CardNav vs My M1FCU Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Transaction alerts
- Customizable usage settings
- Define card usage locations
- Define card usage times
- Card monitoring and management
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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
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | CardNav | My M1FCU Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (1.1K ratings) | 4.8 (290 ratings) — better |
| Positive reviews | 29.7% of reviews | 66.7% of reviews — better |
| Number of ratings | 1.1K — better | 290 |
| Update frequency | Every 6 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 14.0 — better | 18.4 |
| Further details — not scored | ||
| Size | 47 MB | 198 MB |
| Age rating | 4+ | 12+ |
| Developer | CO-OP Financial Services | Modesto's First Federal Credit Union |
Customer experience
CardNav
My M1FCU Mobile
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
CardNav
No in-app purchases
My M1FCU Mobile
No in-app purchases
Questions
Is CardNav free?
Is My M1FCU Mobile free?
Which has better reviews, CardNav or My M1FCU Mobile?
Do CardNav or My M1FCU Mobile have ads?
Which is updated more often, CardNav or My M1FCU Mobile?
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