# First Source vs NBT Bank

The clearest difference is ads: First Source at none against NBT Bank's shown. First Source also leads on update cadence (monthly vs every 7 months). NBT Bank's advantage is monetization model (free vs free with in-app purchases) and ratings volume (38K vs 5.9K). On price, rating, review sentiment 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.

On the App Store both sit at effectively the same score — 4.8 for First Source against 4.7 for NBT Bank. That said, the two scores are not equally well evidenced: NBT Bank has 38K ratings behind it against 5.9K, so its average is the more settled of the two. Written reviews are what separate them: 39% of First Source's written reviews are positive against 47% of NBT Bank's.

First Source ships an update monthly, NBT Bank every 7 months. The most recent releases landed on October 14, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | First Source | NBT Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (5.9K ratings)](https://appshunter.io/ios/app/first-source/id430022181/reviews)** | [4.7 (38K ratings)](https://appshunter.io/ios/app/nbt-bank/id711575888/reviews) |
| Number of ratings | 5.9K | **38K** |
| Positive reviews | 39.0% of reviews | **46.6% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Monthly** | Every 7 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 126 MB | 95 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [First Source Federal Credit Union](https://appshunter.io/developer/430022184) | [NBT Bancorp, Inc.](https://appshunter.io/developer/711575891) |

## What reviewers say

### First Source

[App page](https://appshunter.io/ios/app/first-source/id430022181)

Manage your finances on the go with this free mobile banking app. Access accounts, transfer funds, pay bills, deposit checks, and find ATMs securely. Features include aggregated accounts, card controls, and secure messaging.

**Highlights:** Manage accounts and cards, View balances and transactions, Transfer money, Pay bills and friends, Deposit checks, Find branches and ATMs, Aggregated accounts, Card controls

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

**In-app purchases:** none

**What reviewers like**

- ⭐ Excellent service
- 💻 Convenient mobile app
- 🏦 Community-focused credit union
- 🤝 Helpful staff

**What reviewers complain about**

- 🐛 Frequent crashes and stability issues
- 📱 Compatibility problems on certain devices
- 🔒 Security and login issues
- 🔄 Inconsistent app updates

**Reported bugs**

- Unable to log in after recent update
- Check deposit feature not working consistently
- Accounts not syncing properly

**Requested features**

- Landscape mode support for iPad
- Improved transaction details and search
- Real-time balance updates
- Apple Pay integration


### NBT Bank

[App page](https://appshunter.io/ios/app/nbt-bank/id711575888)

Manage your personal or business finances conveniently from your mobile device. This app allows you to view balances, transfer funds, pay bills, deposit checks, and locate branches or ATMs. It also offers advanced features like biometric authentication and real-time alerts for enhanced security and ease of use.

**Highlights:** View account balances and transactions, Transfer funds between accounts, Pay bills and manage payees, Deposit checks remotely, Locate ATMs and branches, Biometric authentication, Real-time account alerts

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick and easy mobile banking
- 💡 Convenient check deposit feature
- 👍 Friendly and helpful staff at local branches

**What reviewers complain about**

- 🐛 Frequent app crashes and glitches
- 🔒 Overly strict security measures
- 🕰️ Slow transaction processing and account updates
- 💸 Predatory loan practices and high fees

**Reported bugs**

- Login issues with incorrect password warnings
- Transfer feature frequently malfunctioning
- Mobile deposit functionality not working as expected

**Requested features**

- Ability to make multiple check deposits in one transaction
- More customization options for app appearance and layout
- Improved accessibility for visually impaired users


## Frequently asked questions

### Is First Source free?

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

### Is NBT Bank free?

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

### Which has better reviews, First Source or NBT Bank?

First Source is rated higher. First Source averages 4.8 out of 5 from 5.9K ratings, while NBT Bank averages 4.7 from 38K ratings.

### Do First Source or NBT Bank have ads?

NBT Bank shows ads; First Source does not.

### Which is updated more often, First Source or NBT Bank?

First Source ships an update monthly, and NBT Bank every 7 months. Most recently, First Source was updated on October 14, 2026 and NBT Bank on October 16, 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.*