# SCFCU Mobile vs FNB Milaca

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.

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.

## The numbers

| Metric | SCFCU Mobile | FNB Milaca |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (3.3K ratings)](https://appshunter.io/ios/app/scfcu-mobile/id771126325/reviews)** | [4.8 (437 ratings)](https://appshunter.io/ios/app/fnb-milaca/id6454352617/reviews) |
| Number of ratings | **3.3K** | 437 |
| Positive reviews | 92.9% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 128 MB | 173 MB |
| Requires iOS | **16.0** | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [St. Cloud Financial Credit Union](https://appshunter.io/developer/771126328) | [First National Bank of Milaca](https://appshunter.io/developer/649860377) |

## What reviewers say

### SCFCU Mobile

[App page](https://appshunter.io/ios/app/scfcu-mobile/id771126325)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Ease of use
- 👍 Reliable and fast
- 👍 Helpful staff
- 🚀 Convenient mobile features
- 🔒 Secure banking

**What reviewers complain about**

- 🐛 Login issues
- 🐛 Slow app performance

**Reported bugs**

- Mobile check deposit not working consistently
- App crashes and shows black screen

**Requested features**

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


### FNB Milaca

[App page](https://appshunter.io/ios/app/fnb-milaca/id6454352617)

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:** Apple Wallet

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*