Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Zions Bank Mobile Banking vs FNBT & FCB Mobile

Zions Bank Mobile Banking 4.7★ · Free to download 45
Winner FNBT & FCB Mobile
FNBT & FCB Mobile 4.8★ · Free to download 60

FNBT & FCB Mobile has a slight edge due to its generally more reliable core banking features and positive in-person service, despite some issues with transfers and Zelle, while Zions Bank Mobile Banking struggles with frequent app loading errors and declining functionality after updates.

Full reviews: Zions Bank Mobile Banking · FNBT & FCB Mobile

FNBT & FCB Mobile generally offers a more stable mobile banking experience with praise for its in-person service, though users report issues with transfer limits and Zelle functionality. Zions Bank Mobile Banking, despite some positive features, is plagued by frequent app crashes, error codes, and declining usability after recent updates, making it less reliable for many users.

Head to head

App Reliability and Performance edge: FNBT & FCB MobileR4R7R9R10
Zions Bank Mobile Banking Many Zions Bank Mobile Banking users report frequent issues with the app not loading, displaying error codes (1002, 1003), or crashing, making it unusable for extended periods R4R7R9. Some users also note slow performance and difficulty updating the app R10.
FNBT & FCB Mobile FNBT & FCB Mobile users also experience glitches, crashes, and the app being slow or under maintenance R83. However, many users find it generally accessible and convenient .
Mobile Deposit Functionality tieR5R8R17R28
Zions Bank Mobile Banking While some Zions Bank Mobile Banking users find check deposit easy R5R17, many report significant difficulties. Issues include the app freezing, not allowing users to proceed after taking pictures, being overly sensitive to auto-capture, or not providing error feedback R8R28.
FNBT & FCB Mobile FNBT & FCB Mobile users also report problems with mobile deposit, with some stating the option is no longer available or consistently fails .
Transfer and Payment Features (Zelle, Bill Pay) edge: Zions Bank Mobile BankingR11R25R45R59
Zions Bank Mobile Banking Zions Bank Mobile Banking users report issues with bill pay deductions R11, transfers not working sometimes R45, and a new update removing the ability to do transfers R25. Zelle limitations are also mentioned R59.
FNBT & FCB Mobile FNBT & FCB Mobile users frequently complain about transfer limitations, specifically not being able to transfer money after 10 PM R69R72R78R99. Many also express frustration with Zelle, citing errors, charges ($1 per transaction), transaction limits ($200), and delayed payments R83R85. Some users also report the transfer option missing entirely R70.
User Interface and Experience tieR6R12R16R24
Zions Bank Mobile Banking Recent updates to Zions Bank Mobile Banking have been criticized for making the app harder to use, with complaints about a new format that hides transaction details, large print, and features like rewards buttons not working R6R12R16. Some users desire Face ID login R36R51 and improved memo fields for bill pay R24.
FNBT & FCB Mobile FNBT & FCB Mobile is generally described as easy to use and intuitive by some . However, some users report issues with pop-ups and difficulty creating new passwords .
Account Information and Notifications tieR2R6R12R26
Zions Bank Mobile Banking Zions Bank Mobile Banking users report delayed balance updates and notifications R2R12. Some find it difficult to see rolling transaction history or detailed transaction information after updates R6. There are also requests for features like showing deposit hold durations and 'buckets' for organizing money R26.
FNBT & FCB Mobile FNBT & FCB Mobile users report issues with inaccurate available balances, leading to unexpected negatives . Some users also mention money missing or being moved without their action R78.
Customer Support and Security tieR3R19R27R31
Zions Bank Mobile Banking Zions Bank Mobile Banking users report poor customer assistance, with local branches having no insight into app issues and customer service being unhelpful or rude R27R31. There are also concerns about VPN login denial and security risks R3R19.
FNBT & FCB Mobile FNBT & FCB Mobile receives mixed reviews for customer service; some praise helpful and friendly staff in person , while others complain about poor service, unhelpful support teams, and limited customer service hours R99. Security concerns include unauthorized card attempts and money going missing R78.
Pick Zions Bank Mobile Banking if

you are an existing Zions Bank customer who primarily uses the app for basic functions like checking balances and making simple transfers, and you are willing to tolerate occasional app instability and outdated features .

