Comparison

USB vs The CSB

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

Head to head
About

USB

Manage your bank accounts from your smartphone or tablet with this secure and user-friendly mobile banking app. Perform transactions, deposit checks, pay bills, and locate branches conveniently. Enjoy 24/7 access to your finances with enhanced security features.

Highlights
  • Check account balances 24/7
  • View pending transactions
  • Seamless funds transfers
  • Convenient bill pay
  • Mobile check deposits
  • Secure messaging
  • Branch locator
Features
Read full description

Bank Anywhere, Anytime, on Any Device with USB Mobile Banking! Take control of your finances effortlessly with the USB Mobile App, designed to provide ultimate convenience, security, and efficiency. Whether you're on your smartphone or tablet, enjoy the freedom to manage your accounts on the go. Why Choose the USB Mobile App? The Union State Bank mobile banking app is your all-in-one solution for banking on your terms. With a sleek, user-friendly design and robust features, you’ll have access to essential banking services wherever you are. And the best part? It’s fast, free, and exclusively available to our valued customers. Features and Benefits at Your Fingertips: Here’s what you can do with the Mobile Banking App: • Check Balances Anytime: Monitor your accounts 24/7 to stay on top of your finances. • View Pending Transactions: See what’s in the pipeline for better financial planning. • Seamless Funds Transfers: Create, approve, cancel, or view fund transfers quickly and securely. • Detailed Transaction History: Access past transactions with images for full transparency. • Secure Messaging: Send and receive secure messages for personalized assistance. • Convenient Bill Pay: Pay bills with ease, saving time and avoiding late fees. • Mobile Deposits: Deposit checks from anywhere by simply snapping a picture. • Customer-to-Customer Transfers: Transfer money instantly between Union State Bank customers. • Branch Locator: Find nearby branches and get their hours of operation. Enhanced Security for Peace of Mind • Biometric Login: Use fingerprint or facial recognition (on compatible devices) for fast, secure access. • Passcode Authentication: Protect your app with an additional layer of security. Experience the Future of Banking Today! Simplify your life with Mobile Banking. Download the app now and unlock the power to bank on your schedule – wherever and whenever it suits you.

About

The CSB

Manage your bank accounts, transfer funds, and locate branches or ATMs directly from your Apple device. This secure and fast application offers convenient access to your financial information anytime, anywhere. It also includes features for depositing checks and paying bills.

Highlights
  • Manage accounts
  • Transfer money
  • Deposit checks
  • Find ATMs and branches
  • Pay bills
  • View cashback offers
Features
Read full description

Do your banking right from your Apple device! You can manage your accounts, transfer money, and find ATMs and more! The Citizens State Bank Mobile App allows you to manage accounts from your mobile device…anytime, anywhere. It’s fast, secure and free. With Citizens State Bank Mobile, you can: • Check available balances & transaction history • Transfer money between CSB accounts • Deposit checks • Find the nearest CSB branches and ATMs •pay bills • view and activate your cash back offers • Send us a message To use The CSB Mobile App, you must be a CSB customer and enrolled in our online banking service. To sign up, visit www.thecsb.com and click on Internet Banking. To learn how we protect your privacy, please visit https://www.thecsb.com/privacy/

Screenshots

USB4 screens
The CSB4 screens

Verdict

The call

USB and The CSB are too close to call on the numbers: across 10 compared parameters — price, rating, review sentiment and ratings volume among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

On the App Store both sit at effectively the same score — 4.7 for USB against 4.8 for The CSB. Both are backed by a comparable volume of ratings — 369 and 664 respectively. Written reviews are what separate them: 86% of USB's written reviews are positive against 93% of The CSB's.

UpkeepUpdate frequency

USB ships an update every 5 months, The CSB every 3 months. Both last shipped on October 13, 2026.

ScorecardNo meaningful differences
USB versus The CSB: the parameters behind the verdict, then further details
ParameterUSBThe CSB
PriceFreeFree
Rating4.7 (369 ratings)4.8 (664 ratings) — better
Positive reviews86.2% of reviews92.9% of reviews — better
Number of ratings369664 — better
Update frequencyEvery 5 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better17.0
Further details — not scored
Size105 MB94 MB
Age rating4+4+
DeveloperUnion State Bank, KansasThe Citizens State Bank

Customer experience

USB

All ratings369 ratings
Positive92.4%
Neutral3.8%
Negative3.8%
Written reviews123 reviews
Positive86.2%
Neutral6.5%
Negative7.3%

The CSB

All ratings664 ratings
Positive96.4%
Neutral2.3%
Negative1.4%
Written reviews14 reviews
Positive92.9%
Neutral0.0%
Negative7.1%

User reviews

USB

From 369 App Store ratings

What we love

  • 👍 Convenient and helpful
  • 🚀 Fast, accurate, and useful
  • 🔒 Provides strong security features
  • 👍 User-friendly and easy to navigate
  • 👍 Excellent customer service

Room to improve

  • 🐛 Occasional login and password issues
  • 🐛 Inconsistent date display for transactions
  • 🐛 Delayed processing of pending transactions
  • 🐛 Requires frequent re-enrollment and Face ID setup

The CSB

From 664 App Store ratings

What we love

  • 👍 Fantastic customer service
  • 📱 Easy-to-use app interface
  • 🚀 Efficient and quick transactions
  • 🏠 Banking away from home made easy
  • 🔒 Safe and secure app

Room to improve

  • 🤔 No Touch ID option
  • ⏳ Deposit history doesn't go back far enough
  • ⚠️ App not opening consistently after update

Bugs and requests

USB

Reported bugs

2 issues
  • App crashes or becomes unresponsive
  • Compatibility issues with newer OS versions

Requested features

3 requests
  • Ability to print account activity
  • Addition of budgeting and financial management tools
  • Faster availability of deposited funds

The CSB

Reported bugs

2 issues
  • App not opening consistently after update
  • Keyboard could use an update to match iOS 7

Requested features

4 requests
  • Add Touch ID option
  • Extend deposit history
  • Update keyboard to match iOS 7
  • Ensure consistent app opening after updates

In-app purchases

None

USB

No in-app purchases

None

The CSB

No in-app purchases

Questions

Is USB free?
USB is free to download, with no in-app purchases.
Is The CSB free?
The CSB is free to download, with no in-app purchases.
Which has better reviews, USB or The CSB?
The CSB is rated higher. USB averages 4.7 out of 5 from 369 ratings, while The CSB averages 4.8 from 664 ratings.
Do USB or The CSB have ads?
Neither USB nor The CSB shows ads.
Which is updated more often, USB or The CSB?
USB ships an update every 5 months, and The CSB every 3 months. Most recently, USB was updated on October 13, 2026 and The CSB on October 13, 2026.

Other comparisons