# FNB Direct vs SECU

FNB Direct and SECU both sit at 4.8 stars, but that hides the real split: 65% of SECU's written reviews are positive against 52% of FNB Direct's. SECU also leads on ratings volume (276K vs 51K). 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 FNB Direct against 4.9 for SECU. That said, the two scores are not equally well evidenced: SECU has 276K ratings behind it against 51K, so its average is the more settled of the two. Written reviews are what separate them: 52% of FNB Direct's written reviews are positive against 65% of SECU's.

FNB Direct ships an update every 3 months, SECU every 2 months. Both last shipped on October 18, 2026.

## The numbers

| Metric | FNB Direct | SECU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (51K ratings)](https://appshunter.io/ios/app/fnb-direct/id524987109/reviews) | **[4.9 (276K ratings)](https://appshunter.io/ios/app/secu/id1435916976/reviews)** |
| Number of ratings | 51K | **276K** |
| Positive reviews | 51.5% of reviews | **64.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 144 MB | 43 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [First National Bank of Pennsylvania](https://appshunter.io/developer/524987112) | [North Carolina State Employees' Credit Union](https://appshunter.io/developer/1435916975) |

## What reviewers say

### FNB Direct

[App page](https://appshunter.io/ios/app/fnb-direct/id524987109)

Manage your bank accounts, deposit checks, transfer funds, and pay bills conveniently from your mobile device. Access financial education, manage your debit card, and securely chat with support.

**Highlights:** Check account transactions and balances, Manage FNB Debit Card, Deposit checks, Transfer money and pay bills, Locate branches and ATMs, Access financial education and products, Secure chat support

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Years of great service
- 🚀 Convenient and easy to use
- 🚀 Excellent customer service
- 🚀 Remote deposit works great
- 🚀 Helpful features like credit score tracking

**What reviewers complain about**

- 🐛 Buggy, crashes frequently
- 🐛 Inconsistent functionality, features not always available
- 🐛 Check deposit issues, not always working
- 🐛 Slow transaction updates, balance not always accurate
- 🐛 Poor app design, small screen layout

**Reported bugs**

- Login issues, password reset problems
- Deposit failures due to 'amount mismatch'
- Frequent app crashes and freezes
- Compatibility issues with older devices

**Requested features**

- Improve transaction notifications to show details
- Allow IRA contributions directly through the app
- Integrate with more third-party apps like Venmo
- Provide clearer information on loan payments due


### SECU

[App page](https://appshunter.io/ios/app/secu/id1435916976)

Manage your finances on the go with this mobile banking app. View account balances, pay bills, transfer funds, and deposit checks securely. It also allows you to manage your cards and communicate with the institution through secure messaging.

**Highlights:** View account balances and transactions, Lock/unlock debit cards, Schedule and manage bill payments, Transfer funds between accounts, Deposit checks via mobile, Request loan advances, Secure messaging

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly app
- 🚀 Efficient mobile banking features
- 🔒 Secure transactions
- 💡 Convenient mobile check deposit
- 👍 Helpful and friendly customer service

**What reviewers complain about**

- 🐛 Unreliable mobile deposit
- 🐛 Inconsistent transaction history display
- 🐛 Frequent app crashes and glitches
- 🔍 Lack of advanced features (notes, recurring transfers)

**Reported bugs**

- Login screen issues causing lockouts
- Mobile deposit not recognizing check orientation
- Inconsistent app performance after iOS updates

**Requested features**

- Add notes/memos to transactions
- Enable recurring transfers between accounts
- Implement true landscape mode for tablets
- Improve email/text alert options


## Frequently asked questions

### Is FNB Direct free?

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

### Is SECU free?

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

### Which has better reviews, FNB Direct or SECU?

SECU is rated higher. FNB Direct averages 4.8 out of 5 from 51K ratings, while SECU averages 4.9 from 276K ratings.

### Do FNB Direct or SECU have ads?

Neither FNB Direct nor SECU shows ads.

### Which is updated more often, FNB Direct or SECU?

FNB Direct ships an update every 3 months, and SECU every 2 months. Most recently, FNB Direct was updated on October 18, 2026 and SECU on October 18, 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.*