SCFCU Mobile vs FNB Milaca
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Check account balances
- View transaction history
- Transfer money between accounts
- Deposit checks
- Locate ATMs and branches
- Secure login with biometrics
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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
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.
- Set balance alerts
- Make payments
- Transfer money
- Mobile check deposit
- Debit card management
- View statements
- Find branches/ATMs
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.
| Parameter | SCFCU Mobile | FNB Milaca |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (3.3K ratings) — better | 4.8 (437 ratings) |
| Positive reviews | 92.9% of reviews | 100.0% of reviews — better |
| Number of ratings | 3.3K — better | 437 |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 — better | 18.4 |
| Further details — not scored | ||
| Size | 128 MB | 173 MB |
| Age rating | 4+ | 12+ |
| Developer | St. Cloud Financial Credit Union | First National Bank of Milaca |
Customer experience
SCFCU Mobile
FNB Milaca
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
SCFCU Mobile
No in-app purchases
FNB Milaca
No in-app purchases
Questions
Is SCFCU Mobile free?
Is FNB Milaca free?
Which has better reviews, SCFCU Mobile or FNB Milaca?
Do SCFCU Mobile or FNB Milaca have ads?
Which is updated more often, SCFCU Mobile or FNB Milaca?
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