatible with iPhone 6 and older devices
- App not compatible with MacOS M2 Chip
- Multiple payments being deducted without transaction history
- Transaction alerts arriving late
- Account info not updating after transfers
- App locked out for several days with reinstall not fixing issue
- Biometric settings error on app launch preventing login
Requested features
20 requests- Dark mode option
- Improved font size and text customization
- Face ID support (modern implementation)
- Apple Pay integration
- Zelle payment support
Show 15 moreShow fewer
- Principal-only mortgage payment option
- Pending transactions section restoration
- External debit card payment option
- Statement printing and email functionality
- Auto-save username functionality
- Unlink external accounts via app
- Transaction search and filtering
- Notification settings per account
- iPad landscape orientation support
- Yubikey mobile support
- Improved back button navigation
- Return-to-home functionality
- Auto-pay from own card
- Automatic savings features
- Better transfer interface clarity
In-app purchases
PEFCU Mobile Banking
No in-app purchases
MIDFLORIDA Mobile
No in-app purchases
Questions
Is PEFCU Mobile Banking free?
Is MIDFLORIDA Mobile free?
Which has better reviews, PEFCU Mobile Banking or MIDFLORIDA Mobile?
Do PEFCU Mobile Banking or MIDFLORIDA Mobile have ads?
Which is updated more often, PEFCU Mobile Banking or MIDFLORIDA Mobile?
Other comparisons
