Whitaker Bank Mobile vs MCFCU Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Check account balances
- Transfer funds
- Pay bills
- Deposit checks
- Locate ATMs and banking centers
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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.
MCFCU Mobile
Manage your finances with a member-owned cooperative focused on community service and financial education. Offers top-quality financial products and services, returning profits to members through better rates and lower fees.
- Member-owned financial cooperative
- Community-focused service
- Financial education resources
- Better rates and lower fees
- Personal financial decision support
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Morehead Community Federal Credit Union (MCFCU) is a member-owned financial cooperative that has been serving the Rowan County community for over 40 years. Since we were chartered in 1978, we have been committed to providing excellent customer service and top quality financial products to our members and our community. MCFCU is a not-for-profit organization operated by members, for members—this means that after paying expenses and providing for capital, any money we earn is returned to our members in the form of better rates, lower fees, and improved service. We at MCFCU encourage savings and make a point to educate our members in making sound personal financial decisions. This philosophy of people helping people is a true representation of the spirit of credit unions and is the driving force behind our mission and vision: to make a positive difference in the financial lives of our members and the community we serve. We want to be the financial institution that our members choose first, use the most, and grow with throughout their lives. As a member and owner, you are a vital part of the MCFCU, and providing you with the very best of service and products is our goal. Rowan's top employers: Saint Clair Hospital, Morehead State University (MSU), Regal, Family Dollar, SRG
Screenshots
Verdict
The clearest difference is rating: MCFCU Mobile at 4.4 against Whitaker Bank Mobile's 1.9. Whitaker Bank Mobile's advantage is ratings volume (38 vs 5) and review sentiment (11% vs 0%). On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
MCFCU Mobile holds the better App Store score, 4.4 against 1.9. That said, the two scores are not equally well evidenced: Whitaker Bank Mobile has 38 ratings behind it against 5, so its average is the more settled of the two. Written reviews complicate that: 11% of Whitaker Bank Mobile's written reviews are positive against 0% of MCFCU Mobile's, so the app with the better star average is not the one people write more warmly about.
Whitaker Bank Mobile ships an update every 12 months, MCFCU Mobile every 11 months. Both last shipped on November 1, 2026.
| Parameter | Whitaker Bank Mobile | MCFCU Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 1.9 (38 ratings) | 4.4 (5 ratings) — better |
| Positive reviews | 10.7% of reviews — better | 0.0% of reviews |
| Number of ratings | 38 — better | 5 |
| Update frequency | Every 12 months | Every 11 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 93 MB | 33 MB |
| Age rating | 4+ | 4+ |
| Developer | Whitaker Bank | Morehead Community Federal Credit Union |
Customer experience
Whitaker Bank Mobile
MCFCU Mobile
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 moreShow fewer
- 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 moreShow fewer
- Implement PIN login after initial setup
MCFCU Mobile
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Whitaker Bank Mobile
No in-app purchases
MCFCU Mobile
No in-app purchases
Questions
Is Whitaker Bank Mobile free?
Is MCFCU Mobile free?
Which has better reviews, Whitaker Bank Mobile or MCFCU Mobile?
Do Whitaker Bank Mobile or MCFCU Mobile have ads?
Which is updated more often, Whitaker Bank Mobile or MCFCU Mobile?
Other comparisons
