Comparison

FNB Direct vs Madera

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

Head to head
About

FNB Direct

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
Read full description

Redefining Convenience in Banking! FNB Direct, First National Bank’s mobile banking app, makes it easier than ever to bank on the go, right from your mobile device. Quickly check account transactions and balances, manage your FNB Debit Card, deposit checks, transfer money, pay your friends (or the bills), and even locate a convenient FNB branch or ATM. Features: Quick and Easy Enrollment: Don’t have online access? Simply download the FNB Direct Mobile Banking app and enroll from your device. After you establish your User ID and Password within Mobile Banking, you can use the same login information to access Online Banking. eStore®: eStore is an innovative digital banking experience that enables you to shop for and buy financial products and services, and access financial education resources. Open a deposit account, apply for a consumer or small business loan or schedule an appointment to meet with one of our banking experts – just add the product to your shopping cart and checkout. You can access eStore from anywhere – via our website, through our mobile app or in branches throughout our footprint. Direct Deposit Switch: With Direct Deposit Switch, you can easily establish or switch your direct deposit securely within our Online and Mobile Banking services. No need to fill out any paper forms. Simply log in and make the switch. It's simple, safe and takes only minutes. Payment Switch: With Payment Switch, you can quickly and easily update your payment methods at top providers like Verizon, Amazon, Netflix, and more. Credit Center: The Credit Center provides you with access to your latest credit score, gives you an understanding of the key factors that impact your score and may even be able to save you money with special offers. Secure Chat Support: Enjoy the convenience of chatting with a Customer Contact Center agent without having to place a call. Simply tap the blue Chat icon in Mobile Banking to get started. Please note that the Chat feature may not be available at all times. CardGuard™: You have the convenience and peace of mind to manage your FNB Debit Card through Online and Mobile Banking. Control where and how your debit card can be used by enabling or disabling your card, setting spending limits by dollar amount, restricting card usage at certain merchants by category and limiting card usage to specific geographic locations. Online Statements: View or download copies of your Online Statements within Mobile Banking. Send Money with Zelle®: With Zelle® and First National Bank, you can use Mobile Banking to quickly and easily send and receive money. Advanced Biometric Security: Securely and conveniently log in with Touch ID® (iPhone 5s or later) or Face ID® (iPhone X or later). View Check Images & Running Balance: You can view the front and back of checks that have cleared your account in addition to seeing your running account balance. Make Deposits: Deposit your check quickly and easily by using the app to take a picture of the front and back of your check; simply enter your deposit information, center the check and we’ll take the picture for you. Actionable Alerts: Customize alerts and notifications to stay on top of account activity in near real-time. Account Information: View up-to-date information about your FNB accounts, including pending transactions. Transfer Money: Transfer money between your FNB accounts. The FNB Direct app is free to install. Message and data rates from your mobile carrier may apply. System availability and response time are subject to market conditions. For general support call our Customer Contact Center at 1-800-555-5455, Monday through Friday from 8:00 AM – 9:00 PM, or Saturday and Sunday from 8:00 AM – 5:00 PM. Member FDIC. Apple is a registered trademark of Apple, Inc. Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

About

Madera

This app provides financial tools and definitions for mergers and acquisitions. Learn business terms and utilize calculators for financial analysis and deal structuring.

Highlights
  • Financial term definitions
  • Mergers & Acquisitions tools
  • Lehman Calculator
  • DCF Calculator
  • Business Structure Computer
  • LOI PDF Generator
Features
Read full description

800 lb Gorilla! No, not the ape. This term is used to describe a party with significantly greater commercial leverage than its counterparties on a deal. Learn More terms such as this, along with a range of financial tools to help with Mergers & Acquisitions. Tools: Lehman Calculator DCF Calculator Business Structure Computer ESO Calculator LOI PDF Generator The information contained herein is not legal advice and should not be construed as such.

Screenshots

FNB Direct4 screens
Madera2 screens

Verdict

The call

The clearest difference is update cadence: Madera at every 3 weeks against FNB Direct's every 3 months. Madera also leads on rating (5.0 vs 4.8). FNB Direct's advantage is ratings volume (51K vs 1). On price, ads, in-app purchases and monetization model 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

Madera holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: FNB Direct has 51K ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

FNB Direct ships an update every 3 months, Madera every 3 weeks. The most recent releases landed on October 17, 2026 and October 9, 2026 respectively.

Scorecard3 real differences · 7 level
FNB Direct versus Madera: the parameters behind the verdict, then further details
ParameterFNB DirectMadera
PriceFreeFree
Rating4.8 (51K ratings)5.0 (1 ratings) — better
Positive reviews51.5% of reviews—
Number of ratings51K — better1
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.014.0.0 — better
Further details — not scored
Size144 MB22 MB
Age rating4+17+
DeveloperFirst National Bank of PennsylvaniaKerBer

Customer experience

FNB Direct

All ratings51,482 ratings
Positive95.4%
Neutral1.9%
Negative2.7%
Written reviews266 reviews
Positive51.5%
Neutral7.1%
Negative41.4%

Madera

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

FNB Direct

Reported bugs

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

Requested features

4 requests
  • 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

Madera

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

FNB Direct

No in-app purchases

None

Madera

No in-app purchases

Questions

Is FNB Direct free?
FNB Direct is free to download, with no in-app purchases.
Is Madera free?
Madera is free to download, with no in-app purchases.
Which has better reviews, FNB Direct or Madera?
Madera is rated higher. FNB Direct averages 4.8 out of 5 from 51K ratings, while Madera averages 5.0 from 1 ratings.
Do FNB Direct or Madera have ads?
Neither FNB Direct nor Madera shows ads.
Which is updated more often, FNB Direct or Madera?
FNB Direct ships an update every 3 months, and Madera every 3 weeks. Most recently, FNB Direct was updated on October 17, 2026 and Madera on October 9, 2026.

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