# FMUB vs miPayOnline

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.

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.

## The numbers

| Metric | FMUB | miPayOnline |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (461 ratings)](https://appshunter.io/ios/app/fmub/id669208968/reviews) | **[4.7 (2.6K ratings)](https://appshunter.io/ios/app/mipayonline/id1420177871/reviews)** |
| Number of ratings | 461 | **2.6K** |
| Positive reviews | 25.0% of reviews | **30.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Weekly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 109 MB | 51 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [FARMERS & MERCHANTS UNION BANK (INC)](https://appshunter.io/developer/669209071) | [Civic Systems](https://appshunter.io/developer/1193314681) |

## What reviewers say

### FMUB

[App page](https://appshunter.io/ios/app/fmub/id669208968)

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.

**Highlights:** 24/7 account access, View balances and transactions, Transfer funds, Transaction history, Bill payment, ATM and branch locator

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

**In-app purchases:** none


### miPayOnline

[App page](https://appshunter.io/ios/app/mipayonline/id1420177871)

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.

**Highlights:** Pay checks, Time entry, Time approval, Time off requests, W2 access, Announcements

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is FMUB free?

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

### Is miPayOnline free?

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

### Which has better reviews, FMUB or miPayOnline?

miPayOnline is rated higher. FMUB averages 4.6 out of 5 from 461 ratings, while miPayOnline averages 4.7 from 2.6K ratings.

### Do FMUB or miPayOnline have ads?

Neither FMUB nor miPayOnline shows ads.

### Which is updated more often, FMUB or miPayOnline?

FMUB ships an update every 5 months, and miPayOnline weekly. Most recently, FMUB was updated on October 29, 2026 and miPayOnline on October 29, 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.*