# STC Mobile Banking vs Valley 1st CU

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.

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.

## The numbers

| Metric | STC Mobile Banking | Valley 1st CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (448 ratings)](https://appshunter.io/ios/app/stc-mobile-banking/id1069220545/reviews)** | [4.5 (112 ratings)](https://appshunter.io/ios/app/valley-1st-cu/id1658832565/reviews) |
| Number of ratings | **448** | 112 |
| Positive reviews | **43.5% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Monthly** | Every 5 months |
| Monetization | **Free** | Ad-supported |
| Size | 229 MB | 114 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Somerset Trust Company](https://appshunter.io/developer/537765815) | [VALLEY 1ST COMMUNITY FEDERAL CREDIT UNION (INC)](https://appshunter.io/developer/1250456659) |

## What reviewers say

### STC Mobile Banking

[App page](https://appshunter.io/ios/app/stc-mobile-banking/id1069220545)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 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)

**What reviewers complain about**

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

**Reported bugs**

- App crashes on opening
- Cannot add STC friend transfers
- Account number validation errors
- Authentication errors preventing login
- Password reset kicks user out after change

**Requested features**

- 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


### Valley 1st CU

[App page](https://appshunter.io/ios/app/valley-1st-cu/id1658832565)

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.

**Highlights:** Check account balances, Review recent transactions, Transfer funds between accounts, View and pay bills, Secure and fast access

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is STC Mobile Banking free?

STC Mobile Banking is free to download, with no in-app purchases.

### Is Valley 1st CU free?

Valley 1st CU is free to download, with no in-app purchases.

### Which has better reviews, STC Mobile Banking or Valley 1st CU?

STC Mobile Banking is rated higher. STC Mobile Banking averages 4.6 out of 5 from 448 ratings, while Valley 1st CU averages 4.5 from 112 ratings.

### Do STC Mobile Banking or Valley 1st CU have ads?

Valley 1st CU shows ads; STC Mobile Banking does not.

### Which is updated more often, STC Mobile Banking or Valley 1st CU?

STC Mobile Banking ships an update monthly, and Valley 1st CU every 5 months. Most recently, STC Mobile Banking was updated on October 24, 2026 and Valley 1st CU on October 24, 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.*