# PEFCU Mobile Banking vs MIDFLORIDA Mobile

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.

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 November 5, 2026 and November 1, 2026 respectively.

## The numbers

| Metric | PEFCU Mobile Banking | MIDFLORIDA Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (13K ratings)](https://appshunter.io/ios/app/pefcu-mobile-banking/id460813034/reviews)** | [3.0 (152 ratings)](https://appshunter.io/ios/app/midflorida-mobile/id505501145/reviews) |
| Number of ratings | **13K** | 152 |
| Positive reviews | **53.1% of reviews** | 16.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 69 MB | 22 MB |
| Requires iOS | **13.0** | 17.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Publix Employees Federal Credit Union](https://appshunter.io/developer/460813037) | [MIDFLORIDA Credit Union](https://appshunter.io/developer/505501148) |

## What reviewers say

### PEFCU Mobile Banking

[App page](https://appshunter.io/ios/app/pefcu-mobile-banking/id460813034)

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.

**Highlights:** New look and feel, Pay a person by phone number or email, Move money between accounts, Transfer to other financial institutions, Remote banking

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🔒 Protections provided
- 👍 Accessibility
- 👍 Convenient
- 👍 Helpful customer service

**What reviewers complain about**

- 🐛 Frequent crashes
- 🐛 Unreliable mobile banking
- 🐛 Slow performance
- 🐛 Buggy app
- 🐛 Constant maintenance issues

**Reported bugs**

- Login screen freezes
- Incompatible with older devices
- Transactions not showing accurate dates
- Mobile deposits not working
- Face/fingerprint unlock not functioning

**Requested features**

- Faster fund transfers
- External bank account integration
- 24/7 customer support
- Improved bill pay system
- Customizable account views


### MIDFLORIDA Mobile

[App page](https://appshunter.io/ios/app/midflorida-mobile/id505501145)

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.

**Highlights:** Account management, Mobile check deposit, Bill pay, Card controls, Early paycheck, Automated savings, Financial education

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

**In-app purchases:** none

**What reviewers like**

- 💰 Easy cash back redemption system
- ✅ Functional core banking features
- 🎨 Improved app redesign (2021 update)
- 📱 Mobile deposit capability
- 🔐 Security features available when configured

**What reviewers complain about**

- 🐛 Persistent biometric authentication failures
- ⚠️ Frequent forced logouts mid-transaction
- 🐢 Extremely slow app performance
- 👁️ Outdated and unappealing user interface
- 📱 Poor responsive design on smaller screens

**Reported bugs**

- 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

**Requested features**

- Dark mode option
- Improved font size and text customization
- Face ID support (modern implementation)
- Apple Pay integration
- Zelle payment support


## Frequently asked questions

### Is PEFCU Mobile Banking free?

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

### Is MIDFLORIDA Mobile free?

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

### Which has better reviews, PEFCU Mobile Banking or MIDFLORIDA Mobile?

PEFCU Mobile Banking is rated higher. PEFCU Mobile Banking averages 4.9 out of 5 from 13K ratings, while MIDFLORIDA Mobile averages 3.0 from 152 ratings.

### Do PEFCU Mobile Banking or MIDFLORIDA Mobile have ads?

Neither PEFCU Mobile Banking nor MIDFLORIDA Mobile shows ads.

### Which is updated more often, PEFCU Mobile Banking or MIDFLORIDA Mobile?

PEFCU Mobile Banking ships an update every 3 weeks, and MIDFLORIDA Mobile every 3 months. Most recently, PEFCU Mobile Banking was updated on November 5, 2026 and MIDFLORIDA Mobile 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.*