Comparison

MCFCU Mobile vs FNB Grayson Online

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

Head to head
About

MCFCU Mobile

Manage your finances with a member-owned cooperative focused on community service and financial education. Offers top-quality financial products and services, returning profits to members through better rates and lower fees.

Highlights
  • Member-owned financial cooperative
  • Community-focused service
  • Financial education resources
  • Better rates and lower fees
  • Personal financial decision support
Features
Read full description

Morehead Community Federal Credit Union (MCFCU) is a member-owned financial cooperative that has been serving the Rowan County community for over 40 years. Since we were chartered in 1978, we have been committed to providing excellent customer service and top quality financial products to our members and our community. MCFCU is a not-for-profit organization operated by members, for members—this means that after paying expenses and providing for capital, any money we earn is returned to our members in the form of better rates, lower fees, and improved service. We at MCFCU encourage savings and make a point to educate our members in making sound personal financial decisions. This philosophy of people helping people is a true representation of the spirit of credit unions and is the driving force behind our mission and vision: to make a positive difference in the financial lives of our members and the community we serve. We want to be the financial institution that our members choose first, use the most, and grow with throughout their lives. As a member and owner, you are a vital part of the MCFCU, and providing you with the very best of service and products is our goal. Rowan's top employers: Saint Clair Hospital, Morehead State University (MSU), Regal, Family Dollar, SRG

About

FNB Grayson Online

Manage your bank accounts on the go with this secure and free mobile application. Access balances, transfer funds, pay bills, and deposit checks anytime, anywhere. Locate nearby ATMs and banking centers using your phone's GPS.

Highlights
  • Biometric Security
  • Check Account Balances
  • Transfer Funds
  • Pay Bills
  • Deposit Checks
  • Find ATMs and Banking Centers
Features
Read full description

Go mobile with the FIRST NATIONAL BANK app. It’s free, secure and offers quick access for managing your bank accounts anytime, anywhere. Features: •Biometric Security •Check Account Balances •Transfer funds between accounts •Pay Bills •Deposit Checks •Find FNB ATMs and FNB Banking Centers using the GPS system provided by your phone. Have a comment or question? Email us at info@fnbgrayson.com Member FDIC I Equal Housing Lender

Screenshots

MCFCU Mobile4 screens
FNB Grayson Online4 screens

Verdict

The call

The clearest difference is review sentiment: FNB Grayson Online at 40% against MCFCU Mobile's 0%. FNB Grayson Online also leads on rating (4.8 vs 4.4) and ratings volume (639 vs 5). MCFCU 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

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

FNB Grayson Online holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: FNB Grayson Online has 639 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 0% of MCFCU Mobile's written reviews are positive against 40% of FNB Grayson Online's.

UpkeepUpdate frequency

MCFCU Mobile ships an update every 11 months, FNB Grayson Online every 4 months. Both last shipped on October 24, 2026.

Scorecard6 real differences · 4 level
MCFCU Mobile versus FNB Grayson Online: the parameters behind the verdict, then further details
ParameterMCFCU MobileFNB Grayson Online
PriceFreeFree
Rating4.4 (5 ratings)4.8 (639 ratings) — better
Positive reviews0.0% of reviews40.0% of reviews — better
Number of ratings5639 — better
Update frequencyEvery 11 monthsEvery 4 months — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size33 MB113 MB
Age rating4+4+
DeveloperMorehead Community Federal Credit UnionFirst National Bank Grayson

Customer experience

MCFCU Mobile

All ratings6 ratings
Positive83.3%
Neutral0.0%
Negative16.7%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

FNB Grayson Online

All ratings580 ratings
Positive95.9%
Neutral0.9%
Negative3.3%
Written reviews10 reviews
Positive40.0%
Neutral0.0%
Negative60.0%

In-app purchases

None

MCFCU Mobile

No in-app purchases

None

FNB Grayson Online

No in-app purchases

Questions

Is MCFCU Mobile free?
MCFCU Mobile is free to download, with no in-app purchases.
Is FNB Grayson Online free?
FNB Grayson Online is free to download, with no in-app purchases.
Which has better reviews, MCFCU Mobile or FNB Grayson Online?
FNB Grayson Online is rated higher. MCFCU Mobile averages 4.4 out of 5 from 5 ratings, while FNB Grayson Online averages 4.8 from 639 ratings.
Do MCFCU Mobile or FNB Grayson Online have ads?
FNB Grayson Online shows ads; MCFCU Mobile does not.
Which is updated more often, MCFCU Mobile or FNB Grayson Online?
MCFCU Mobile ships an update every 11 months, and FNB Grayson Online every 4 months. Most recently, MCFCU Mobile was updated on October 24, 2026 and FNB Grayson Online on October 24, 2026.

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