# FNBOTN Mobile vs UCFCU Mobile

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.

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

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.

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.

## The numbers

| Metric | FNBOTN Mobile | UCFCU Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (4.4K ratings)](https://appshunter.io/ios/app/fnbotn-mobile/id549873715/reviews) | [4.9 (752 ratings)](https://appshunter.io/ios/app/ucfcu-mobile/id1623862396/reviews) |
| Number of ratings | **4.4K** | 752 |
| Positive reviews | **78.8% of reviews** | 66.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | Free | Free |
| Size | 148 MB | 177 MB |
| Requires iOS | **15.0** | 18.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [First National Bank of Tennessee](https://appshunter.io/developer/549873724) | [Upper Cumberland Federal Credit Union](https://appshunter.io/developer/871305465) |

## What reviewers say

### FNBOTN Mobile

[App page](https://appshunter.io/ios/app/fnbotn-mobile/id549873715)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Fast and responsive app
- 💡 Convenient mobile banking features
- 🔒 Secure transactions
- 🤝 Friendly and helpful staff

**What reviewers complain about**

- 🔍 Cluttered and outdated visual design
- 🐛 Frequent crashes and login issues
- 📱 Compatibility problems with newer devices
- 🔧 Lack of feature updates and improvements

**Reported bugs**

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

**Requested features**

- Mobile check deposit
- Apple Pay integration
- Customizable account alerts
- Improved transaction history and reporting


### UCFCU Mobile

[App page](https://appshunter.io/ios/app/ucfcu-mobile/id1623862396)

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:** Apple Wallet

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*