Comparison

FNBCT Mobile vs CBTWaco

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

Head to head
About

FNBCT Mobile

Manage your finances with this secure and fast mobile tool. Set up alerts, make payments, transfer funds, deposit checks, and manage your debit card. Find nearby branches and ATMs easily.

Highlights
  • Set up balance alerts
  • Make payments to companies and friends
  • Transfer money between accounts
  • Deposit checks via photo
  • Manage debit cards (reorder/turn off)
  • View and save monthly statements
  • Find branches and ATMs
Features
Read full description

FNBCT Mobile is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what you can do with FNBCT Mobile: •Set up alerts so you know when your balance drops below a certain amount •Make payments, whether you’re paying a company or a friend •Transfer money between your accounts •Deposit checks in a snap by taking a picture of the front and back •Reorder your debit card or turn it off if you’ve misplaced it •View and save your monthly statements •Find branches and ATMs near you Secure your account with a 4-digit passcode or biometric on supported devices.

About

CBTWaco

Manage your finances on the go with this banking app. Check balances, transfer funds, pay bills, and deposit checks using your device's camera. Secure sign-on options like Touch ID and Face ID are available.

Highlights
  • Account balance checks
  • Transaction search
  • Inter-account transfers
  • Bill payment
  • Payee management
  • Mobile check deposit
  • Biometric login
Features
Read full description

Start banking wherever you are with Community Bank & Trust Mobile Banking app. Available to all Community Bank & Trust online banking customers. 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: •Make payments and view recent and scheduled payments. Manage Payees: •Ability to add new payees, existing payers, or delete payees directly from the mobile app. Deposits: •Submit check deposits using your device’s camera. Touch ID/Face ID: •Touch ID/Face ID allows you to use a secure and more efficient sign-on experience using your fingerprint or facial recognition.

Screenshots

FNBCT Mobile4 screens
CBTWaco4 screens

Verdict

The call

The clearest difference is update cadence: FNBCT Mobile at monthly against CBTWaco's every 3 months. FNBCT Mobile also leads on ratings volume (2.1K vs 170) and review sentiment (63% vs 50%). CBTWaco's advantage is iOS requirement (15.5 vs 18.4). On price, rating, 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

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 — 4.8 for FNBCT Mobile against 4.8 for CBTWaco. That said, the two scores are not equally well evidenced: FNBCT Mobile has 2.1K ratings behind it against 170, so its average is the more settled of the two. Written reviews are what separate them: 63% of FNBCT Mobile's written reviews are positive against 50% of CBTWaco's.

UpkeepUpdate frequency

FNBCT Mobile ships an update monthly, CBTWaco every 3 months. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

Scorecard5 real differences · 5 level
FNBCT Mobile versus CBTWaco: the parameters behind the verdict, then further details
ParameterFNBCT MobileCBTWaco
PriceFreeFree
Rating4.8 (2.1K ratings) — better4.8 (170 ratings)
Positive reviews63.0% of reviews — better50.0% of reviews
Number of ratings2.1K — better170
Update frequencyMonthly — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPadiPhone, iPod
Requires iOS18.415.5 — better
Further details — not scored
Size199 MB199 MB
Age rating12+4+
DeveloperThe First National Bank of Central TexasCommunity Bank & Trust’s Mobile Community

Customer experience

FNBCT Mobile

All ratings2,058 ratings
Positive95.6%
Neutral1.7%
Negative2.6%
Written reviews27 reviews
Positive63.0%
Neutral7.4%
Negative29.6%

CBTWaco

All ratings10 ratings
Positive60.0%
Neutral0.0%
Negative40.0%
Written reviews4 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Bugs and requests

FNBCT Mobile

Reported bugs

3 issues
  • App won't open on older devices
  • Deposit process requires multiple photo attempts
  • Notifications send duplicate transactions

Requested features

3 requests
  • Higher mobile deposit limit
  • Restore previous notification system
  • Display account balance after transactions

CBTWaco

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

FNBCT Mobile

No in-app purchases

None

CBTWaco

No in-app purchases

Questions

Is FNBCT Mobile free?
FNBCT Mobile is free to download, with no in-app purchases.
Is CBTWaco free?
CBTWaco is free to download, with no in-app purchases.
Which has better reviews, FNBCT Mobile or CBTWaco?
FNBCT Mobile is rated higher. FNBCT Mobile averages 4.8 out of 5 from 2.1K ratings, while CBTWaco averages 4.8 from 170 ratings.
Do FNBCT Mobile or CBTWaco have ads?
Neither FNBCT Mobile nor CBTWaco shows ads.
Which is updated more often, FNBCT Mobile or CBTWaco?
FNBCT Mobile ships an update monthly, and CBTWaco every 3 months. Most recently, FNBCT Mobile was updated on November 3, 2026 and CBTWaco on November 5, 2026.

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