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

UCB Banks vs FNBT & FCB Mobile

UCB Banks 4.8★ · Free to download 55
Winner FNBT & FCB Mobile
FNBT & FCB Mobile 4.8★ · Free to download 65

FNBT & FCB Mobile has a slight edge due to better overall app stability and customer service, despite some feature limitations and fees, while UCB Banks struggles with frequent app crashes and a confusing recent update.

Full reviews: UCB Banks · FNBT & FCB Mobile

UCB Banks users frequently report app crashes, login issues, and dissatisfaction with recent updates, making it difficult to manage accounts. FNBT & FCB Mobile, while having some feature limitations like Zelle fees and transfer cutoffs, generally offers a more stable app experience and positive in-person customer service.

Head to head

App Stability & Performance edge: FNBT & FCB MobileR4R7R10R13
UCB Banks Many UCB Banks users report frequent app crashes, login errors, and slow loading times, especially after recent updates R4R7R10R13. Some users find the app inaccessible or glitchy R4.
FNBT & FCB Mobile FNBT & FCB Mobile also experiences glitches and crashes for some users, particularly with features like Zelle R84. However, many users describe the app as reliable and easy to use .
Features & Functionality tieR5R38R55R11
UCB Banks UCB Banks offers mobile deposit, which users find fast and easy R5R38R55. Account tracking, transfers, and loan payments are also available R11. However, some users find the app's options limited and less efficient than competitors, requiring website use for further actions . Zelle integration is problematic for some, with frequent verification requests .
FNBT & FCB Mobile FNBT & FCB Mobile provides mobile banking for transfers and spending tracking . However, multiple users report issues with Zelle, including errors, fees, and low transfer limits R84R86. Some users also report missing mobile deposit or transfer options . There are also restrictions on transfer times R100.
Ease of Use & User Interface edge: FNBT & FCB MobileR10R18R19R22
UCB Banks UCB Banks' recent updates have made the app less user-friendly for many, with complaints about confusing displays, small text, difficult navigation, and the need for frequent verification R10R18R19R22. Logging in can be frustrating due to password bugs and frequent verification .
FNBT & FCB Mobile FNBT & FCB Mobile is generally described as easy to use and intuitive by many . However, some users find the display of balances confusing , and there are reports of issues creating new passwords or seeing card details .
Customer Service & Reliability tieR2R8R14R29
UCB Banks UCB Banks receives praise for outstanding customer service, friendly staff, and proactive fraud alerts R2R8R14R29. However, some users report unhelpful support when facing app issues R4 and frustrating experiences with fraud accusations .
FNBT & FCB Mobile FNBT & FCB Mobile also has many positive comments about helpful and friendly in-person staff . Their fraud department is noted for being proactive . However, some users report poor customer service, including conversations being ended mid-typing , and issues with card security .
Price & Value edge: UCB BanksR90R110R84R86
UCB Banks UCB Banks reviews do not mention specific fees or pricing issues related to the app itself, focusing more on functionality and service.
FNBT & FCB Mobile FNBT & FCB Mobile users report unexpected monthly maintenance fees of $12 R90R110. There are also charges for Zelle transactions and low Zelle limits R84R86R100. Some users appreciate that it's free to set up an account with a low minimum balance .
Pick UCB Banks if

You prioritize strong in-person customer service and mobile check deposit, and are willing to tolerate an app that frequently crashes or has login issues R2R5R8R14.

Pick FNBT & FCB Mobile if

You need a banking app that is generally more stable and easy to use, and you value proactive fraud detection, even if it means dealing with Zelle fees or transfer restrictions .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Recent negative reviews for UCB Banks heavily skew towards app stability and usability issues following updates, which contrasts with its higher lifetime rating.

