FNBCT Mobile vs CBTWaco
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
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.
- Account balance checks
- Transaction search
- Inter-account transfers
- Bill payment
- Payee management
- Mobile check deposit
- Biometric login
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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
Verdict
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
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 — 4.8 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.
FNBCT Mobile ships an update monthly, CBTWaco every 3 months. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.
| Parameter | FNBCT Mobile | CBTWaco |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (2.1K ratings) — better | 4.8 (170 ratings) |
| Positive reviews | 63.0% of reviews — better | 50.0% of reviews |
| Number of ratings | 2.1K — better | 170 |
| Update frequency | Monthly — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 18.4 | 15.5 — better |
| Further details — not scored | ||
| Size | 199 MB | 199 MB |
| Age rating | 12+ | 4+ |
| Developer | The First National Bank of Central Texas | Community Bank & Trust’s Mobile Community |
Customer experience
FNBCT Mobile
CBTWaco
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
FNBCT Mobile
No in-app purchases
CBTWaco
No in-app purchases
Questions
Is FNBCT Mobile free?
Is CBTWaco free?
Which has better reviews, FNBCT Mobile or CBTWaco?
Do FNBCT Mobile or CBTWaco have ads?
Which is updated more often, FNBCT Mobile or CBTWaco?
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