# NCFBINS vs SECU

The clearest difference is review sentiment: SECU at 65% against NCFBINS's 15%. SECU also leads on rating (4.9 vs 2.4) and ratings volume (276K vs 80). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

SECU holds the better App Store score, 4.9 against 2.4. That said, the two scores are not equally well evidenced: SECU has 276K ratings behind it against 80, so its average is the more settled of the two. Written reviews point the same way: 15% of NCFBINS's written reviews are positive against 65% of SECU's.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on August 5, 2026 and September 25, 2026 respectively.

## The numbers

| Metric | NCFBINS | SECU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.4 (80 ratings)](https://appshunter.io/ios/app/ncfbins/id967263175/reviews) | **[4.9 (276K ratings)](https://appshunter.io/ios/app/secu/id1435916976/reviews)** |
| Number of ratings | 80 | **276K** |
| Positive reviews | 15.0% of reviews | **64.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 47 MB | 43 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [North Carolina Farm Bureau Mutual Insurance Company](https://appshunter.io/developer/967263174) | [North Carolina State Employees' Credit Union](https://appshunter.io/developer/1435916975) |

## What reviewers say

### NCFBINS

[App page](https://appshunter.io/ios/app/ncfbins/id967263175)

Manage your N.C. Farm Bureau Insurance policies conveniently from your mobile device. Access policy details, make payments, report claims, and connect with your agent. View and save your insurance cards for easy access.

**Highlights:** Access policy information, Make payments, Report claims, View insurance cards, Contact agent

**Features:** Vision Pro support

**In-app purchases:** none


### SECU

[App page](https://appshunter.io/ios/app/secu/id1435916976)

Manage your finances on the go with this mobile banking app. View account balances, pay bills, transfer funds, and deposit checks securely. It also allows you to manage your cards and communicate with the institution through secure messaging.

**Highlights:** View account balances and transactions, Lock/unlock debit cards, Schedule and manage bill payments, Transfer funds between accounts, Deposit checks via mobile, Request loan advances, Secure messaging

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly app
- 🚀 Efficient mobile banking features
- 🔒 Secure transactions
- 💡 Convenient mobile check deposit
- 👍 Helpful and friendly customer service

**What reviewers complain about**

- 🐛 Unreliable mobile deposit
- 🐛 Inconsistent transaction history display
- 🐛 Frequent app crashes and glitches
- 🔍 Lack of advanced features (notes, recurring transfers)

**Reported bugs**

- Login screen issues causing lockouts
- Mobile deposit not recognizing check orientation
- Inconsistent app performance after iOS updates

**Requested features**

- Add notes/memos to transactions
- Enable recurring transfers between accounts
- Implement true landscape mode for tablets
- Improve email/text alert options


## Frequently asked questions

### Is NCFBINS free?

NCFBINS is free to download, with no in-app purchases.

### Is SECU free?

SECU is free to download, with no in-app purchases.

### Which has better reviews, NCFBINS or SECU?

SECU is rated higher. NCFBINS averages 2.4 out of 5 from 80 ratings, while SECU averages 4.9 from 276K ratings.

### Do NCFBINS or SECU have ads?

Neither NCFBINS nor SECU shows ads.

### Which is updated more often, NCFBINS or SECU?

NCFBINS ships an update every 2 months, and SECU every 2 months. Most recently, NCFBINS was updated on August 5, 2026 and SECU on September 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.*