# FNB Direct vs MyConfluence

The clearest difference is review sentiment: FNB Direct at 52% against MyConfluence's 0%. FNB Direct also leads on rating (4.8 vs 4.2) and ratings volume (54K vs 6). MyConfluence's advantage is update cadence (every 6 weeks vs every 3 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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

FNB Direct holds the better App Store score, 4.8 against 4.2. That said, the two scores are not equally well evidenced: FNB Direct has 54K ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 52% of FNB Direct's written reviews are positive against 0% of MyConfluence's.

FNB Direct ships an update every 3 months, MyConfluence every 6 weeks. The most recent releases landed on November 9, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | FNB Direct | MyConfluence |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (54K ratings)](https://appshunter.io/ios/app/fnb-direct/id524987109/reviews)** | [4.2 (6 ratings)](https://appshunter.io/ios/app/myconfluence/id6744703008/reviews) |
| Number of ratings | **54K** | 6 |
| Positive reviews | **51.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 6 weeks** |
| Monetization | Free | Free |
| Size | 144 MB | 143 MB |
| Requires iOS | **15.0** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [First National Bank of Pennsylvania](https://appshunter.io/developer/524987112) | [Confluence Wealth Services, Inc.](https://appshunter.io/developer/1808976331) |

## 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


### MyConfluence

[App page](https://appshunter.io/ios/app/myconfluence/id6744703008)

Access your financial plan, investment accounts, and important documents securely. This platform keeps you connected to your financial world anytime, anywhere. Requires authorization as a Confluence Financial Partners client.

**Highlights:** Access financial plan, View investment accounts, Secure document storage, Intuitive platform, Anytime, anywhere access

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

**In-app purchases:** none


## Frequently asked questions

### Is FNB Direct free?

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

### Is MyConfluence free?

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

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

FNB Direct is rated higher. FNB Direct averages 4.8 out of 5 from 54K ratings, while MyConfluence averages 4.2 from 6 ratings.

### Do FNB Direct or MyConfluence have ads?

Neither FNB Direct nor MyConfluence shows ads.

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

FNB Direct ships an update every 3 months, and MyConfluence every 6 weeks. Most recently, FNB Direct was updated on November 9, 2026 and MyConfluence on November 8, 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.*