# FNB Direct vs Madera

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.

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

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.

FNB Direct ships an update every 3 months, Madera every 3 weeks. The most recent releases landed on October 18, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | FNB Direct | Madera |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (51K ratings)](https://appshunter.io/ios/app/fnb-direct/id524987109/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/madera/id6781874357/reviews)** |
| Number of ratings | **51K** | 1 |
| Positive reviews | 51.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 144 MB | 22 MB |
| Requires iOS | 15.0 | **14.0.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [First National Bank of Pennsylvania](https://appshunter.io/developer/524987112) | [KerBer](https://appshunter.io/developer/1716236594) |

## 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


### Madera

[App page](https://appshunter.io/ios/app/madera/id6781874357)

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:** 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 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 18, 2026 and Madera on October 9, 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.*