Pick FNBT & FCB Mobile if

you value strong in-person bank service and a generally reliable app for core banking, even if it has some limitations with Zelle, transfers, or occasional glitches .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Recent reviews for Zions Bank Mobile Banking are heavily negative, focusing on app functionality issues, which contrasts with its higher lifetime rating. FNBT & FCB Mobile also has recent negative reviews, but they are more balanced with positive feedback, especially regarding in-person service.

Frequently asked

Does Zions Bank Mobile Banking support Face ID login?
Zions Bank Mobile Banking users have reported issues with Face ID login, with errors occurring frequently, forcing them to type in their password R51. Some users also wish for the feature to be implemented or improved R36.
Are there transfer restrictions with FNBT & FCB Mobile?
Yes, FNBT & FCB Mobile users frequently report that they cannot make transfers after 10 PM R69R72R78R99. Some users also mention that the transfer option is missing entirely from their app R70.
Does FNBT & FCB Mobile charge for Zelle transactions?
Yes, FNBT & FCB Mobile users report that the bank charges $1 for Zelle transactions, which is a point of frustration for many R83R85. Additionally, Zelle transactions have a $200 limit and can take at least three business days to process R83R99.
Why is my Zions Bank Mobile Banking app showing error codes?
Many Zions Bank Mobile Banking users report frequent issues with error codes 1002 and 1003, preventing the app from loading or connecting, even after reinstalling R7R9R18R34.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R4] Zions Bank Mobile Banking 1/5 · US Sucks: Absolutely sucks. 60% of the time is says “cannot connext try again later” stupid app
  2. [R7] Zions Bank Mobile Banking 1/5 · US Doesn't even work: I'm not sure when, but this app doesn't even load fully anymore, it just gives me an error code 1003. And I'm not calling a help number to get the app to work, the app should just work.
  3. [R9] Zions Bank Mobile Banking 3/5 · US Please fix: When the app does load it works great and I can move money around very quickly but the problem is that the app will never load anymore and always has either a 1002 code or a 1003 code no matter where I am and how good my service is
  4. [R10] Zions Bank Mobile Banking 2/5 · US Hard to update.: Hard to update !
  5. [R5] Zions Bank Mobile Banking 5/5 · US Mobile banking: Check deposit made easy
  6. [R8] Zions Bank Mobile Banking 4/5 · US Fix your check options: Good app, but man it's a pain to dipost a check. I'll be there for 30 mins trying to wait for it to allow me to hit next. It doesn't tell me if the picture is wrong or if there's an error. But I would say this feature does suck. Please fix it
  7. [R17] Zions Bank Mobile Banking 5/5 · US Easy: So easy and convenient make a deposit right from your home
  8. [R28] Zions Bank Mobile Banking 2/5 · US Mobile Deposit: The Mobile deposit is difficult to use compared to the other banks we use.
  9. [R11] Zions Bank Mobile Banking 4/5 · US Bill pay’s deducted sooner: I wish the Bill pay item’s would be deducted from balance sooner.
  10. [R25] Zions Bank Mobile Banking 2/5 · US Update: You cant do transfers on the new update please fix
  11. [R45] Zions Bank Mobile Banking 3/5 · US Transfer money to other account: Some time it works and sometimes don’t work the apps is a problem when it doesn’t work because you need to transfer money in one account to the other when is emergency and you can not available to do it is stressful
  12. [R59] Zions Bank Mobile Banking 4/5 · US No Good: Limitaciones en zelle. No cae le pago del trabajo al día siguiente.
  13. [R6] Zions Bank Mobile Banking 3/5 · US New format is a downgrade: Since the new format was launched now when I check my accounts all I can see are the #’s and barely any of the transaction details. Very frustrating. App is updated. I only use the phone app. The old format was great. Been a customer since the 90’s. Hope they can upgrade us back to a more convenient format soon. Love Zions Bank.
  14. [R12] Zions Bank Mobile Banking 3/5 · US New Update ruined it: App was great for years but has been declining. Transactions don’t show up very quickly anymore. MFA requires too many “clicks”.
  15. [R16] Zions Bank Mobile Banking 1/5 · US App isn’t good: App used to be super great and user friendly. Since it was updated in October customers can’t go in and do things on their own. Example is the rewards. Previous you could go in and get the rewards on your own. Now if you click the rewards button it won’t take you anywhere. Why can’t this app actually be updated to work decent for customers?
  16. [R24] Zions Bank Mobile Banking 3/5 · US App “Getting There”: Either provide more character space on the “memo” field in Bill Pay or provide a note field that allows the user to provide a more through description of the purpose for the bill and applicable reference information.
