# FNB Direct vs ARCFCU Cards

FNB Direct and ARCFCU Cards are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

FNB Direct ships an update every 3 months, ARCFCU Cards every 4 months. The most recent releases landed on October 27, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | FNB Direct | ARCFCU Cards |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (54K ratings)](https://appshunter.io/ios/app/fnb-direct/id524987109/reviews)** | — |
| Number of ratings | **54K** | — |
| Positive reviews | 51.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 4 months |
| Monetization | Free | — |
| Size | 144 MB | 39 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [First National Bank of Pennsylvania](https://appshunter.io/developer/524987112) | [ARC FEDERAL CREDIT UNION](https://appshunter.io/developer/1393186116) |

## 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


### ARCFCU Cards

[App page](https://appshunter.io/ios/app/arcfcu-cards/id6740535933)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is FNB Direct free?

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

### Is ARCFCU Cards free?

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

### Do FNB Direct or ARCFCU Cards have ads?

Neither FNB Direct nor ARCFCU Cards shows ads.

### Which is updated more often, FNB Direct or ARCFCU Cards?

FNB Direct ships an update every 3 months, and ARCFCU Cards every 4 months. Most recently, FNB Direct was updated on October 27, 2026 and ARCFCU Cards on October 10, 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.*