# AmbankWaco vs CBTWaco

AmbankWaco and CBTWaco both sit at 4.8 stars, but that hides the real split: 83% of AmbankWaco's written reviews are positive against 50% of CBTWaco's. AmbankWaco also leads on monetization model (free vs ad-supported) and ratings volume (714 vs 121). CBTWaco's advantage is iOS requirement (15.5 vs 17.0). On price, rating, update cadence and ads 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 — 4.8 for AmbankWaco against 4.8 for CBTWaco. That said, the two scores are not equally well evidenced: AmbankWaco has 714 ratings behind it against 121, so its average is the more settled of the two. Written reviews are what separate them: 83% of AmbankWaco's written reviews are positive against 50% of CBTWaco's.

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on November 1, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | AmbankWaco | CBTWaco |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (714 ratings)](https://appshunter.io/ios/app/ambankwaco/id478067911/reviews)** | [4.8 (121 ratings)](https://appshunter.io/ios/app/cbtwaco-mobile-community/id6760427154/reviews) |
| Number of ratings | **714** | 121 |
| Positive reviews | **82.6% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | **Free** | Ad-supported |
| Size | 125 MB | 199 MB |
| Requires iOS | 17.0 | **15.5** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [American Bank, N.A.](https://appshunter.io/developer/478067914) | [Community Bank & Trust’s Mobile Community](https://appshunter.io/developer/454598292) |

## What reviewers say

### AmbankWaco

[App page](https://appshunter.io/ios/app/ambankwaco/id478067911)

Manage your finances on the go with this mobile banking application. Check balances, review transaction history, and transfer funds between accounts. Locate nearby ATMs and contact your local branch directly from the app.

**Highlights:** Check account balances, View transaction history, Transfer funds between accounts, Find American Bank ATMs, Contact local branch, User-friendly interface

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Fast updates
- 👍 Convenient for checking balance
- 👍 Good for transferring funds
- 👍 Saves time

**What reviewers complain about**

- 🐛 Mobile deposit issues
- 🐛 Inconsistent performance
- 🐛 Zelle feature problems
- 🐛 Cash back rewards activation issue

**Reported bugs**

- Mobile deposit picture not accepted
- App freezes on loading screen
- Unable to access anything after update
- Cash back rewards always says needs activation

**Requested features**

- Make mobile deposit easier
- Link category spending from full site to app


### CBTWaco

[App page](https://appshunter.io/ios/app/cbtwaco-mobile-community/id6760427154)

Manage your finances on the go with this banking app. Check balances, transfer funds, pay bills, and deposit checks using your device's camera. Secure sign-on options like Touch ID and Face ID are available.

**Highlights:** Account balance checks, Transaction search, Inter-account transfers, Bill payment, Payee management, Mobile check deposit, Biometric login

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

**In-app purchases:** none


## Frequently asked questions

### Is AmbankWaco free?

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

### Is CBTWaco free?

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

### Which has better reviews, AmbankWaco or CBTWaco?

AmbankWaco is rated higher. AmbankWaco averages 4.8 out of 5 from 714 ratings, while CBTWaco averages 4.8 from 121 ratings.

### Do AmbankWaco or CBTWaco have ads?

Neither AmbankWaco nor CBTWaco shows ads.

### Which is updated more often, AmbankWaco or CBTWaco?

AmbankWaco ships an update every 3 months, and CBTWaco every 3 months. Most recently, AmbankWaco was updated on November 1, 2026 and CBTWaco on October 31, 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.*