FMUB vs Rural Mutual
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.
Rural Mutual
Manage your insurance policies on the go. View policy details, access proof of insurance, make payments, report claims, and connect with your agent. Also access member benefits.
- Policy management
- Proof of insurance access
- Payment processing
- Claim reporting
- Agent connection
- Member benefits viewing
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Access and manage your Rural Mutual Insurance Company policies from your mobile device! With our mobile app you can: - Login using your fingerprint (on supported devices) - View your policies - View, save, and send proof of insurance cards* - Make payments - Report a claim - Connect with your agent - View your WI Farm Bureau member benefits and more! *Electronic proof of insurance cards may not be acceptable proof of insurance in all states.
Screenshots
Verdict
The clearest difference is review sentiment: Rural Mutual at 100% against FMUB's 25%. Rural Mutual also leads on monetization model (free vs free with in-app purchases). FMUB's advantage is rating (4.7 vs 3.5) and ratings volume (435 vs 4). On price, update cadence, 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.
FMUB holds the better App Store score, 4.7 against 3.5. That said, the two scores are not equally well evidenced: FMUB has 435 ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 25% of FMUB's written reviews are positive against 100% of Rural Mutual's, so the app with the better star average is not the one people write more warmly about.
FMUB ships an update every 5 months, Rural Mutual every 3 months. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.
| Parameter | FMUB | Rural Mutual |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (435 ratings) — better | 3.5 (4 ratings) |
| Positive reviews | 25.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 435 — better | 4 |
| Update frequency | Every 5 months | Every 3 months — 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 | 14.0 — better |
| Further details — not scored | ||
| Size | 109 MB | 10 MB |
| Age rating | 4+ | 4+ |
| Developer | FARMERS & MERCHANTS UNION BANK (INC) | Rural Mutual Insurance Company |
Customer experience
FMUB
Rural Mutual
In-app purchases
FMUB
No in-app purchases
Rural Mutual
No in-app purchases
Questions
Is FMUB free?
Is Rural Mutual free?
Which has better reviews, FMUB or Rural Mutual?
Do FMUB or Rural Mutual have ads?
Which is updated more often, FMUB or Rural Mutual?
Other comparisons
