Comparison

Independence Bank vs CFSB

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Independence Bank

Manage your bank accounts, cards, and finances securely from anywhere. This app offers features like mobile check deposit, bill pay, and personal finance management tools. It also provides business banking services and online account opening.

Highlights
  • View and manage accounts
  • Card services (on/off toggle)
  • Move money (P2P, bill pay, external transfers)
  • Personal Finance Manager
  • Mobile check deposit (multi-check capture)
  • Business services (payroll, wires)
  • Online account opening
  • View documents and manage alerts
Features
Read full description

Independence Bank offers you even more independence with the freedom to bank your way anytime, anywhere with our streamlined, secure mobile banking application. Experience full functionality with a comprehensive suite of services available on our mobile app. View and Manage Accounts View total loan and deposit information on all of your Independence Bank accounts in one place. Take a deeper dive into specific account activity and balance information with the click of a button. Card Services Manage all Independence Bank debit cards issued to you through one simple platform. Easily toggle your card on and off in real time and control card functionality without disrupting recurring transactions. Move Money Securely move money when and where you want it, without having to write a check or withdraw cash. By establishing payees, you determine how you want to pay either through initiating person to person payments, setting up a bill pay or moving money to an external account. Personal Finance Manager Take charge of your finances with our Personal Finance Manager that allows you to see a complete snapshot of your finances. Combine your Independence Bank accounts with external accounts to understand your overall spending habits, set budgets, create spending categories and calculate your net worth. Mobile Check Deposit Deposit money on the go by snapping a picture of the check on your mobile device. Need to deposit more than one check at a time? Customers can take advantage of multi-check capture within digital banking. Business Services Business customers can take advantage of automated payment processing with set entitlement controls and tasks for team members so you can focus on what’s important. Business users can also experience enhanced payroll solutions allowing you to initiate and approve all activity from your mobile device. Need to wire funds? Not a problem. With the Independence Bank mobile app, businesses can initiate and send domestic or international wires all from your device. Online Account Opening Choose from a variety of Independence Bank accounts to open online anytime, anywhere so you never miss a moment. Select the features you want for each account and customize how you want to fund the account. If you need to leave the application and come back, you will be assigned a unique confirmation number that will allow you to pick up right where you left off. View Documents View important customer documents in one place such as notices, bank statements and tax documents. Manage Alerts Establish custom alerts giving you real-time notification on your account activity. Set up custom security alerts, various account alerts to keep you on track of your spending and savings habits and manage card alerts within the mobile application so you stay on top of your finances. Find Locations The nearest Independence Bank location is just a click away. Search location information, hours of operation, ATM and ITM details within the mobile app. Secure Messaging Need assistance? We’re here to help. Securely send and receive messages to our Customer Service Center through the mobile banking application. In order to take advantage of our seamless banking services, you must be enrolled in Digital Banking and have an Independence Bank checking or savings account. If you are not currently enrolled, please call or visit your nearest Independence Bank location or our website www.1776bank.com to learn more. Once enrolled, download the app to begin managing your finances anytime, anywhere from any mobile device. Touch ID and Face ID are available for supported Apple devices. Once enabled, quickly and securely access your accounts without having to enter your password with Touch ID and Face Recognition. *standard text messaging rates may apply

About

CFSB

Manage your finances on the go with this mobile banking application. Access account details, transfer funds, deposit checks, and pay bills securely. Utilize biometric login for enhanced protection.

Highlights
  • Access account balances
  • View pending transactions
  • Review monthly statements
  • Make transfers
  • Deposit checks
  • Pay bills
  • Person-to-person payments with Zelle
  • Biometric login (TouchID, FaceID)
Features
Read full description

Experience unstoppable banking with the CFSB Mobile Banking App! CFSB Mobile gives you the power to do your banking anytime, anywhere. Access account balances, view pending transactions, review monthly statements, make transfers, deposit checks, pay bills, make person to person payments with Zelle, and much more! Log in securely using biometric features like TouchID and FaceID. CFSB Mobile Banking is a free app, however, message and data rates may apply. CFSB is a member of the FDIC. Questions about the CFSB Mobile Banking App? Email us at contactus@cfsvcs.com

Screenshots

Independence Bank4 screens
CFSB4 screens

Verdict

The call

The clearest difference is rating: CFSB at 4.7 against Independence Bank's 3.2. CFSB also leads on review sentiment (78% vs 41%) and ratings volume (711 vs 65). Independence Bank's advantage is iOS requirement (14.1 vs 16.0). On price, update cadence, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

CFSB holds the better App Store score, 4.7 against 3.2. That said, the two scores are not equally well evidenced: CFSB has 711 ratings behind it against 65, so its average is the more settled of the two. Written reviews point the same way: 41% of Independence Bank's written reviews are positive against 78% of CFSB's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 months. The most recent releases landed on November 1, 2026 and November 6, 2026 respectively.

Scorecard4 real differences · 6 level
Independence Bank versus CFSB: the parameters behind the verdict, then further details
ParameterIndependence BankCFSB
PriceFreeFree
Rating3.2 (65 ratings)4.7 (711 ratings) — better
Positive reviews41.4% of reviews77.8% of reviews — better
Number of ratings65711 — better
Update frequencyEvery 3 monthsEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad, Apple Watch
Requires iOS14.1 — better16.0
Further details — not scored
Size169 MB78 MB
Age rating4+4+
DeveloperIndependence BankCommunity Financial Services Bank

Customer experience

Independence Bank

All ratings58 ratings
Positive48.3%
Neutral10.3%
Negative41.4%
Written reviews29 reviews
Positive41.4%
Neutral6.9%
Negative51.7%

CFSB

All ratings643 ratings
Positive94.1%
Neutral1.4%
Negative4.5%
Written reviews90 reviews
Positive77.8%
Neutral8.9%
Negative13.3%

Bugs and requests

Independence Bank

Not enough reviews yet to summarise bugs or requests.

CFSB

Reported bugs

12 issues
  • App not keeping up with proper account information
  • App keeps restarting
  • Mobile deposit issues
  • Loan payment process difficult to navigate
  • App crashes constantly
Show 7 more
  • App locks users out
  • Check images not displaying
  • App not reliable
  • Online payment process is horrible
  • App can be accessed in the background without reauthorization
  • App only works on WiFi, not data
  • App crashes a lot

Requested features

11 requests
  • Fix the account information update issue
  • Improve the mobile deposit functionality
  • Streamline the loan payment process
  • Address app crashing and lockout issues
  • Ensure check images are displayed
Show 6 more
  • Improve app reliability
  • Simplify the online payment process
  • Enhance security by requiring reauthorization after switching apps
  • Update the app to work on data connections
  • Redesign the app interface
  • Make mobile deposit more reliable

In-app purchases

None

Independence Bank

No in-app purchases

None

CFSB

No in-app purchases

Questions

Is Independence Bank free?
Independence Bank is free to download, with no in-app purchases.
Is CFSB free?
CFSB is free to download, with no in-app purchases.
Which has better reviews, Independence Bank or CFSB?
CFSB is rated higher. Independence Bank averages 3.2 out of 5 from 65 ratings, while CFSB averages 4.7 from 711 ratings.
Do Independence Bank or CFSB have ads?
Neither Independence Bank nor CFSB shows ads.
Which is updated more often, Independence Bank or CFSB?
Independence Bank ships an update every 3 months, and CFSB every 3 months. Most recently, Independence Bank was updated on November 1, 2026 and CFSB on November 6, 2026.

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