Comparison

STC Mobile Banking vs WEPCO Mobile

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

STC Mobile Banking

Manage your finances on the go with this banking app. Quickly pay bills, deposit checks with a photo, and transfer funds to others. Enjoy secure access to balances, card controls, and branch locations.

Highlights
  • Bill payment
  • Mobile check deposit
  • Fund transfers
  • Balance checking
  • Debit card controls
  • Branch/ATM locator
  • Customizable alerts
Features
Read full description

The STC Mobile app from Somerset Trust is more versatile and convenient. Quickly pay bills and deposit checks just by taking a picture. Easily transfer money to friends or family. Check balances faster without having to log in. You can do all this and more, and do it all with multiple layers of security. The STC Mobile app - designed to let you do just about anything, anywhere, anytime. Now that’s convenient! Our mobile app is FREE and allows you to: • Transfer funds to friends and family • Make a check deposit on the go • Check your balances without logging in • Locate a branch or ATM • Turn your debit card on/off for extra security • Contact our People First Call Center • Set alerts • Share our app with friends and family To enroll in mobile banking, you must be a customer of Somerset Trust. Simply download the free mobile banking app and click ‘Register Now’ to get started. Disclosure: Some features are available for eligible customers and accounts only. There is no charge from Somerset Trust Co for STC Mobile. There may be message and data rates from your communications service provider. STC Mobile service may be interrupted by various reasons including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations.

About

WEPCO Mobile

Consolidate all your financial accounts, including those from other institutions, into a single, real-time view. This secure tool helps you stay organized and make informed financial decisions with features like transaction tagging and bill alerts.

Highlights
  • Multi-account aggregation
  • Transaction history and spending averages
  • Customizable alerts and notifications
  • Add tags, notes, and images to transactions
  • ATM and branch locator
  • Bank-level security with passcode
Features
Read full description

The WEPCO Mobile App is a free mobile decision-support tool that gives you the ability to aggregate all of your financial accounts, including accounts from other financial institutions, into a single, up-to-the-minute view so you can stay organized and make smarter financial decisions. It is fast, secure and makes life easier by empowering you with the tools you need to manage your personal finances. FEATURES Multi-Account Aggregation: View all of your financial information (balances, transaction history, merchant spending averages) in one place for on-the-go organization. Alerts & Notifications: Set alerts for low funds and be notified about upcoming bills. Add Tags, Notes, Images & Geo-Information: By enhancing transactions with custom tags, notes or photos of a receipt or check, you have the ability to stay organized and find exactly what you’re looking for when searching through your finances. Contact: Locate ATMs or branches and contact WEPCO FCU customer service directly from the app. SAFE AND SECURE The app utilizes the same bank-level security that protects you when you’re on Internet Banking. The app also features a unique 4-digit passcode setting that prevents unauthorized access. GETTING STARTED To use the WEPCO Mobile App, you must be enrolled as an WEPCO FCU Internet Banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials. After you successfully login to the app, your accounts and transactions will begin updating.

Screenshots

STC Mobile Banking4 screens
WEPCO Mobile4 screens

Verdict

The call

The clearest difference is monetization model: STC Mobile Banking at free against WEPCO Mobile's free with in-app purchases. STC Mobile Banking also leads on iOS requirement (16.0 vs 18.4). WEPCO Mobile's advantage is review sentiment (63% vs 43%) and rating (4.8 vs 4.6). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

WEPCO Mobile holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 443 and 2.2K respectively. Written reviews point the same way: 43% of STC Mobile Banking's written reviews are positive against 63% of WEPCO Mobile's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. Both last shipped on October 17, 2026.

