# Independence Bank vs CFSB

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.

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

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.

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

## The numbers

| Metric | Independence Bank | CFSB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (65 ratings)](https://appshunter.io/ios/app/independence-bank/id501489088/reviews) | **[4.7 (711 ratings)](https://appshunter.io/ios/app/cfsb-mobile-banking/id847720883/reviews)** |
| Number of ratings | 65 | **711** |
| Positive reviews | 41.4% of reviews | **77.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | Every 3 months |
| Monetization | Free | Free |
| Size | 169 MB | 78 MB |
| Requires iOS | **14.1** | 16.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Independence Bank](https://appshunter.io/developer/501489631) | [Community Financial Services Bank](https://appshunter.io/developer/470236249) |

## What reviewers say

### Independence Bank

[App page](https://appshunter.io/ios/app/independence-bank/id501489088)

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:** Apple Wallet

**In-app purchases:** none


### CFSB

[App page](https://appshunter.io/ios/app/cfsb-mobile-banking/id847720883)

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:** Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 👍 Easy to navigate
- 👍 Convenient for banking from home
- 👍 Helpful and knowledgeable bank workers
- 👍 Good for managing finances

**What reviewers complain about**

- 🐛 App does not keep up with proper account information
- 🐛 App keeps restarting
- 🐛 Mobile deposit is difficult to use
- 🐛 Loan payment process needs improvement
- 🐛 App crashes constantly

**Reported bugs**

- App not keeping up with proper account information
- App keeps restarting
- Mobile deposit issues
- Loan payment process difficult to navigate
- App crashes constantly

**Requested features**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*