# FNBCT Mobile vs CBTWaco

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.

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.

## The numbers

| Metric | FNBCT Mobile | CBTWaco |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (2.1K ratings)](https://appshunter.io/ios/app/fnbct-mobile/id6451453762/reviews)** | [4.8 (170 ratings)](https://appshunter.io/ios/app/cbtwaco-mobile-community/id6760427154/reviews) |
| Number of ratings | **2.1K** | 170 |
| Positive reviews | **63.0% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 3 months |
| Monetization | **Free** | Ad-supported |
| Size | 199 MB | 199 MB |
| Requires iOS | 18.4 | **15.5** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 12+ | 4+ |
| Developer | [The First National Bank of Central Texas](https://appshunter.io/developer/868937150) | [Community Bank & Trust’s Mobile Community](https://appshunter.io/developer/454598292) |

## What reviewers say

### FNBCT Mobile

[App page](https://appshunter.io/ios/app/fnbct-mobile/id6451453762)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💡 Visually appealing app design
- 👍 Debit cards still work well

**What reviewers complain about**

- 🐛 App crashes and fails to load
- 🐛 Deposit system issues
- 🤔 Notifications are less useful than before
- 🤔 Lack of balance display after transactions

**Reported bugs**

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

**Requested features**

- Higher mobile deposit limit
- Restore previous notification system
- Display account balance after transactions


### CBTWaco

[App page](https://appshunter.io/ios/app/cbtwaco-mobile-community/id6760427154)

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

**In-app purchases:** none


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