First Community CU (MO) vs TerrillFLEX
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
First Community CU (MO)
Manage your finances on the go with this mobile banking app. Access account balances, transfer funds, deposit checks, pay bills, and find ATM locations. Enjoy secure, 24/7 banking from your smartphone or tablet.
- View account balances and transaction history
- Transfer funds between accounts
- Remote check deposit
- Schedule and pay bills
- Find branch and ATM locations
- Access deposit and loan rates
- Secure banking with SSL encryption
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First Community Credit Union proudly brings you mobile banking to your smartphone and tablet. Designed to provide a customized approach especially for your device, now you can experience all the benefits of EXPRESSnet Online Banking in a sleek, convenient, on-the-go package. And best of all, it’s FREE! Any First Community member who uses EXPRESSnet Online Banking has immediate and automatic access to mobile banking – there’s no registration process. Just sign in the same way you would online. Stay on top of your finances wherever you are. With your smartphone or tablet, you’ll delight in the freedom of one-touch access to many of your most important banking functions, such as: BALANCES -- View up to the minute balances and detailed transactional history, including check images, on all of your deposit and loan accounts. TRANSFERS --Transfer funds between your credit union accounts and loans. DEPOSITS -- Deposit checks to your accounts remotely PAYMENTS -- Schedule and pay your bills, view recent payment history and check your ebills. LOCATIONS --Find Branch and ATM locations near you. RATES -- Get deposit and loan rates. CONTACT US – Need help? We’re here for you. SECURITY IS IMPORTANT TO US. Rest assured your banking session is secure using the latest in SSL encryption. First Community Mobile Banking uses the same secure sign on method that EXPRESSnet Online Banking uses. No matter where you go, with mobile banking your bank account goes with you, 24/7. So download the First Community Mobile Banking application today and see how easy mobile banking can be. Not yet an EXPRESSnet user? Contact us at 800-767-8880 to get started.
TerrillFLEX
Easily manage your health benefit accounts, including HSA, HRA, and FSA. Check balances, view claims, submit receipts, and make payments securely on the go. Access account details and manage investments with real-time updates.
- Check account balances
- View account summaries and charts
- Submit claims with receipts
- Scan product barcodes for eligibility
- Manage HSA investments
- Secure login with Touch/Face ID
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Make the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply login to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device • Use Touch ID or Face ID to quickly log in to the mobile app Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service • View your statements and notifications • Scan product barcodes to determine their eligibility Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Manage your expenses by entering medical expense information and supporting documentation • View and Manage your HSA investments • Retrieve your forgotten username/password • Report a debit card as lost or stolen Powered by WEX®
Screenshots
Verdict
The clearest difference is rating: First Community CU (MO) at 4.8 against TerrillFLEX's 1.0. First Community CU (MO) also leads on ratings volume (26K vs 1). 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.
First Community CU (MO) holds the better App Store score, 4.8 against 1.0. That said, the two scores are not equally well evidenced: First Community CU (MO) has 26K ratings behind it against 1, so its average is the more settled of the two.
First Community CU (MO) ships an update every 3 months, TerrillFLEX every 4 months. The most recent releases landed on November 3, 2026 and October 27, 2026 respectively.
| Parameter | First Community CU (MO) | TerrillFLEX |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (26K ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 56.2% of reviews | — |
| Number of ratings | 26K — better | 1 |
| Update frequency | Every 3 months — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, Apple Watch — better | iPhone, iPad |
| Requires iOS | 17.0 | 17.0 |
| Further details — not scored | ||
| Size | 114 MB | 29 MB |
| Age rating | 4+ | 17+ |
| Developer | First Community Credit Union (MO) | Marsh & McLennan Agency |
Bugs and requests
First Community CU (MO)
Reported bugs
3 issues- Login issues with incorrect password errors
- Notification badges that don't clear
- Crashes when trying to access certain features
Requested features
5 requests- Dark mode option
- Ability to nickname accounts
- Instant transaction notifications
- Card controls (lock/unlock)
- Longer history of transactions and statements
TerrillFLEX
Not enough reviews yet to summarise bugs or requests.
In-app purchases
First Community CU (MO)
No in-app purchases
TerrillFLEX
No in-app purchases
Questions
Is First Community CU (MO) free?
Is TerrillFLEX free?
Which has better reviews, First Community CU (MO) or TerrillFLEX?
Do First Community CU (MO) or TerrillFLEX have ads?
Which is updated more often, First Community CU (MO) or TerrillFLEX?
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