Comparison

FNB Direct vs First Nat Mobile App

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

First Nat Mobile App

Manage your bank accounts on the go with this official mobile banking application. View balances, deposit checks remotely, transfer funds instantly, and control your debit and credit cards.

Highlights
  • View account balances
  • Mobile check deposit
  • Instant fund transfers
  • Card management
  • Branch locator
Features
Read full description

The First Nat Mobile App is the official app of First National Bank. The First Nat Mobile App is your one-stop place to view available balances, do a mobile deposit, make instant transfers, manage your cards and more! First National Bank is headquartered in Altavista, Virginia and has 18 retail branches across the state, ranging from Danville to Lynchburg to Charlottesville. Member FDIC, Equal Housing Lender

Screenshots

FNB Direct4 screens
First Nat Mobile App4 screens

Verdict

The call

The clearest difference is ads: FNB Direct at none against First Nat Mobile App's shown. FNB Direct also leads on ratings volume (51K vs 1.3K). On price, rating, review sentiment and update cadence 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

On the App Store both sit at effectively the same score — 4.8 for FNB Direct against 4.8 for First Nat Mobile App. That said, the two scores are not equally well evidenced: FNB Direct has 51K ratings behind it against 1.3K, so its average is the more settled of the two. Written reviews are what separate them: 50% of FNB Direct's written reviews are positive against 43% of First Nat Mobile App's.

UpkeepUpdate frequency

FNB Direct ships an update every 3 months, First Nat Mobile App every 4 months. The most recent releases landed on September 26, 2026 and September 22, 2026 respectively.

Scorecard2 real differences · 8 level
FNB Direct versus First Nat Mobile App: the parameters behind the verdict, then further details
ParameterFNB DirectFirst Nat Mobile App
PriceFreeFree
Rating4.8 (51K ratings)4.8 (1.3K ratings) — better
Positive reviews50.0% of reviews — better42.9% of reviews
Number of ratings51K — better1.3K
Update frequencyEvery 3 months — betterEvery 4 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size144 MB98 MB
Age rating4+4+
DeveloperFirst National Bank of PennsylvaniaFirst National Bank (VA)

Customer experience

FNB Direct

All ratings51,482 ratings
Positive95.4%
Neutral1.9%
Negative2.7%
Written reviews258 reviews
Positive50.0%
Neutral7.4%
Negative42.6%

First Nat Mobile App

All ratings1,198 ratings
Positive97.3%
Neutral1.3%
Negative1.3%
Written reviews14 reviews
Positive42.9%
Neutral0.0%
Negative57.1%

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

First Nat Mobile App

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

FNB Direct

No in-app purchases

None

First Nat Mobile App

No in-app purchases

Questions

Is FNB Direct free?
FNB Direct is free to download, with no in-app purchases.
Is First Nat Mobile App free?
First Nat Mobile App is free to download, with no in-app purchases.
Which has better reviews, FNB Direct or First Nat Mobile App?
First Nat Mobile App is rated higher. FNB Direct averages 4.8 out of 5 from 51K ratings, while First Nat Mobile App averages 4.8 from 1.3K ratings.
Do FNB Direct or First Nat Mobile App have ads?
First Nat Mobile App shows ads; FNB Direct does not.
Which is updated more often, FNB Direct or First Nat Mobile App?
FNB Direct ships an update every 3 months, and First Nat Mobile App every 4 months. Most recently, FNB Direct was updated on September 26, 2026 and First Nat Mobile App on September 22, 2026.

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