# FCB Banks vs FNB Waterloo

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.

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.

## The numbers

| Metric | FCB Banks | FNB Waterloo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (3K ratings)](https://appshunter.io/ios/app/fcb-banks-consumer/id689527689/reviews)** | [4.6 (1.3K ratings)](https://appshunter.io/ios/app/fnb-waterloo/id1434103433/reviews) |
| Number of ratings | **3K** | 1.3K |
| Positive reviews | **42.6% of reviews** | 16.7% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Every 4 months | Every 4 months |
| Monetization | Free | Free |
| Size | 113 MB | 105 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [FCB Banks](https://appshunter.io/developer/689527692) | [First Waterloo Bancshares, Inc.](https://appshunter.io/developer/530752142) |

## What reviewers say

### FCB Banks

[App page](https://appshunter.io/ios/app/fcb-banks-consumer/id689527689)

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.

**Highlights:** 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

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Convenient mobile banking
- 💡 Helpful customer service

**What reviewers complain about**

- 🐛 Frequent login issues
- 🐛 Unreliable app functionality
- 🐛 Inconsistent mobile deposit
- 🔒 Lack of security features

**Reported bugs**

- App crashes and freezes
- Face ID/Touch ID not working
- Inability to log in consistently

**Requested features**

- Two-factor authentication
- Improved mobile deposit process
- Ability to authorize transactions
- Detailed transaction history


### FNB Waterloo

[App page](https://appshunter.io/ios/app/fnb-waterloo/id1434103433)

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.

**Highlights:** Check account balances, View recent transactions, Transfer money between accounts, Deposit checks by snapping a picture, View deposit history

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is FCB Banks free?

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

### Is FNB Waterloo free?

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

### Which has better reviews, FCB Banks or FNB Waterloo?

FCB Banks is rated higher. FCB Banks averages 4.8 out of 5 from 3K ratings, while FNB Waterloo averages 4.6 from 1.3K ratings.

### Do FCB Banks or FNB Waterloo have ads?

Both FCB Banks and FNB Waterloo show ads.

### Which is updated more often, FCB Banks or FNB Waterloo?

FCB Banks ships an update every 4 months, and FNB Waterloo every 4 months. Most recently, FCB Banks was updated on November 6, 2026 and FNB Waterloo on November 6, 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.*