FCB Banks vs FNB Waterloo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FCB Banks
Manage your finances securely on the go with this mobile banking application. Access your accounts 24/7, make deposits, pay bills, transfer funds, and control your debit card. It offers convenient features for everyday banking needs.
- Debit card activation and PIN change
- Account balance checks
- Mobile deposits
- Bill and person payments (Zelle®)
- Account and security notifications
- Debit card controls and travel notifications
- Transaction history and spending insights
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Available to customers of FCB Banks, enrolled in Online Banking. Mobile Banking is a free mobile banking app that provides secure, 24/7 account access. With Mobile Banking you’ll be able to: • Activate your debit card • Change your debit card PIN • Check your account balances • Make deposits (fees may apply) • Open new accounts • Pay bills • Pay people through Zelle® • Set account and security notifications • Set debit card controls • Set travel notifications for your debit card • Turn On/Off your debit card • Transfer money between your accounts • View recent transactions • View statements • View checks • View detailed debit card transaction data and spending insights • Find ATMs and locations *Message and data rates may apply
FNB Waterloo
Manage your bank accounts securely and conveniently from your mobile device. Check balances, view transactions, transfer funds, and deposit checks by taking pictures. Get started easily with your existing online banking credentials.
- Check account balances
- View recent transactions
- Transfer money between accounts
- Deposit checks by snapping a picture
- View deposit history
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Bank conveniently and securely with First National Bank of Waterloo Mobile Banking. Now you can manage your finances anytime, anywhere – from your mobile device. Manage Your Accounts: • Check account balances • View recent transactions, including check images • Transfer money between accounts • Deposit Checks • Deposit checks by snapping a picture of each check • View deposit history in the app Getting started is easy. Simply download the app and sign on with your user credentials. For more information, about First National Bank of Waterloo mobile services, please visit https://www.fnbwaterloo.com or call us at 618-939-6194. *Carrier’s data rates may apply
Screenshots
Verdict
FCB Banks and FNB Waterloo both sit at 4.8 stars, but that hides the real split: 43% of FCB Banks's written reviews are positive against 17% of FNB Waterloo's. On price, rating, ratings volume and update cadence 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.
FCB Banks holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 3K and 1.3K respectively. Written reviews point the same way: 43% of FCB Banks's written reviews are positive against 17% of FNB Waterloo's.
Both ship on a similar rhythm, roughly every 4 months. Both last shipped on November 6, 2026.
| Parameter | FCB Banks | FNB Waterloo |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (3K ratings) — better | 4.6 (1.3K ratings) |
| Positive reviews | 42.6% of reviews — better | 16.7% of reviews |
| Number of ratings | 3K — better | 1.3K |
| Update frequency | Every 4 months | Every 4 months |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 113 MB | 105 MB |
| Age rating | 4+ | 4+ |
| Developer | FCB Banks | First Waterloo Bancshares, Inc. |
Customer experience
FCB Banks
FNB Waterloo
Bugs and requests
FCB Banks
Reported bugs
3 issues- App crashes and freezes
- Face ID/Touch ID not working
- Inability to log in consistently
Requested features
4 requests- Two-factor authentication
- Improved mobile deposit process
- Ability to authorize transactions
- Detailed transaction history
FNB Waterloo
Not enough reviews yet to summarise bugs or requests.
In-app purchases
FCB Banks
No in-app purchases
FNB Waterloo
No in-app purchases
Questions
Is FCB Banks free?
Is FNB Waterloo free?
Which has better reviews, FCB Banks or FNB Waterloo?
Do FCB Banks or FNB Waterloo have ads?
Which is updated more often, FCB Banks or FNB Waterloo?
Other comparisons
