# CedarStone Bank vs First State Bank

The clearest difference is monetization model: CedarStone Bank at free against First State Bank's free with in-app purchases. CedarStone Bank also leads on review sentiment (67% vs 48%) and iOS requirement (14.1 vs 18.4). First State Bank's advantage is ratings volume (2.2K vs 13) and update cadence (monthly vs every 4 months). On price, rating, 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.

First State Bank holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: First State Bank has 2.2K ratings behind it against 13, so its average is the more settled of the two. Written reviews complicate that: 67% of CedarStone Bank's written reviews are positive against 48% of First State Bank's, so the app with the better star average is not the one people write more warmly about.

CedarStone Bank ships an update every 4 months, First State Bank monthly. The most recent releases landed on November 1, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | CedarStone Bank | First State Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (13 ratings)](https://appshunter.io/ios/app/cedarstone-bank/id1000685437/reviews) | **[4.8 (2.2K ratings)](https://appshunter.io/ios/app/first-state-bank/id6444011186/reviews)** |
| Number of ratings | 13 | **2.2K** |
| Positive reviews | **66.7% of reviews** | 47.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 163 MB | 197 MB |
| Requires iOS | **14.1** | 18.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [CedarStone Bank](https://appshunter.io/developer/1000685436) | [FIRST STATE BANK (OH)](https://appshunter.io/developer/766857378) |

## What reviewers say

### CedarStone Bank

[App page](https://appshunter.io/ios/app/cedarstone-bank/id1000685437)

Securely manage your finances on the go. Access account balances, view activity, transfer funds, and pay bills. Easily locate branches and ATMs, and control your cards.

**Highlights:** View account balance, View account activity, Transfer funds, Bill Pay, Cards On/Off, Locate branch or ATM

**Features:** Apple Wallet

**In-app purchases:** none


### First State Bank

[App page](https://appshunter.io/ios/app/first-state-bank/id6444011186)

Manage your bank accounts securely on the go. View balances, transfer funds, deposit checks, and manage your debit card. Organize transactions with notes and photos, and set up custom alerts for important account activity.

**Highlights:** Real-time balance viewing, Fund transfers, Mobile check deposit, ATM/Debit card management, Transaction organization, Customizable alerts, Payment capabilities

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Great bank
- 🚀 Deposit checks without going to the bank
- 💡 Excellent service

**What reviewers complain about**

- 🐛 App not updated, balance and transactions delayed
- 🐛 App crashes, can't link accounts for transfers
- 🤔 Confusing new app design

**Reported bugs**

- App requires iOS 16.0 but many phones only support 15.8
- Card features had bugs that were later fixed

**Requested features**

- Bring back old app version
- Improve transaction visibility and timeliness


## Frequently asked questions

### Is CedarStone Bank free?

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

### Is First State Bank free?

First State Bank is free to download, with no in-app purchases.

### Which has better reviews, CedarStone Bank or First State Bank?

First State Bank is rated higher. CedarStone Bank averages 4.6 out of 5 from 13 ratings, while First State Bank averages 4.8 from 2.2K ratings.

### Do CedarStone Bank or First State Bank have ads?

Neither CedarStone Bank nor First State Bank shows ads.

### Which is updated more often, CedarStone Bank or First State Bank?

CedarStone Bank ships an update every 4 months, and First State Bank monthly. Most recently, CedarStone Bank was updated on November 1, 2026 and First State Bank on November 7, 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.*