Scorecard5 real differences · 5 level
STC Mobile Banking versus WEPCO Mobile: the parameters behind the verdict, then further details
ParameterSTC Mobile BankingWEPCO Mobile
PriceFreeFree
Rating4.6 (443 ratings)4.8 (2.2K ratings) — better
Positive reviews43.5% of reviews63.2% of reviews — better
Number of ratings4432.2K — better
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better18.4
Further details — not scored
Size229 MB197 MB
Age rating4+12+
DeveloperSomerset Trust CompanyWEPCO Federal Credit Union Inc

Customer experience

STC Mobile Banking

All ratings443 ratings
Positive90.7%
Neutral2.9%
Negative6.3%
Written reviews46 reviews
Positive43.5%
Neutral2.2%
Negative54.3%

WEPCO Mobile

All ratings2,189 ratings
Positive96.0%
Neutral2.1%
Negative1.9%
Written reviews19 reviews
Positive63.2%
Neutral5.3%
Negative31.6%

User reviews

STC Mobile Banking

From 443 App Store ratings

What we love

  • 👍 Easy navigation and user-friendly interface
  • 💰 Multi-account visibility across financial institutions
  • 📱 Convenient 24/7 mobile banking access
  • ✅ Improved modern design compared to old app
  • 💳 Debit card control features (on/off toggle)

Room to improve

  • 🐛 Frequent app crashes and freezing
  • ⏱️ Slow mobile deposit processing
  • ⏱️ Delayed account balance updates (24-48 hours)
  • 🔐 Login and authentication errors
  • 🐛 App requires frequent restarts

WEPCO Mobile

From 2.2K App Store ratings

What we love

  • 👍 Convenient mobile access
  • 💡 Ability to manage multiple accounts
  • 🚀 Quick and easy to use
  • 🔒 Secure with face recognition

Room to improve

  • 🐛 App crashes and issues with updates
  • 🐛 Transactions not accurately reflected
  • 🐛 Compatibility issues with older devices

Bugs and requests

STC Mobile Banking

Reported bugs

12 issues
  • App crashes on opening
  • Cannot add STC friend transfers
  • Account number validation errors
  • Authentication errors preventing login
  • Password reset kicks user out after change
Show 7 more
  • Cannot sign in after update
  • Mobile deposit screen shows thick white line and frozen small square
  • Fingerprint login disabled when linked accounts present
  • Inconsistent vendor information display
  • Account balance not reflecting transactions for days
  • Requires phone reboot to login
  • Thick white line appears during mobile deposit photo capture

Requested features

10 requests
  • Dark mode option
  • Real-time transaction and pending status updates
  • Running balance total per transaction
  • Automatic check photo capture (front and back)
  • Full iPad screen optimization
Show 5 more
  • Fingerprint/TouchID login restoration
  • Transaction reconciliation checkboxes
  • Better vendor/merchant name visibility
  • Pending transactions display
  • Bill pay support for iPad users

WEPCO Mobile

Reported bugs

2 issues
  • App not allowing mobile deposits
  • Account information not updating in a timely manner

Requested features

2 requests
  • Ability to update app independently of device updates
  • Improved transaction tracking and balance display

In-app purchases

None

STC Mobile Banking

No in-app purchases

None

WEPCO Mobile

No in-app purchases

Questions

Is STC Mobile Banking free?
STC Mobile Banking is free to download, with no in-app purchases.
Is WEPCO Mobile free?
WEPCO Mobile is free to download, with no in-app purchases.
Which has better reviews, STC Mobile Banking or WEPCO Mobile?
WEPCO Mobile is rated higher. STC Mobile Banking averages 4.6 out of 5 from 443 ratings, while WEPCO Mobile averages 4.8 from 2.2K ratings.
Do STC Mobile Banking or WEPCO Mobile have ads?
Neither STC Mobile Banking nor WEPCO Mobile shows ads.
Which is updated more often, STC Mobile Banking or WEPCO Mobile?
STC Mobile Banking ships an update monthly, and WEPCO Mobile monthly. Most recently, STC Mobile Banking was updated on October 17, 2026 and WEPCO Mobile on October 17, 2026.

Other comparisons