VCCU Mobile vs MB&T
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
VCCU Mobile
Manage your finances securely 24/7 with this mobile banking app. Access account balances, pay bills, send and receive money, and deposit checks remotely. It also offers card management, loan applications, and account updates.
- 24/7 account access
- Bill payment
- Send/receive money with Zelle®
- Remote check deposit
- Card management
- Loan applications
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Welcome to banking with VCCU! Ventura County Credit Union's Mobile app allows you to securely access your accounts 24/7. View your account balances and pay bills with ease, as well as: Send and receive money with Zelle® Manage your credit and debit cards in real-time Deposit paper checks with Remote Deposit Schedule one-time and automatic transfers Update account information Add Travel Notes Apply for a loan Open a new share account View eStatements and much more!
MB&T
Manage your finances on the go with this banking app. View balances, deposit checks, transfer funds, pay bills, and send money to friends. It also offers credit monitoring and card controls for enhanced financial management.
- Account balance and transaction history
- Mobile check deposit
- Fund transfers
- Bill pay
- Send money with Zelle®
- Credit score monitoring
- Card controls
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Monitor your accounts, make deposits, transfer funds, pay your bills, and send money to friends and family - all in one app! It’s fast, convenient and available to all MB&T online banking users. Manage Your Accounts • View account balances and transaction history • Enable Fast Balances to view balances without logging in Monitor Your Finances • Receive account alerts via email, text or mobile notifications • Check your credit score and monitor your credit report • Control your credit and debit card usage with CardControl Make Deposits, Transfers and Payments • Deposit checks1 • Transfer funds between accounts • Send money to friends and family with Zelle® • View and pay your bills with Bill Pay Additionally, business clients can utilize: • Zelle® for Business • ACH File Transfers • Domestic & International Wires (in USD) If you need assistance with Mobile Banking, call (800) 348-0146 Mon-Fri (8am-6pm) and we'll be happy to help. _____________ 1Mobile check deposit feature is subject to eligibility and further review. Deposit limits and other restrictions apply. Camera permissions are necessary to use the Mobile Deposit feature. Fees may apply for certain services. See Schedule of Fees and Charges for more details. Member FDIC. Equal Opportunity Lender.
Screenshots
Verdict
The clearest difference is rating: MB&T at 4.8 against VCCU Mobile's 3.9. MB&T also leads on review sentiment (51% vs 19%) and ratings volume (2.1K vs 44). VCCU Mobile's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases, device support and iOS requirement 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.
MB&T holds the better App Store score, 4.8 against 3.9. That said, the two scores are not equally well evidenced: MB&T has 2.1K ratings behind it against 44, so its average is the more settled of the two. Written reviews point the same way: 19% of VCCU Mobile's written reviews are positive against 51% of MB&T's.
VCCU Mobile ships an update monthly, MB&T every 4 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | VCCU Mobile | MB&T |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (44 ratings) | 4.8 (2.1K ratings) — better |
| Positive reviews | 18.6% of reviews | 51.4% of reviews — better |
| Number of ratings | 44 | 2.1K — better |
| Update frequency | Monthly — better | Every 4 months |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 129 MB | 116 MB |
| Age rating | 4+ | 4+ |
| Developer | Ventura County Credit Union | Montecito Bank and Trust |
Customer experience
VCCU Mobile
MB&T
User reviews
VCCU Mobile
From 44 App Store ratingsWhat we love
- ✨ Clean and easy to navigate
- 💳 New features like credit score monitoring
- ✅ Transfers are easy
- 🔒 Offers ease and security
- 💡 Easy to use upgraded app
Room to improve
- 😠 Poorest running banking app
- 😠 Awful app to coerce facial recognition
- 😠 Freezes and does not work
- 😠 Forced to login via desktop
- 😠 Constantly trying to coerce digital ID
MB&T
From 2.1K App Store ratingsWhat we love
- 👍 Excellent personal service
- 👍 Easy to navigate app
- 👍 Useful mobile deposit feature
- 👍 Convenient online banking
Room to improve
- 🐛 Frequent app crashes
- 🐛 Balance not updating consistently
- 🐛 Unreliable customer support
- 🐛 Confusing app design changes
- 🐛 Slow mobile check deposit
Bugs and requests
VCCU Mobile
Reported bugs
45 issues- App freezes
- App does not work
- App times out
- App errors out
- App is slow
Show 40 moreShow fewer
- App crashes
- App doesn't load
- App gets stuck loading
- App rejects deposited checks
- App is buggy
- App randomly signs out
- App won't open
- App has error loading page
- App lags
- App times out during remote deposit
- App is unreliable
- App freezes when submitting check
- App is antiquated
- App falls short
- App doesn't load homepage
- App gets stuck on loading screen
- App shows spinning wheel of death
- App checks sit in limbo
- App cannot log out
- App won't open to sign in screen
- App is slow in evenings
- App has server issues
- App is inconsistent
- App is sporadic
- App won't pass blue loading icon
- App has long load time
- App doesn't work on WiFi
- App has consistent problems
- App freezes up
- App requires re-login
- App has login issues
- App is not polished
- App crashes on login page
- App has slow update needed
- App has security question delays
- App has slow web page
- App online services gone backwards
- App registration process is challenging
- App is very slow
- App takes too long to log in
Requested features
18 requests- Bring back the old app
- Add biometric login
- Add 2 factor authentication
- Add companion app for banking
- Add credit score monitoring
Show 13 moreShow fewer
- Add ability to edit personal information
- Add ability to utilize credit information
- Add push notifications for transactions
- Add push notifications for deposits
- Add push notifications for spending limits
- Save username and login info
- Add Touch ID login
- Invest in regular updates
- Add fingerprint login
- Add notifications
- Modernize the app
- Improve server support
- Add Zelle integration
MB&T
Reported bugs
3 issues- Balance not updating over weekends
- Inconsistent processing of online transactions
- Mobile check deposit issues
Requested features
3 requests- Improve balance update consistency
- Enhance customer support availability
- Provide more intuitive app design
In-app purchases
VCCU Mobile
No in-app purchases
MB&T
No in-app purchases
