Comparison

CardNav vs My M1FCU Mobile

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

Head to head
About

CardNav

Monitor and manage your debit and credit cards with transaction alerts and customizable usage controls. Define when, where, and how your cards can be used to enhance security and prevent fraud.

Highlights
  • Transaction alerts
  • Customizable usage settings
  • Define card usage locations
  • Define card usage times
  • Card monitoring and management
Features
Read full description

CardControl helps you protect your debit and credit cards by sending you transaction alerts and giving you the ability to define when, where and how your cards are used. Simply download the CardControl app to your smartphone, then customize your alert preferences and usage settings to monitor and manage your cards

About

My M1FCU Mobile

Manage all your financial accounts, including those from other institutions, in one secure place. Organize transactions, set alerts, make payments, transfer funds, and deposit checks with ease. This app simplifies your financial life with convenient tools and robust security features.

Highlights
  • Aggregate financial accounts
  • Organize transactions with tags and notes
  • Set balance alerts
  • Make payments and transfer money
  • Mobile check deposit
  • Debit card management
  • Find ATMs and branches
Features
Read full description

M1FCU is your personal financial advocate that gives you the ability to aggregate all of your financial accounts, including accounts from other banks and credit unions, into a single view. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with M1FCU: Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. 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 and fingerprint or face reader on supported devices. To use the M1FCU app, you must be enrolled as a Modesto's First Credit Union digital banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials.

Screenshots

CardNav4 screens
My M1FCU Mobile4 screens

Verdict

The call

The clearest difference is review sentiment: My M1FCU Mobile at 67% against CardNav's 30%. My M1FCU Mobile also leads on update cadence (monthly vs every 6 months) and rating (4.8 vs 4.4). CardNav's advantage is monetization model (free vs ad-supported) and ratings volume (1.1K vs 290). On price, ads, in-app purchases and device support 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

My M1FCU Mobile holds the better App Store score, 4.8 against 4.4. Both are backed by a comparable volume of ratings — 1.1K and 290 respectively. Written reviews point the same way: 30% of CardNav's written reviews are positive against 67% of My M1FCU Mobile's.

UpkeepUpdate frequency

CardNav ships an update every 6 months, My M1FCU Mobile monthly. The most recent releases landed on November 6, 2026 and November 7, 2026 respectively.

Scorecard6 real differences · 4 level
CardNav versus My M1FCU Mobile: the parameters behind the verdict, then further details
ParameterCardNavMy M1FCU Mobile
PriceFreeFree
Rating4.4 (1.1K ratings)4.8 (290 ratings) — better
Positive reviews29.7% of reviews66.7% of reviews — better
Number of ratings1.1K — better290
Update frequencyEvery 6 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPad
Requires iOS14.0 — better18.4
Further details — not scored
Size47 MB198 MB
Age rating4+12+
DeveloperCO-OP Financial ServicesModesto's First Federal Credit Union

Customer experience

CardNav

All ratings960 ratings
Positive84.8%
Neutral3.8%
Negative11.5%
Written reviews101 reviews
Positive29.7%
Neutral11.9%
Negative58.4%

My M1FCU Mobile

All ratings289 ratings
Positive95.2%
Neutral2.8%
Negative2.1%
Written reviews3 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

Bugs and requests

CardNav

Reported bugs

3 issues
  • App crashes when trying to log in
  • Unable to add or remove cards
  • Delayed or missing transaction notifications

Requested features

4 requests
  • Restore Touch ID/Face ID login
  • Add ability to transfer funds between accounts
  • Improve password management support
  • Provide better communication during app outages

My M1FCU Mobile

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

CardNav

No in-app purchases

None

My M1FCU Mobile

No in-app purchases

Questions

Is CardNav free?
CardNav is free to download, with no in-app purchases.
Is My M1FCU Mobile free?
My M1FCU Mobile is free to download, with no in-app purchases.
Which has better reviews, CardNav or My M1FCU Mobile?
My M1FCU Mobile is rated higher. CardNav averages 4.4 out of 5 from 1.1K ratings, while My M1FCU Mobile averages 4.8 from 290 ratings.
Do CardNav or My M1FCU Mobile have ads?
Neither CardNav nor My M1FCU Mobile shows ads.
Which is updated more often, CardNav or My M1FCU Mobile?
CardNav ships an update every 6 months, and My M1FCU Mobile monthly. Most recently, CardNav was updated on November 6, 2026 and My M1FCU Mobile on November 7, 2026.

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