FMUB vs miPayOnline
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FMUB
Manage your finances conveniently from your iPhone. Access accounts 24/7, review balances and transactions, transfer funds, and pay bills. Locate nearby ATMs and branches securely.
- 24/7 account access
- View balances and transactions
- Transfer funds
- Transaction history
- Bill payment
- ATM and branch locator
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Enjoy the conveniences of Mobile Banking* on your iPhone with Farmers & Merchants Union Bank. FEATURES: •Access your accounts 24/7 •Review account balances and transactions •Transfer funds •View transaction history •Pay bills** •Find nearby ATMs and branch locations SECURITY: At Farmers & Merchants Union Bank, we use cutting-edge technology to ensure that all customer information is safe. We protect our customers by using a combination of security measures that are among the best in the e-commerce industry. Farmers & Merchants Union Bank does not charge a fee for utilizing Mobile Banking, however message and data rates may apply. *Internet banking is required to use this service. **Must have Bill Pay setup previously in Online Banking.
miPayOnline
Manage payroll and employee time with this mobile application. Features include check payment, time entry and approval, time off requests and approvals, and access to W2 forms and announcements.
- Pay checks
- Time entry
- Time approval
- Time off requests
- W2 access
- Announcements
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miPayOnline mobile app features currently include -Pay checks -Time entry -Time approval -Time off -Time off approval -W2's -Announcements
Screenshots
Verdict
The clearest difference is update cadence: miPayOnline at weekly against FMUB's every 5 months. miPayOnline also leads on monetization model (free vs free with in-app purchases) and ratings volume (2.6K vs 461). On price, rating, review sentiment and ads 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 — 4.6 for FMUB against 4.7 for miPayOnline. That said, the two scores are not equally well evidenced: miPayOnline has 2.6K ratings behind it against 461, so its average is the more settled of the two. Written reviews are what separate them: 25% of FMUB's written reviews are positive against 30% of miPayOnline's.
FMUB ships an update every 5 months, miPayOnline weekly. Both last shipped on October 29, 2026.
| Parameter | FMUB | miPayOnline |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (461 ratings) | 4.7 (2.6K ratings) — better |
| Positive reviews | 25.0% of reviews | 30.0% of reviews — better |
| Number of ratings | 461 | 2.6K — better |
| Update frequency | Every 5 months | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 109 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | FARMERS & MERCHANTS UNION BANK (INC) | Civic Systems |
Customer experience
FMUB
miPayOnline
In-app purchases
FMUB
No in-app purchases
miPayOnline
No in-app purchases
Questions
Is FMUB free?
Is miPayOnline free?
Which has better reviews, FMUB or miPayOnline?
Do FMUB or miPayOnline have ads?
Which is updated more often, FMUB or miPayOnline?
Other comparisons
