# UCB Banks vs State Central Bank

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.

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.

## The numbers

| Metric | UCB Banks | State Central Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (9.8K ratings)](https://appshunter.io/ios/app/ucb-banks/id533451602/reviews) | **[4.9 (77 ratings)](https://appshunter.io/ios/app/state-central-bank/id6450517708/reviews)** |
| Number of ratings | **9.8K** | 77 |
| Positive reviews | 55.4% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 117 MB | 196 MB |
| Requires iOS | **15.0** | 18.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [United Community Bancorp, Inc.](https://appshunter.io/developer/529254398) | [State Central Bank](https://appshunter.io/developer/1693675507) |

## What reviewers say

### UCB Banks

[App page](https://appshunter.io/ios/app/ucb-banks/id533451602)

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.

**Highlights:** Check account balances, Review transaction history, Transfer funds, Make loan payments, Deposit checks, Monitor credit score, Pay and receive bills

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient mobile banking
- 💳 Helpful with managing accounts
- 🔒 Secure app
- 💡 Great new features

**What reviewers complain about**

- 🐛 Frequent crashes and glitches
- ⚠️ Unreliable login and access
- 🔍 Limited functionality compared to website
- 🕰️ Slow performance and loading times
- 🔒 Frustrating security measures

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/state-central-bank/id6450517708)

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.

**Highlights:** Balance alerts, Make payments, Transfer money, Mobile check deposit, View statements, Find branches/ATMs, Passcode/biometric security

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is UCB Banks free?

UCB Banks is free to download, with no in-app purchases.

### Is State Central Bank free?

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

### Which has better reviews, UCB Banks or State Central Bank?

State Central Bank is rated higher. UCB Banks averages 4.8 out of 5 from 9.8K ratings, while State Central Bank averages 4.9 from 77 ratings.

### Do UCB Banks or State Central Bank have ads?

UCB Banks shows ads; State Central Bank does not.

### Which is updated more often, UCB Banks or State Central Bank?

UCB Banks ships an update every 3 months, and State Central Bank monthly. Most recently, UCB Banks was updated on November 1, 2026 and State Central Bank on October 25, 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.*