STC Mobile Banking vs Valley 1st CU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Bill payment
- Mobile check deposit
- Fund transfers
- Balance checking
- Debit card controls
- Branch/ATM locator
- Customizable alerts
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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.
Valley 1st CU
Manage your finances conveniently from your mobile device. Check balances, review transactions, pay bills, and transfer funds securely and quickly. Access is free, but standard messaging and data rates may apply.
- Check account balances
- Review recent transactions
- Transfer funds between accounts
- View and pay bills
- Secure and fast access
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Access your accounts when and where you want right in the palm of your hand. It’s fast, secure and free access to your accounts anytime, anywhere. You have access to check your balances, pay bills and transfer money...while you are on the go! Features: • Check your account balances • Review recent transactions • Transfer funds between your accounts • View and pay bills (you must be enrolled in bill pay within online banking) You need to be enrolled in Online Banking to use this app. To enroll, visit our website or any location. Mobile banking is free to access, but messaging and data rates may apply. Federally insured by the NCUA.
Screenshots
Verdict
STC Mobile Banking and Valley 1st CU both sit at 4.6 stars, but that hides the real split: 43% of STC Mobile Banking's written reviews are positive against 0% of Valley 1st CU's. STC Mobile Banking also leads on ads (none vs shown) and update cadence (monthly vs every 5 months). On price, rating, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.6 for STC Mobile Banking against 4.5 for Valley 1st CU. Both are backed by a comparable volume of ratings — 448 and 112 respectively. Written reviews are what separate them: 43% of STC Mobile Banking's written reviews are positive against 0% of Valley 1st CU's.
STC Mobile Banking ships an update monthly, Valley 1st CU every 5 months. Both last shipped on October 24, 2026.
| Parameter | STC Mobile Banking | Valley 1st CU |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (448 ratings) — better | 4.5 (112 ratings) |
| Positive reviews | 43.5% of reviews — better | 0.0% of reviews |
| Number of ratings | 448 — better | 112 |
| Update frequency | Monthly — better | Every 5 months |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 229 MB | 114 MB |
| Age rating | 4+ | 4+ |
| Developer | Somerset Trust Company | VALLEY 1ST COMMUNITY FEDERAL CREDIT UNION (INC) |
Customer experience
STC Mobile Banking
Valley 1st CU
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
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- 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
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- Fingerprint/TouchID login restoration
- Transaction reconciliation checkboxes
- Better vendor/merchant name visibility
- Pending transactions display
- Bill pay support for iPad users
Valley 1st CU
Not enough reviews yet to summarise bugs or requests.
In-app purchases
STC Mobile Banking
No in-app purchases
Valley 1st CU
No in-app purchases
Questions
Is STC Mobile Banking free?
Is Valley 1st CU free?
Which has better reviews, STC Mobile Banking or Valley 1st CU?
Do STC Mobile Banking or Valley 1st CU have ads?
Which is updated more often, STC Mobile Banking or Valley 1st CU?
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