Comparison

Whitaker Bank Mobile vs CentralMOBILE

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

Head to head
About

Whitaker Bank Mobile

Manage your bank accounts conveniently from your mobile device. This free app provides secure and fast access to check balances, pay bills, transfer funds, and deposit checks. Easily locate ATMs and banking centers using your phone's GPS.

Highlights
  • Check account balances
  • Transfer funds
  • Pay bills
  • Deposit checks
  • Locate ATMs and banking centers
Features
Read full description

Whitaker Bank Mobile allows you to bank on the go. It’s free to download and offers quick access for managing your bank accounts. Check your balances, pay bills, transfer money, deposit checks, and locate ATMs and banking centers with just a touch. Our custom app is fast, secure and free. Use your current online banking login information to start banking today.* Features: •Check Account Balances •Transfer funds between accounts •Pay Bills** •Deposit Checks •Find our ATMs and Banking Centers using the GPS system provided by your iPhone.*** *Must be an Online Banking Customer **Online customers must first enroll and setup bill pay accounts prior to using these features. ***This is limited to locating our banking centers and ATMs. Please refer to your carrier for any data usage fees that may apply.

About

CentralMOBILE

Manage your bank accounts on the go with this mobile banking app. Deposit checks, pay bills, transfer funds, and find nearby branches or ATMs. Access Zelle for fast, secure money transfers to friends and family.

Highlights
  • Mobile check deposit
  • View account balances and transactions
  • Transfer funds between accounts
  • Pay bills and manage payments
  • Send money with Zelle
  • Find bank branches and ATMs
Features
Read full description

Securely bank wherever and whenever you want with CentralMOBILE from Central Bank. Available for free to all Central Bank CentralNET customers, CentralMOBILE allows you to deposit checks, pay bills, view account activity, find locations and more. REGISTER - To use CentralMOBILE, you must first be enrolled in CentralNET online banking. To use the CentralMOBILE APP, simply download the APP, to use the browser you will need to register your device in CentralNET to receive the browser address and an activation code. FEATURES: MOBILE CHECK DEPOSIT - Snap photos of checks and deposit them right from your smartphone. Just sign the back snap, and send. CHECK BALANCES – See your latest checking and savings account balances and recent transactions. TRANSFER FUNDS - Easily transfer cash between your eligible Central Bank accounts. PAY BILLS - Make one-time payments from anywhere and change or cancel pending payments you have entered through CentralMOBILE or CentralNET online banking. ACCESS TO ZELLE® – Provides a fast, safe and easy way to send money to those you know and trust.* Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply. *Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle FIND LOCATIONS - Find nearby Central Bank branches and ATMs using the iPhone's built-in GPS. Additionally, you can search by Zip code or address. www.centralbank.com Central Bank & Trust Co. is a wholly owned subsidiary of Central Bancshares, Lexington, Kentucky.

Screenshots

Whitaker Bank Mobile4 screens
CentralMOBILE4 screens

Verdict

The call

The clearest difference is rating: CentralMOBILE at 4.8 against Whitaker Bank Mobile's 1.9. CentralMOBILE also leads on review sentiment (37% vs 11%) and ratings volume (4.6K vs 38). Whitaker Bank Mobile's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases, device support and iOS requirement 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

CentralMOBILE holds the better App Store score, 4.8 against 1.9. That said, the two scores are not equally well evidenced: CentralMOBILE has 4.6K ratings behind it against 38, so its average is the more settled of the two. Written reviews point the same way: 11% of Whitaker Bank Mobile's written reviews are positive against 37% of CentralMOBILE's.

UpkeepUpdate frequency

Whitaker Bank Mobile ships an update every 12 months, CentralMOBILE every 3 months. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.

