Comparison

FNBOTN Mobile vs UCFCU Mobile

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

Head to head
About

FNBOTN Mobile

Manage your finances on the go with this mobile banking application. Check account balances, review recent transactions, transfer funds between accounts, and pay bills directly from your smartphone. It offers convenient access to your banking needs anytime, anywhere.

Highlights
  • Check account balances
  • View recent transactions
  • Transfer funds between accounts
  • Pay bills
  • Revise scheduled payments
  • Review paid bills
Features
Read full description

Start banking wherever you are with FNBOTN Mobile! Available to all online banking customers of the First National Bank of Tennessee, FNBOTN Mobile allows you to check balances and recent transactions, transfer funds and pay bills, all from your phone. Available features include: Accounts - Check your latest account balance and search recent transactions by date, amount or check number. Transfers - Easily transfer cash between your accounts. Bill Pay - Pay new bills, revise bills scheduled to be paid, and review previously paid bills. All features may not be available in the tablet application.

About

UCFCU Mobile

Manage your finances on the go with this secure mobile banking app. Check balances, transfer funds, deposit checks, and pay bills easily. Organize transactions with notes and photos, and find nearby branches and ATMs.

Highlights
  • Check account balances and set alerts
  • Organize transactions with tags, notes, and photos
  • Transfer funds between accounts
  • Deposit checks remotely
  • Make payments to companies and friends
  • View and save monthly statements
  • Find branches and ATMs
  • Aggregate financial accounts
  • Secure with passcode or biometrics
Features
Read full description

Experience the power of UCFCU Banking at your fingertips with UCFCU Mobile! It’s simple, fast, and secure, just as mobile banking should be. Here are some of the many things that you can do with UCFCU Mobile: - Check your balance or set up alerts so you can be notified of balance changes automatically - Keep your transactions organized with the ability to add tags, notes, and photos of receipts and checks - Transfer funds between your accounts - Deposit checks in a snap with our built-in mobile deposit feature - Make payments, whether you’re paying a company or a friend - View and save your monthly statements - Find branches and ATMs near you - Aggregate Your financial accounts - Secure your account with a 4-digit passcode or biometric on supported devices.

Screenshots

FNBOTN Mobile4 screens
UCFCU Mobile4 screens

Verdict

The call

FNBOTN Mobile and UCFCU Mobile both sit at 4.9 stars, but that hides the real split: 79% of FNBOTN Mobile's written reviews are positive against 67% of UCFCU Mobile's. FNBOTN Mobile also leads on ratings volume (4.4K vs 752) and iOS requirement (15.0 vs 18.4). On price, rating, update cadence and ads 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 — 4.9 for FNBOTN Mobile against 4.9 for UCFCU Mobile. That said, the two scores are not equally well evidenced: FNBOTN Mobile has 4.4K ratings behind it against 752, so its average is the more settled of the two. Written reviews are what separate them: 79% of FNBOTN Mobile's written reviews are positive against 67% of UCFCU Mobile's.

UpkeepUpdate frequency

FNBOTN Mobile ships an update every 2 months, UCFCU Mobile monthly. The most recent releases landed on September 22, 2026 and September 23, 2026 respectively.

Scorecard3 real differences · 7 level
FNBOTN Mobile versus UCFCU Mobile: the parameters behind the verdict, then further details
ParameterFNBOTN MobileUCFCU Mobile
PriceFreeFree
Rating4.9 (4.4K ratings)4.9 (752 ratings)
Positive reviews78.8% of reviews — better66.7% of reviews
Number of ratings4.4K — better752
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better18.4
Further details — not scored
Size148 MB177 MB
Age rating4+4+
DeveloperFirst National Bank of TennesseeUpper Cumberland Federal Credit Union

Customer experience

FNBOTN Mobile

All ratings4,415 ratings
Positive97.1%
Neutral1.5%
Negative1.4%
Written reviews99 reviews
Positive78.8%
Neutral5.1%
Negative16.2%

UCFCU Mobile

All ratings752 ratings
Positive97.3%
Neutral1.3%
Negative1.3%
Written reviews6 reviews
Positive66.7%
Neutral16.7%
Negative16.7%

Bugs and requests

FNBOTN Mobile

Reported bugs

3 issues
  • App not loading or freezing on launch
  • Incorrect account balances or transaction details
  • Inability to sign in or access certain features

Requested features

4 requests
  • Mobile check deposit
  • Apple Pay integration
  • Customizable account alerts
  • Improved transaction history and reporting

UCFCU Mobile

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

FNBOTN Mobile

No in-app purchases

None

UCFCU Mobile

No in-app purchases

Questions

Is FNBOTN Mobile free?
FNBOTN Mobile is free to download, with no in-app purchases.
Is UCFCU Mobile free?
UCFCU Mobile is free to download, with no in-app purchases.
Which has better reviews, FNBOTN Mobile or UCFCU Mobile?
FNBOTN Mobile and UCFCU Mobile are both rated 4.9 out of 5 on the App Store, from 4.4K and 752 ratings respectively.
Do FNBOTN Mobile or UCFCU Mobile have ads?
Neither FNBOTN Mobile nor UCFCU Mobile shows ads.
Which is updated more often, FNBOTN Mobile or UCFCU Mobile?
FNBOTN Mobile ships an update every 2 months, and UCFCU Mobile monthly. Most recently, FNBOTN Mobile was updated on September 22, 2026 and UCFCU Mobile on September 23, 2026.

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