# Ulster Savings Bank

> Mobile banking app for managing accounts, transfers, bill payments, and locating branches. (iPhone/iPad app by ULSTER SAVINGS BANK.)

- Source: https://appshunter.io/ios/app/ulster-savings-bank/id807638388 (this page in markdown: same URL + `.md`)
- Developer: [ULSTER SAVINGS BANK](https://appshunter.io/developer/807638391)
- Category: Finance, Productivity
- Price: Free
- Rating: 4.77/5 from 3,644 App Store ratings · 86 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 81 MB
- Languages: English
- Released: 2014-04-15
- Data updated: 2026-08-26
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/ulster-savings-bank/id807638388/reviews.md

## What is Ulster Savings Bank?

Ulster Savings Bank’s FREE Mobile Banking Application - optimized for iPhone and iPad devices.*

FEATURES OF Ulster Savings Bank MOBILE BANKING
•Review account balances and transactions
•Transfer funds between accounts
•Pay bills**
•View copies of cleared checks
•Locate surcharge-free ATM’s and Ulster Savings Bank branches 

SAFE AND SECURE
Ulster Savings Bank uses SSL (Secure Socket Layer) encryption to communicate securely through all mobile devices.

*Must be enrolled in Online Banking. There is no charge from Ulster Savings Bank, but messaging and data rates may apply.
**Must have Bill Pay setup previously in Online Banking.
Ulster Savings Bank. Member FDIC.

## Key features

- Review account balances and transactions
- Transfer funds between accounts
- Pay bills
- View copies of cleared checks
- Locate surcharge-free ATMs and branches

## What do users think of Ulster Savings Bank?

Overall sentiment: neutral

**Pros**

- 👍 Friendly and intuitive app
- 🚀 Easy to use and efficient
- 💳 Great mobile deposit feature
- 🏦 Excellent customer service

**Cons**

- 🐛 Frequent crashes and bugs
- 🔄 Laggy and slow performance
- 📱 Compatibility issues with newer devices
- 🔒 Login and security problems

**Commonly reported bugs**

- App crashes during mobile check deposits
- Login screen freezes or shows connection errors
- Account balances not updating correctly
- Bill pay functionality not working as expected

**Most requested features**

- Dark mode option
- Improved transaction history and balance display
- Restore mobile deposit feature on iPad
- Add Zelle integration

## Recent user reviews (10 of 86)

All indexed reviews: https://appshunter.io/ios/app/ulster-savings-bank/id807638388/reviews.md

### 1/5 — Just, not very good

*2026-07-13, version 25.2.1*

While this app does provide some time saving services, nearly every corner of it is filled with jank. Could be so much better with a little investment in optimization. Come on guys!!

### 5/5 — Ellie

*2026-07-02, version 25.2.1*

The app is very easy to use and if by chance there is a problem I can go to any branch for help and problem solved

### 1/5 — Problems

*2026-06-22, version 25.2.1*

“Clicking” on the check to deposit is always a challenge. Often does not work.

### 1/5 — Check deposit

*2026-05-04, version 24.2.0*

It takes several attempts to get checks to deposit on app. It’s terrible.

### 3/5 — Deserves improvement

*2026-03-24, version 24.2.0*

I had high hopes for this app for various reasons, but it did not live up to my expectations. The app is typical of local bank apps in that it feels janky in a corporate way—it doesn’t feel like it was developed as a native app and is probably a skinned version of a software package that Ulster SB has no control over. In other words, it doesn’t feel like someone who really loves and appreciates both the iOS platform and the bank itself had a hand in ensuring a premium experience.

Here are two gripes which each would earn another star from me were they to be fixed:

1). The login does not properly integrate with iCloud Keychain. Apple provides APIs to app developers so that inside of a native app, keychain autofill can use credentials saved from the organization’s web login in Safari. The user can still manually find their web credential (though they have to know to look for an unfamiliar domain name), but this is a tedious process and is not the seamless experience Apple has provided for with their APIs.

2). The checking mobile deposit does not autofocus properly. I have seen this in a variety of apps and I suspect it is because the camera integration is rarely tested with devices that have macro lenses. Again, the root cause is an improper use of iOS platform APIs. The check scanner is fixed to a single lens and does not allow the system to switch to a macro lens if one is available. On my device, that means if I move the device close enough to the check for it to fill the green brackets, it is unreadably out of focus because the lens it is locked to cannot focus at that distance. In the native camera app, or with a better integration, the camera would automatically switch to the macro lens at that distance. This creates a frustrating experience for the user especially if they expect they can “tap to focus” like they do in most camera apps; this will of course capture the out-of-focus image and force the user to try again. The user must then draw the device away from the check until it appears to be within the focusing range of the fixed lens, which is difficult to discern because the image appears smaller on the screen at that distance. Many competing apps run algorithms on-device to assess when the check is in frame and in focus and capture the image automatically instead of requiring the user to manually tap to capture.

### 1/5 — Check deposited

*2026-02-23, version 24.2.0*

Took forever

### 5/5 — Easy

*2026-02-09, version 24.2.0*

Awesome

### 5/5 — Great customer service

*2026-01-15, version 24.2.0*

Continuously impressed with staff’s professionalism and friendliness

### 5/5 — Greatness

*2025-12-23, version 24.2.0*

Love this bank 
, I have been with them for many years and I will never change banks

### 5/5 — Great on phone, less great on iPad

*2025-10-02, version 24.2.0*

Some account management options are unavailable on the iPad app, like facial recognition

## Frequently asked questions about Ulster Savings Bank

### What can I do with this mobile banking app?

This app allows you to review your account balances and recent transactions, transfer funds between your accounts, pay bills, and view copies of cleared checks. You can also use it to locate surcharge-free ATMs and Ulster Savings Bank branches.

### Is this app free to use?

Yes, the Ulster Savings Bank mobile banking application is free to download and use. However, messaging and data rates from your mobile carrier may apply. You must be enrolled in Online Banking to use the app.

### How secure is this mobile banking app?

The app uses SSL (Secure Socket Layer) encryption to ensure secure communication between your mobile device and the bank. This provides a safe way to manage your finances on the go.

### What are the requirements to use this app?

To use the Ulster Savings Bank mobile banking application, you must be enrolled in Online Banking. For bill payment features, Bill Pay must have been previously set up in Online Banking.

### Can I pay bills through this app?

Yes, you can pay bills through the app. However, this feature requires that you have previously set up Bill Pay within your Online Banking profile. The app facilitates convenient bill payment management.

## Version history (last 5 releases)

### 25.2.1 — 2026-05-05

Minor bug fixes and enhancements.

### 24.2.0 — 2025-08-28

• Easy access to the latest version of Zelle including QR codes for faster payments, ability to schedule recurring payments, and Zelle for small business

### 23.2.5 — 2024-08-20

- Latest Mobile Banking Enhancements
- NEW Credit Monitoring Tool
- NEW Debit Card Management Tool

### 23.2.0 — 2024-05-14

Latest mobile banking features and enhancements
NEW Credit Monitoring Tool

### 20.2.0 — 2023-03-07

•	Instant access to your accounts
•	Streamlined and cleaner design
•	Easier navigation with fewer clicks
•	Quick transfer feature in the accounts summary page
•	A new spending and budgeting tool

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*