Scorecard6 real differences · 4 level
Whitaker Bank Mobile versus CentralMOBILE: the parameters behind the verdict, then further details
ParameterWhitaker Bank MobileCentralMOBILE
PriceFreeFree
Rating1.9 (38 ratings)4.8 (4.6K ratings) — better
Positive reviews10.7% of reviews37.3% of reviews — better
Number of ratings384.6K — better
Update frequencyEvery 12 monthsEvery 3 months — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size93 MB112 MB
Age rating4+4+
DeveloperWhitaker BankCENTRAL BANK & TRUST COMPANY

Customer experience

Whitaker Bank Mobile

All ratings18 ratings
Positive27.8%
Neutral0.0%
Negative72.2%
Written reviews84 reviews
Positive10.7%
Neutral8.3%
Negative81.0%

CentralMOBILE

All ratings4,326 ratings
Positive95.2%
Neutral1.5%
Negative3.3%
Written reviews83 reviews
Positive37.3%
Neutral4.8%
Negative57.8%

User reviews

Whitaker Bank Mobile

From 38 App Store ratings

What we love

  • 👍 Convenient mobile deposits
  • 👍 Easy balance checking
  • 👍 Useful for on-the-go banking

Room to improve

  • 🐛 App frequently down
  • 🐛 Login issues persistent
  • 🐛 System errors common
  • 🐛 App crashes often
  • 🐛 Outdated features

CentralMOBILE

From 4.6K App Store ratings

What we love

  • 👍 Helpful customer service
  • 💡 Useful mobile deposit feature
  • 🚀 Smooth app experience when working

Room to improve

  • 🐛 Frequent app crashes and login issues
  • ⚠️ Unreliable app performance and availability
  • 🔍 Lack of transparency around maintenance and downtime

Bugs and requests

Whitaker Bank Mobile

Reported bugs

43 issues
  • Cannot get smart card to pull up
  • App randomly goes down for weeks
  • App consistently out of date
  • App randomly stops working frequently
  • App goes down like a fat kid on a seesaw
Show 38 more
  • iOS app not working
  • System error when logging in
  • App has been down for days
  • App crashes and won't let me log on
  • App forgets biometric login info
  • App pops up and closes right back down
  • Camera has not worked for months
  • Mobile deposit camera does not rotate or function properly
  • Remote deposit no longer works
  • App won't load or use Face ID
  • App crashes constantly
  • App has constant issues and glitches
  • App is not dependable
  • App is useless
  • App stopped working after last iPhone update
  • App crashes 100% when transferring funds
  • Invalid ID or password errors
  • No place to put password, invalid ID or password
  • Cannot log in for over two weeks
  • App isn't typically reliable, recently totally unusable
  • Cannot log in 60% of the time
  • App doesn't post stuff the day of
  • App has been down for awhile
  • App never works
  • App is always down
  • App is broken
  • App is terrible
  • App never works!!
  • App doesn't work most of the time
  • App has not worked in days
  • App not working
  • App is trash
  • App is horrible
  • App is literally the worst ever
  • App needs fixes
  • App is limited
  • App is garbage
  • App is not working

Requested features

6 requests
  • Invest in app development
  • Add tap-to-pay for debit cards
  • Improve app features
  • Make app compatible with iPhone 14 Pro models
  • Allow password pasting
Show 1 more
  • Implement PIN login after initial setup

CentralMOBILE

Reported bugs

3 issues
  • App incompatibility with iOS 16
  • Persistent login and connectivity problems
  • Inconsistent Face ID/Touch ID functionality

Requested features

3 requests
  • Ability to view transaction details and receipts
  • Improved account management features
  • Seamless integration with newer iOS versions

In-app purchases

None

Whitaker Bank Mobile

No in-app purchases

None

CentralMOBILE

No in-app purchases

Questions

Is Whitaker Bank Mobile free?
Whitaker Bank Mobile is free to download, with no in-app purchases.
Is CentralMOBILE free?
CentralMOBILE is free to download, with no in-app purchases.
Which has better reviews, Whitaker Bank Mobile or CentralMOBILE?
CentralMOBILE is rated higher. Whitaker Bank Mobile averages 1.9 out of 5 from 38 ratings, while CentralMOBILE averages 4.8 from 4.6K ratings.
Do Whitaker Bank Mobile or CentralMOBILE have ads?
CentralMOBILE shows ads; Whitaker Bank Mobile does not.
Which is updated more often, Whitaker Bank Mobile or CentralMOBILE?
Whitaker Bank Mobile ships an update every 12 months, and CentralMOBILE every 3 months. Most recently, Whitaker Bank Mobile was updated on October 24, 2026 and CentralMOBILE on October 29, 2026.

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