Frequently asked

Does UCB Banks have mobile check deposit?
Yes, UCB Banks offers mobile check deposit, and users find it to be a fast and easy feature R5R38R55.
Are there fees for using Zelle with FNBT & FCB Mobile?
Yes, FNBT & FCB Mobile charges $1 for Zelle transactions, and users also report low Zelle transaction limits of $200 R84R86R100.
Why is the UCB Banks app crashing so much?
Many UCB Banks users report that the app frequently crashes, particularly after recent updates, leading to login difficulties and general inaccessibility R7R10R19R24.
Does FNBT & FCB Mobile have monthly fees?
Some FNBT & FCB Mobile users have reported unexpected monthly maintenance fees of $12 R90R110.

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] UCB Banks 1/5 · US Inaccessible: ( -10 stars ) I’m always struggling to log in, getting the same error message of connection issues. I’ve tried calling support that blames my phone or internet service. I’m an OTR trucker, been all over the 48 states on so many different networks, all other apps never have a VPN or security locking issue; its frustrating having no support when their systems are failing. I left this b
  2. [R7] UCB Banks 1/5 · US Crashes too much.: Can only use the app about half the time.
  3. [R10] UCB Banks 1/5 · US Frustrating: The new revamp of this app is so slow. I loved the older version of the app, I found it much more user friendly. Current update either doesn’t load or takes forever to load.
  4. [R13] UCB Banks 1/5 · US Too many error messages: Too many error messages. Cannot get on app often and now double verify?
  5. [R5] UCB Banks 5/5 · US Mobile Deposit: So fast, so easy! Great feature!
  6. [R38] UCB Banks 5/5 · US Love the check deposit: Easy to get a check deposited on the app.
  7. [R55] UCB Banks 5/5 · US Surprisingly Easy No Running to the bank!: Never used the Mobil deposit before. It was fast and easy. before.
  8. [R11] UCB Banks 5/5 · US Makes life a little easier: This app has saved us so much money over the years! It’s an easy way to keep track of our accounts and sends me a text message if an account gets below a certain amount, thus saving me from getting an overdraft or automatic transfer. And I can make transfers between accounts or pay extra on a loan any time of the day or night.
  9. [R18] UCB Banks 3/5 · US Not as user friendly: Not as user friendly. My accounts got all mixed up harder to operate and more confusing.
  10. [R19] UCB Banks 1/5 · US Regarding the new “update”: Didn’t have a problem with the previous version, they did an “update” few weeks ago and I think it is terrible now. Thinking about getting rid of it.
  11. [R22] UCB Banks 1/5 · US Update: The most recent update makes it harder to read the transactions and what they go to. And it's harder to navigate. I thought updates were supposed to be improvements? This update is HORRIBLE!! Fix the update!!
  12. [R2] UCB Banks 5/5 · US Favorite Bank: Customer Service is outstanding.
  13. [R8] UCB Banks 5/5 · US Awesome: This is the BEST BANK!!! They have always been on their promises!! I’ve had a few close calls with fraud and always on top of it!! They do and have always put us customers first!! Appreciate you always!!
  14. [R14] UCB Banks 5/5 · US Great people: They have always been super to me and very friendly. When I have had a problem they have helped me
  15. [R29] UCB Banks 5/5 · US Amazing: I absolutely love the Lincoln Illinois branch there’s not a time that I go in there that I don’t feel like family. Thanks for all your help and support.
  16. [R90] FNBT & FCB Mobile 1/5 · US Bad service: I can’t activate my card can’t turn my card on and off and when I opened up this account, they said nothing about a $12 a month maintenance fee so now my account is in the negative $1.65, which is gonna cost me more money because I don’t have a overdraft setup on my account when I opened this account. I told them I did not want an overdraft. But because the maintenance fee was $12 and
  17. [R110] FNBT & FCB Mobile 1/5 · US Monthly maintenance fee: They took $12 out of my account for a “monthly maintenance fee” ive had them for years they never done this before till today
  18. [R84] 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
  19. [R86] 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
  20. [R100] 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
  21. [R24] UCB Banks 3/5 · US Help: Anyone have a problem with this app crashing on iOS? I’ve re installed it a few times. Still crashes about 90% of the time

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