  17. [R2] Zions Bank Mobile Banking 4/5 · US Delayed Messages/accurate Notification Updates: While I really love the app and being a member? I quite often am annoyed with the fact that I don’t get accurate updates on balances- I’m always being delivered the former days news. If I want to confirm my balance I have to actually open my app.. kinda defeats the purpose of notifications. I need accurate information and prompt notifications.
  18. [R26] Zions Bank Mobile Banking 5/5 · US Good: Love the app. I just wished it had ‘buckets’ or ‘pockets’ to organize and set money aside for different payments.
  19. [R3] Zions Bank Mobile Banking 3/5 · US balderdash!: the nightly maintenance and vpn login denial have gotten annoyingly old. deal with them or face a shrinking customer base.
  20. [R19] Zions Bank Mobile Banking 2/5 · US No VPN compatibility: Isn’t compatible when using VPN. Terrible for security risk.
  21. [R27] Zions Bank Mobile Banking 3/5 · US Poor customer assistance: I called our local branch. They were professional and courteous but had no insight into the app. They gave me the customer service number. I waited to get through for twenty minutes. The woman was rude and gave me the, “Did you try updating it” solution which solved nothing. Turning phone off then back on, my solution, did the trick.
  22. [R31] Zions Bank Mobile Banking 2/5 · US Dissatisfied Customer: Your call in switch board is bad, I can’t after selecting Customer Service press zero to talk to a person. I have to wait until you go through all the options. I already know I want to talk to the operator. I don’t need to listen to all your options and the people that do can’t listen to all our options. Plus this is the 5 new debit card in a year.
  23. [R36] Zions Bank Mobile Banking 3/5 · US Good app but needs Face ID to login.: Good app but needs Face ID to login.
  24. [R51] Zions Bank Mobile Banking 4/5 · US Fix Face ID Feature: I love this app, but every time I try to login using Face ID, it says “An error occurred while trying to login using biometric data” so I have to type in my password. Very annoying.
  25. [R69] FNBT & FCB Mobile 3/5 · US Horario de transferencia: Es una buena app, me funciona bien todo, lo único que no me gusta es que a las 10 pm ya no puedo hacer transferencias y eso siempre me choca porque yo siempre tengo mi dinero en savings y no en checking, así que cuando quiero pasar dinero ya no me deja. Incluso ha pasado cuando apenas son las 9 (ni siquiera las 10pm) y no me deja aunque falte una hora para la hora que ya
  26. [R70] FNBT & FCB Mobile 1/5 · US Transfer option: Why does my app not have a transfer option? It’s been an issue for a year now what are we doing here?
  27. [R72] FNBT & FCB Mobile 3/5 · US Review: I would leave a 5 star but the only thing I have issues with is no transferring after 10pm. We had to get a second bank just to be able to transfer.
  28. [R78] FNBT & FCB Mobile 3/5 · US money is supposed to be secure and is not: Sometimes I will log into my account and money will be missing or moved from accounts even though I was not the one who did those actions, the fact that I can’t control or transfer money between accounts after 10 is ridiculous, there have been to many instances where my money has not been available or money has randomly gone missing or will get taken, it’
  29. [R83] FNBT & FCB Mobile 1/5 · US Glitches constantly: The app is glitching constantly. Any time I need to schedule a recurring transfer, it doesn’t show the options for which days to schedule out in the future so I have to go to the desktop version. It’s constantly going down for maintenance at the worst times. This bank doesn’t allow outgoing external transfers, charges $1 for Zelle transactions, and only allows $200 Zelle trans
  30. [R85] FNBT & FCB Mobile 1/5 · US Zelle: You shouldn’t have to pay to Zelle someone else I minus well have a Cash App card. No other bank charges
  31. [R99] FNBT & FCB Mobile 2/5 · US .: There are things about this card that get on my nerves. For instance, it's a mastercard, therefore, I couldn't use it at Costco. The customer service hours are trash. They have a cut off time of when you can move YOUR money around. Lastly, they will keep blocking charges that you're actually trying to make. There was a time where I needed to pay my mechanic, and almost couldn't get my car becau
  32. [R18] Zions Bank Mobile Banking 3/5 · US Error Code 1002: This newer version every 2nd day that i open the app it says eror code 1002.
  33. [R34] Zions Bank Mobile Banking 1/5 · US What Happened? Error Code 1003: It use to work now it gives me error massage Code 1003 even after I uninstalled and reinstalled.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store