UCB Banks vs State Central Bank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UCB Banks
Manage your banking needs securely and conveniently with this free mobile app. Access your accounts 24/7 to check balances, transfer funds, deposit checks, and monitor your credit score. It offers a quick and easy way to handle your finances on the go.
- Check account balances
- Review transaction history
- Transfer funds
- Make loan payments
- Deposit checks
- Monitor credit score
- Pay and receive bills
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Free Mobile Banking App for United Community Bank (UCB), Marine Bank & Trust (MBT), Brown County State Bank (BCSB), Farmers State Bank of Camp Point (FSBCP), United Commonwealth Bank (UCWB), Liberty Bank and Mercantile Bank. This app provides you with a quick, easy, and secure way to manage your banking needs anytime, anywhere. With 24/7 access to your accounts, you can: • Check account balances • Review transaction history • Transfer funds between accounts • Make loan payments • Deposit checks • Create and manage alerts • Monitor your credit score • Pay and receive bills • Access statements & tax documents If you are not currently enrolled as a UCB, MBT, BCSB, FSBCP, UCWB, Liberty Bank or Mercantile Bank online banking customer and wish to sign up, please visit UCBbank.com/mobile. Mobile data transmissions are sent and received using state-of-the-art encryption methods to prevent unauthorized access to your accounts. We’ll never transmit your account number or store private data on your phone. UCB is committed to protecting your privacy. View our privacy policy at ucbbank.com/privacy. Learn more about online and mobile security at ucbbank.com/alerts. For additional information, contact us at 855-822-5880. United Community Bank. Member FDIC and an Equal Housing Lender.
State Central Bank
Manage your money on the go with this secure banking app. Set up balance alerts, make payments, transfer funds, and deposit checks instantly. Access statements and find nearby branches and ATMs.
- Balance alerts
- Make payments
- Transfer money
- Mobile check deposit
- View statements
- Find branches/ATMs
- Passcode/biometric security
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State Central Bank is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what you can do with State Central Bank: -Set up alerts so you know when your balance drops below a certain amount -Make payments, whether you’re paying a company or a friend -Transfer money between your accounts -Deposit checks in a snap by taking a picture of the front and back -View and save your monthly statements -Find branches and ATMs near you Secure your account with a 4-digit passcode or biometric on supported devices.
Screenshots
Verdict
UCB Banks and State Central Bank both sit at 4.8 stars, but that hides the real split: 100% of State Central Bank's written reviews are positive against 55% of UCB Banks's. State Central Bank also leads on ads (none vs shown) and update cadence (monthly vs every 3 months). UCB Banks's advantage is ratings volume (9.8K vs 77) and iOS requirement (15.0 vs 18.4). 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 — 4.8 for UCB Banks against 4.9 for State Central Bank. That said, the two scores are not equally well evidenced: UCB Banks has 9.8K ratings behind it against 77, so its average is the more settled of the two. Written reviews are what separate them: 55% of UCB Banks's written reviews are positive against 100% of State Central Bank's.
UCB Banks ships an update every 3 months, State Central Bank monthly. The most recent releases landed on November 1, 2026 and October 25, 2026 respectively.
| Parameter | UCB Banks | State Central Bank |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (9.8K ratings) | 4.9 (77 ratings) — better |
| Positive reviews | 55.4% of reviews | 100.0% of reviews — better |
| Number of ratings | 9.8K — better | 77 |
| Update frequency | Every 3 months | Monthly — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Ad-supported — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 18.4 |
| Further details — not scored | ||
| Size | 117 MB | 196 MB |
| Age rating | 4+ | 12+ |
| Developer | United Community Bancorp, Inc. | State Central Bank |
Customer experience
UCB Banks
State Central Bank
Bugs and requests
UCB Banks
Reported bugs
5 issues- Login issues and account lockouts
- App crashes on startup
- Alerts and notifications not working
- Inconsistent performance across devices
- Trouble accessing accounts and features
Requested features
5 requests- Add ability to add notes/descriptions to transfers
- Improve mobile check deposit functionality
- Integrate with more money transfer services
- Provide option to enlarge font size
- Restore ability to view check images
State Central Bank
Not enough reviews yet to summarise bugs or requests.
In-app purchases
UCB Banks
No in-app purchases
State Central Bank
No in-app purchases
Questions
Is UCB Banks free?
Is State Central Bank free?
Which has better reviews, UCB Banks or State Central Bank?
Do UCB Banks or State Central Bank have ads?
Which is updated more often, UCB Banks or State Central Bank?
Other comparisons
