Comparison

STC Mobile Banking vs PSECU 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

PSECU Mobile

Manage your finances with a digital-first credit union app. Easily move money, control your cards, and access free financial tools like credit score monitoring and bill pay. Enjoy banking focused on your needs.

Highlights
  • Instant money transfers between accounts
  • External account transfers
  • Send money with Zelle®
  • Mobile check deposit
  • Card locking and replacement
  • Travel plan notifications
  • Free credit score monitoring
Features
Read full description

As a digital-first credit union, we use the latest (and most secure!) technology available to meet your banking needs on your terms. The PSECU Mobile app provides everyday convenience, real-time access, and top-notch features for our members. Get Your Money Where It Needs to Go - Instantly move money between PSECU shares and loans. - Bring money into your PSECU account with our external account transfer service. - Send money to people you know and trust, typically in minutes between enrolled users, with Zelle®. - Snap and go! Use mobile deposit to easily deposit checks and save a trip to an ATM or branch. Control Your Cards with Just a Few Taps - Misplaced your card? Lock it the moment you notice it's missing. You can also order a new one! - Planning a trip? Enter travel plans to avoid interruptions in service. - Making a large purchase? Temporarily increase your daily limit for ATM withdrawals or purchases. - Transfer high-interest debt to a PSECU credit card to save on interest with our Visa® Balance Transfer rates. Members Can Take Advantage of Free Services - Enroll in our free credit score service* to receive monthly updates on your score. - Sign up for free account alerts to stay on top of account activity. - Automate bill payments using our free bill payer service. - Find surcharge-free ATMs near you. Add Additional Savings Products - Take advantage of our competitive savings rates and add a certificate or other savings share to your PSECU account. Enjoy Banking That’s Focused on YOU - As a not-for-profit credit union, we exist to serve our members. That means listening to your feedback and ensuring you have the best banking experience possible. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. * PSECU is not a credit reporting agency. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint owners are not eligible. Insured by NCUA.

Screenshots

STC Mobile Banking4 screens
PSECU Mobile4 screens

Verdict

The call

The clearest difference is ratings volume: PSECU Mobile at 32K against STC Mobile Banking's 443. PSECU Mobile also leads on review sentiment (61% 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

PSECU Mobile holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: PSECU Mobile has 32K ratings behind it against 443, so its average is the more settled of the two. Written reviews point the same way: 43% of STC Mobile Banking's written reviews are positive against 61% of PSECU Mobile's.

UpkeepUpdate frequency

STC Mobile Banking ships an update monthly, PSECU Mobile every 3 weeks. The most recent releases landed on October 5, 2026 and October 15, 2026 respectively.

Scorecard3 real differences · 7 level
STC Mobile Banking versus PSECU Mobile: the parameters behind the verdict, then further details
ParameterSTC Mobile BankingPSECU Mobile
PriceFreeFree
Rating4.6 (443 ratings)4.8 (32K ratings) — better
Positive reviews43.5% of reviews60.8% of reviews — better
Number of ratings44332K — better
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size229 MB196 MB
Age rating4+4+
DeveloperSomerset Trust CompanyPennsylvania State Employees Credit Union

Customer experience

STC Mobile Banking

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

PSECU Mobile

All ratings32,280 ratings
Positive96.9%
Neutral1.1%
Negative2.0%
Written reviews176 reviews
Positive60.8%
Neutral6.8%
Negative32.4%

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

PSECU Mobile

From 32K App Store ratings

What we love

  • 🚀 Fast and responsive
  • 🔒 Robust security features
  • 👍 Intuitive and user-friendly
  • 💡 Useful account insights
  • 🚀 Improved app performance after reinstall

Room to improve

  • 🐛 Slow load times and unresponsive navigation
  • 🐛 Frequent crashes and login issues
  • 🐛 Compatibility problems with newer devices
  • 🐛 Inconsistent handling of pending transactions
  • 🐛 Buggy mobile deposit feature

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

PSECU Mobile

Reported bugs

3 issues
  • Login screen freezes and account lockouts
  • Inability to complete mobile check deposits
  • Inconsistent app performance across devices

Requested features

4 requests
  • Ability to quickly switch between accounts
  • Detailed transaction history and balance information
  • Dark mode option for better visibility
  • Improved widget functionality

In-app purchases

None

STC Mobile Banking

No in-app purchases

None

PSECU Mobile

No in-app purchases

Questions

Is STC Mobile Banking free?
STC Mobile Banking is free to download, with no in-app purchases.
Is PSECU Mobile free?
PSECU Mobile is free to download, with no in-app purchases.
Which has better reviews, STC Mobile Banking or PSECU Mobile?
PSECU Mobile is rated higher. STC Mobile Banking averages 4.6 out of 5 from 443 ratings, while PSECU Mobile averages 4.8 from 32K ratings.
Do STC Mobile Banking or PSECU Mobile have ads?
Neither STC Mobile Banking nor PSECU Mobile shows ads.
Which is updated more often, STC Mobile Banking or PSECU Mobile?
STC Mobile Banking ships an update monthly, and PSECU Mobile every 3 weeks. Most recently, STC Mobile Banking was updated on October 5, 2026 and PSECU Mobile on October 15, 2026.

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