# SWNB vs Meritrust Mobile

SWNB and Meritrust Mobile both sit at 4.4 stars, but that hides the real split: 69% of SWNB's written reviews are positive against 16% of Meritrust Mobile's. Meritrust Mobile's advantage is ratings volume (7.8K vs 399) and update cadence (every 2 months vs every 5 months). On price, rating, ads and in-app purchases there is nothing between them.

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

Meritrust Mobile holds the better App Store score, 4.6 against 4.4. That said, the two scores are not equally well evidenced: Meritrust Mobile has 7.8K ratings behind it against 399, so its average is the more settled of the two. Written reviews complicate that: 69% of SWNB's written reviews are positive against 16% of Meritrust Mobile's, so the app with the better star average is not the one people write more warmly about.

SWNB ships an update every 5 months, Meritrust Mobile every 2 months. The most recent releases landed on October 8, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | SWNB | Meritrust Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (399 ratings)](https://appshunter.io/ios/app/swnb/id583363450/reviews) | **[4.6 (7.8K ratings)](https://appshunter.io/ios/app/meritrust-mobile/id6444189039/reviews)** |
| Number of ratings | 399 | **7.8K** |
| Positive reviews | **68.6% of reviews** | 16.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 30 MB | 19 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Southwest National Bank](https://appshunter.io/developer/583363455) | [Meritrust Credit Union](https://appshunter.io/developer/457535062) |

## What reviewers say

### SWNB

[App page](https://appshunter.io/ios/app/swnb/id583363450)

Manage your finances on the go with this mobile banking app. Check balances, transfer funds, view transactions, and send secure messages anytime, anywhere. It also provides access to branch information and allows for mobile deposits.

**Highlights:** Check balances 24/7, Transfer funds, View transaction history, Send and receive secure messages, Mobile deposit

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient online banking
- 💡 Helpful for managing accounts
- 🔒 Secure login options
- 👍 Straightforward navigation

**What reviewers complain about**

- 🐛 Occasional glitches and crashes
- 🔍 Limited functionality compared to other banking apps
- 🚧 Outdated and unintuitive user interface
- 💰 Charges for online payments
- 🔒 Frequent password resets causing lockouts

**Reported bugs**

- Inconsistent balance display
- Issues with online payment processing
- Unreliable mobile check deposit feature

**Requested features**

- Mobile check deposit
- Real-time transaction details
- Improved account management tools
- Seamless integration with other banking services


### Meritrust Mobile

[App page](https://appshunter.io/ios/app/meritrust-mobile/id6444189039)

Manage your finances on the go with this mobile banking app. Easily view account details, make payments, transfer funds, and deposit checks securely. Locate branches and ATMs for convenient access to your money anytime, anywhere.

**Highlights:** View account balances and transaction history, Pay bills, Transfer funds between accounts, Deposit checks, Locate branches or ATMs

**In-app purchases:** none

**What reviewers like**

- 🙂 Kind and helpful staff
- 👍 Accessible for visually impaired users
- 💡 Customizable app layout

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- ⏱️ Slow loading times
- 🤔 Confusing and outdated user interface
- 🔍 Lack of important features from previous app
- 🤯 Forced migration to new app with poor user experience

**Reported bugs**

- Scheduled payments not processing correctly
- Incorrect account balance information
- Login issues and inability to access accounts

**Requested features**

- Bring back quick balance widget
- Improve transaction search and filtering
- Add support for landscape mode on tablets


## Frequently asked questions

### Is SWNB free?

SWNB is free to download, with no in-app purchases.

### Is Meritrust Mobile free?

Meritrust Mobile is free to download, with no in-app purchases.

### Which has better reviews, SWNB or Meritrust Mobile?

Meritrust Mobile is rated higher. SWNB averages 4.4 out of 5 from 399 ratings, while Meritrust Mobile averages 4.6 from 7.8K ratings.

### Do SWNB or Meritrust Mobile have ads?

Neither SWNB nor Meritrust Mobile shows ads.

### Which is updated more often, SWNB or Meritrust Mobile?

SWNB ships an update every 5 months, and Meritrust Mobile every 2 months. Most recently, SWNB was updated on October 8, 2026 and Meritrust Mobile on October 16, 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.*