Comparison

SCFCU Mobile vs FNB Milaca

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SCFCU Mobile

Manage your finances conveniently from your mobile device. Access account information, transfer funds, deposit checks, and locate branches or ATMs. This app offers secure login and identity verification for peace of mind.

Highlights
  • Check account balances
  • View transaction history
  • Transfer money between accounts
  • Deposit checks
  • Locate ATMs and branches
  • Secure login with biometrics
Features
Read full description

Bank on the go with your SCFCU Mobile Banking App. Manage your accounts from your mobile device when it is convenient for you. The SCFCU Mobile App combines the benefits of Online Banking with the power of your mobile device, providing quick access to account information and transactions. The SCFCU Mobile Banking App is fast, convenient and free, and allows users to: - Check account balances - View transaction history - Transfer money between accounts - Deposit checks - Locate and get directions to ATM and branch locations using GPS St. Cloud Financial Credit Union protects your financial information from unauthorized users using: - Security questions to verify your identity - Secure login with Touch ID and Facial Recognition - No transmission of complete accounts numbers

About

FNB Milaca

Manage your finances with this app. Set up alerts for low balances, make payments, and transfer money between accounts. Deposit checks, reorder or turn off debit cards, and view statements. Secure your account with a passcode or biometrics.

Highlights
  • Set balance alerts
  • Make payments
  • Transfer money
  • Mobile check deposit
  • Debit card management
  • View statements
  • Find branches/ATMs
Features
Read full description

FNB Milaca is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what you can do with FNB Milaca: Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Secure your account with a 4-digit passcode or biometric on supported devices.

Screenshots

SCFCU Mobile4 screens
FNB Milaca4 screens

Verdict

The call

The clearest difference is ratings volume: SCFCU Mobile at 3.3K against FNB Milaca's 437. SCFCU Mobile also leads on iOS requirement (16.0 vs 18.4). On price, rating, review sentiment 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for SCFCU Mobile against 4.8 for FNB Milaca. That said, the two scores are not equally well evidenced: SCFCU Mobile has 3.3K ratings behind it against 437, so its average is the more settled of the two. Written reviews are what separate them: 93% of SCFCU Mobile's written reviews are positive against 100% of FNB Milaca's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

Scorecard2 real differences · 8 level
SCFCU Mobile versus FNB Milaca: the parameters behind the verdict, then further details
ParameterSCFCU MobileFNB Milaca
PriceFreeFree
Rating4.8 (3.3K ratings) — better4.8 (437 ratings)
Positive reviews92.9% of reviews100.0% of reviews — better
Number of ratings3.3K — better437
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better18.4
Further details — not scored
Size128 MB173 MB
Age rating4+12+
DeveloperSt. Cloud Financial Credit UnionFirst National Bank of Milaca

Customer experience

SCFCU Mobile

All ratings3,253 ratings
Positive97.8%
Neutral1.8%
Negative0.5%
Written reviews28 reviews
Positive92.9%
Neutral0.0%
Negative7.1%

FNB Milaca

All ratings432 ratings
Positive96.1%
Neutral2.1%
Negative1.9%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

SCFCU Mobile

Reported bugs

2 issues
  • Mobile check deposit not working consistently
  • App crashes and shows black screen

Requested features

2 requests
  • Bring back 6-digit code login option
  • Add check image viewing in app

FNB Milaca

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SCFCU Mobile

No in-app purchases

None

FNB Milaca

No in-app purchases

Questions

Is SCFCU Mobile free?
SCFCU Mobile is free to download, with no in-app purchases.
Is FNB Milaca free?
FNB Milaca is free to download, with no in-app purchases.
Which has better reviews, SCFCU Mobile or FNB Milaca?
SCFCU Mobile is rated higher. SCFCU Mobile averages 4.8 out of 5 from 3.3K ratings, while FNB Milaca averages 4.8 from 437 ratings.
Do SCFCU Mobile or FNB Milaca have ads?
Neither SCFCU Mobile nor FNB Milaca shows ads.
Which is updated more often, SCFCU Mobile or FNB Milaca?
SCFCU Mobile ships an update monthly, and FNB Milaca monthly. Most recently, SCFCU Mobile was updated on October 26, 2026 and FNB Milaca on October 25, 2026.

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