Comparison

Centra Mobile vs First Merchants Mobile App

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

Head to head
About

Centra Mobile

Manage your finances on the go with this banking app. Deposit checks, send money, pay bills, and track your spending and budget. You can also manage your debit cards and set up account alerts.

Highlights
  • Deposit checks remotely
  • Send money with Zelle®
  • Manage debit cards
  • Pay bills and set up recurring payments
  • Track spending and balances
  • Create budgets and track income
Features
Read full description

Banking digitally at Centra means you can transfer money, pay bills, send money to friends, and monitor your account activity from anywhere, anytime. Features: DEPOSIT CHECKS Save yourself a trip by quickly snapping photos of your check to deposit into your account. SEND MONEY IN THE MOMENT WITH ZELLE® Send money to friends, family, and others you know and trust. MANAGE YOUR CARDS Protect your money by defining when, where, and how your Centra debit cards are used. PAY BILLS Use Bill Pay to pay bills quickly or create convenient recurring payments. TRACK YOUR SPENDING Stay on top of your transactions and balances by creating customized account alerts. MAKE A BUDGET Meet your savings goals by easily tracking expenses and income. Federally Insured by NCUA.

About

First Merchants Mobile App

Manage your finances conveniently from your mobile device. Check balances, transfer funds, pay bills, deposit checks, and send money to others. Locate nearby branches and ATMs easily.

Highlights
  • Check account balances and transactions
  • Transfer money between accounts
  • Pay bills and view history
  • Deposit checks remotely
  • Send and receive person-to-person payments
  • Find nearby branches and ATMs
Read full description

Start banking wherever you are with the First Merchants Mobile App! First Merchants Mobile App allows you to check balances, make transfers, pay bills, deposit checks, make person-to-person payments, and find locations where you can speak to our welcoming and attentive bankers. Available features include: Accounts - Check your latest account balances and search recent transactions by date, amount, or check number. Transfers - Easily transfer money between your accounts. Bill Pay - Pay bills and review bill payment history from your device. Check Deposit - Deposit checks while on the go. Person-to-Person Payments - Send money immediately to another person. - Claim money received while on the go. Locations - Find nearby branches and ATMs while using the mobile device’s built-in GPS or search by ZIP code or address.

Screenshots

Centra Mobile4 screens
First Merchants Mobile App4 screens

Verdict

The call

The clearest difference is ads: Centra Mobile at none against First Merchants Mobile App's shown. Centra Mobile also leads on update cadence (every 2 months vs every 5 months). First Merchants Mobile App's advantage is monetization model (free vs free with in-app purchases). On price, rating, review sentiment and ratings volume 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 Centra Mobile against 4.7 for First Merchants Mobile App. Both are backed by a comparable volume of ratings — 12K and 29K respectively. Written reviews are what separate them: 82% of Centra Mobile's written reviews are positive against 79% of First Merchants Mobile App's.

UpkeepUpdate frequency

Centra Mobile ships an update every 2 months, First Merchants Mobile App every 5 months. Both last shipped on October 30, 2026.

Scorecard3 real differences · 7 level
Centra Mobile versus First Merchants Mobile App: the parameters behind the verdict, then further details
ParameterCentra MobileFirst Merchants Mobile App
PriceFreeFree
Rating4.9 (12K ratings) — better4.7 (29K ratings)
Positive reviews82.4% of reviews — better79.0% of reviews
Number of ratings12K29K — better
Update frequencyEvery 2 months — betterEvery 5 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad, Apple Watch — better
Requires iOS16.016.0
Further details — not scored
Size180 MB57 MB
Age rating4+4+
DeveloperCentra Credit UnionFirst Merchants Corporation

Customer experience

Centra Mobile

All ratings12,298 ratings
Positive98.0%
Neutral1.4%
Negative0.6%
Written reviews85 reviews
Positive82.4%
Neutral2.4%
Negative15.3%

First Merchants Mobile App

All ratings27,447 ratings
Positive94.9%
Neutral2.3%
Negative2.8%
Written reviews657 reviews
Positive79.0%
Neutral6.7%
Negative14.3%

User reviews

Centra Mobile

From 12K App Store ratings

What we love

  • 🚀 Fast and efficient
  • 👍 User-friendly and easy to navigate
  • 💳 Convenient banking features
  • 🔒 Secure and reliable
  • 💡 Great customer service

Room to improve

  • 🐛 Occasional crashes and freezes
  • 🔒 Strict security measures can be inconvenient
  • 💳 Limited functionality for loan payments
  • 🔍 Difficulty finding certain information

First Merchants Mobile App

From 29K App Store ratings

What we love

  • 💳 Convenient mobile banking features
  • 🔒 Secure authentication options
  • 💰 Helpful with managing finances
  • 🤝 Friendly and knowledgeable staff
  • 📲 Easy to use mobile app

Room to improve

  • 🐛 Frequent app crashes and login issues
  • 🔍 Difficult to navigate and find features
  • 🔒 Unreliable biometric authentication
  • 💳 Issues with mobile check deposits
  • 🔄 Confusing app updates and changes

Bugs and requests

Centra Mobile

Reported bugs

3 issues
  • Login issues after app update
  • Landscape mode and printing not working
  • Frequent disconnections of external accounts

Requested features

4 requests
  • Ability to pay extra on loan principal
  • Improved Zelle integration
  • More customization options
  • Expanded account linking capabilities

First Merchants Mobile App

Reported bugs

5 issues
  • Inconsistent Face ID/Touch ID support
  • Repeated requests for login credentials
  • Inability to view all linked accounts
  • Delayed transaction posting and balance updates
  • Glitches when depositing larger checks

Requested features

5 requests
  • Add running balance display in transactions
  • Improve bill pay functionality and visibility
  • Enable transfers between all account types
  • Provide more customization options in the app
  • Integrate account notifications and alerts

In-app purchases

None

Centra Mobile

No in-app purchases

None

First Merchants Mobile App

No in-app purchases

Questions

Is Centra Mobile free?
Centra Mobile is free to download, with no in-app purchases.
Is First Merchants Mobile App free?
First Merchants Mobile App is free to download, with no in-app purchases.
Which has better reviews, Centra Mobile or First Merchants Mobile App?
Centra Mobile is rated higher. Centra Mobile averages 4.9 out of 5 from 12K ratings, while First Merchants Mobile App averages 4.7 from 29K ratings.
Do Centra Mobile or First Merchants Mobile App have ads?
First Merchants Mobile App shows ads; Centra Mobile does not.
Which is updated more often, Centra Mobile or First Merchants Mobile App?
Centra Mobile ships an update every 2 months, and First Merchants Mobile App every 5 months. Most recently, Centra Mobile was updated on October 30, 2026 and First Merchants Mobile App on October 30, 2026.

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