Comparison

1ST SUMMIT Mobile Banking vs STC Mobile Banking

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

Head to head
About

1ST SUMMIT Mobile Banking

Manage your bank accounts, deposit checks, and pay bills conveniently from your mobile device. Access your financial information securely anytime, anywhere. Find nearby branches and ATMs with ease.

Highlights
  • Manage accounts
  • Deposit checks
  • Transfer money
  • Pay bills
  • Find ATMs and branches
  • View transaction history
Read full description

1st SUMMIT BANK’s Mobile App makes it easy for you to bank on the go. Do your banking right from your iPhone and iPad! You can manage your accounts, pay bills, find ATMs and more! Bank with confidence – 1st SUMMIT BANK’s Mobile App allows you to manage accounts from your mobile device...anytime, anywhere. Now it’s easy to do banking 24/7, right from your iPhone and iPad. It’s fast, secure and free. With 1st SUMMIT Mobile, you can: • Check available balances & transaction history • Deposit checks right from your iPhone or iPad • Transfer money between 1st SUMMIT accounts • Find the nearest 1st SUMMIT branches and ATMs • Pay bills and credit cards To use 1st SUMMIT Mobile, you must be a 1st SUMMIT Bank customer and enrolled in our online banking service. To sign up, visit www.1stsummit.com To learn how we protect your privacy, please visit http://www.1stsummit.com/pages/privacy.html

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.

Screenshots

1ST SUMMIT Mobile Banking4 screens
STC Mobile Banking4 screens

Verdict

The call

The clearest difference is ads: STC Mobile Banking at none against 1ST SUMMIT Mobile Banking's shown. STC Mobile Banking also leads on update cadence (monthly vs every 3 months). 1ST SUMMIT Mobile Banking's advantage is review sentiment (74% vs 43%) and ratings volume (1.6K vs 443). On price, rating, in-app purchases and monetization model 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

1ST SUMMIT Mobile Banking holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 1.6K and 443 respectively. Written reviews point the same way: 74% of 1ST SUMMIT Mobile Banking's written reviews are positive against 43% of STC Mobile Banking's.

UpkeepUpdate frequency

1ST SUMMIT Mobile Banking ships an update every 3 months, STC Mobile Banking monthly. The most recent releases landed on October 15, 2026 and October 17, 2026 respectively.

Scorecard4 real differences · 6 level
1ST SUMMIT Mobile Banking versus STC Mobile Banking: the parameters behind the verdict, then further details
Parameter1ST SUMMIT Mobile BankingSTC Mobile Banking
PriceFreeFree
Rating4.8 (1.6K ratings) — better4.6 (443 ratings)
Positive reviews74.5% of reviews — better43.5% of reviews
Number of ratings1.6K — better443
Update frequencyEvery 3 monthsMonthly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS17.016.0 — better
Further details — not scored
Size101 MB229 MB
Age rating4+4+
Developer1ST SUMMIT BANKSomerset Trust Company

Customer experience

1ST SUMMIT Mobile Banking

All ratings1,460 ratings
Positive95.8%
Neutral2.1%
Negative2.2%
Written reviews47 reviews
Positive74.5%
Neutral8.5%
Negative17.0%

STC Mobile Banking

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

User reviews

1ST SUMMIT Mobile Banking

From 1.6K App Store ratings

What we love

  • 👍 User-friendly
  • 💳 Convenient banking features
  • 🚀 Easy to use
  • 💳 Helpful for managing accounts
  • 🚀 Saves time and money

Room to improve

  • 🐛 Remote deposit issues
  • 🐛 Unreliable app performance
  • 🐛 Slow transaction updates
  • 🐛 Buggy login and balance display

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

Bugs and requests

1ST SUMMIT Mobile Banking

Reported bugs

3 issues
  • Remote deposit frequently fails
  • App crashes and glitches
  • Balance information not up-to-date

Requested features

7 requests
  • Add ability to edit/update bill pay contacts
  • Include individual branch phone numbers
  • Optimize for iPhone 5 screen size
  • Allow default to list view instead of map view for locations
  • Add payee creation within the app
Show 2 more
  • Provide real-time transaction updates
  • Add search functionality for transactions

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

In-app purchases

None

1ST SUMMIT Mobile Banking

No in-app purchases

None

STC Mobile Banking

No in-app purchases

Questions

Is 1ST SUMMIT Mobile Banking free?
1ST SUMMIT Mobile Banking is free to download, with no in-app purchases.
Is STC Mobile Banking free?
STC Mobile Banking is free to download, with no in-app purchases.
Which has better reviews, 1ST SUMMIT Mobile Banking or STC Mobile Banking?
1ST SUMMIT Mobile Banking is rated higher. 1ST SUMMIT Mobile Banking averages 4.8 out of 5 from 1.6K ratings, while STC Mobile Banking averages 4.6 from 443 ratings.
Do 1ST SUMMIT Mobile Banking or STC Mobile Banking have ads?
1ST SUMMIT Mobile Banking shows ads; STC Mobile Banking does not.
Which is updated more often, 1ST SUMMIT Mobile Banking or STC Mobile Banking?
1ST SUMMIT Mobile Banking ships an update every 3 months, and STC Mobile Banking monthly. Most recently, 1ST SUMMIT Mobile Banking was updated on October 15, 2026 and STC Mobile Banking on October 17, 2026.

Other comparisons