SFCU CU vs NBT Bank
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
SFCU CU
Access your Sidney Federal Credit Union accounts conveniently online. Manage your finances, view balances, and conduct transactions from anywhere. Stay in control of your money with secure and easy-to-use digital banking.
- Online account access
- View account balances
- Conduct transactions
- Secure digital banking
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Online account access for Sidney Federal Credit Union
NBT Bank
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.
- 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
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NBT Bank Focused on What Matters. Our Mobile Banking app provides you with the convenience of managing your personal or business finances anytime, anywhere from your iOS device. GETTING STARTED Enrolling in Mobile Banking is easy! Simply download the app and click the “Register” icon on the main screen. If you are a business customer, please visit your local branch for more information or to enroll. FEATURES • View account balances • View recent transactions • Transfer funds between your NBT accounts and accounts held at other financial institutions• Pay bills • Add, Edit, Delete Bill Pay Payees • View and modify future scheduled Bill Payments • View recently processed Bill Payments • Send and receive money to friends, family, and others with just their email address or phone number • Deposit a check with Mobile Deposit • Locate ATMs or Bank Offices by city, state, zip code or use of your device’s Geo-Locator • Open an account • Make a loan payment • Setup more than 20 real-time account alerts • View up to 7 years’ worth of check and deposit images • Enroll in biometric authentication to sign in quickly and easily. • Enroll in Fast Balances to see current balances without logging in. • Contact our Call Center for Customer Service assistance by phone or e-mail Business Only Features Business Only Features • Initiate and approve ACH & Wire transactions • Access Positive Pay / ACH Reporting ABOUT NBT Bank is an independent community bank based in Norwich, N.Y. We offer personal banking, business banking and wealth management services across locations in seven states, including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. More information about NBT is available online at www.nbtbank.com. Member FDIC. CONTACT For assistance, please contact 1.800.NBT.BANK (1.800.628.2265) or customerservice@nbtbank.com. SECURITY When it comes to protecting your personal or business finances you can never be too careful. For tips and additional information on how to use Mobile Banking safely and securely, visit: https://www.nbtbank.com/Personal/Customer-Support/Fraud-Information-Center Access to your personal or business accounts is available through use of this single Mobile Banking. NBT Bank Mobile Banking is FREE to all NBT customers. Mobile Carrier standard data and message fees may apply. Use of the Mobile Banking app and any of its features demonstrates understanding and consent of the NBT Online and Mobile Banking Terms and Conditions. Member FDIC
Screenshots
Verdict
SFCU CU and NBT Bank both sit at 4.8 stars, but that hides the real split: 85% of SFCU CU's written reviews are positive against 47% of NBT Bank's. SFCU CU also leads on ads (none vs shown) and update cadence (monthly vs every 7 months). NBT Bank's advantage is monetization model (free vs ad-supported) and ratings volume (38K vs 11K). 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 SFCU CU against 4.7 for NBT Bank. Both are backed by a comparable volume of ratings — 11K and 38K respectively. Written reviews are what separate them: 85% of SFCU CU's written reviews are positive against 47% of NBT Bank's.
SFCU CU ships an update monthly, NBT Bank every 7 months. The most recent releases landed on September 23, 2026 and September 24, 2026 respectively.
| Parameter | SFCU CU | NBT Bank |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (11K ratings) — better | 4.7 (38K ratings) |
| Positive reviews | 84.9% of reviews — better | 46.5% of reviews |
| Number of ratings | 11K | 38K — better |
| Update frequency | Monthly — better | Every 7 months |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 232 MB | 95 MB |
| Age rating | 4+ | 4+ |
| Developer | SIDNEY FEDERAL CREDIT UNION | NBT Bancorp, Inc. |
Customer experience
SFCU CU
NBT Bank
User reviews
SFCU CU
From 11K App Store ratingsWhat we love
- 👍 User-friendly interface
- 🚀 Convenient mobile banking
- 🔒 Secure online transactions
- 💡 Helpful customer service
- 🤝 Welcoming and friendly staff
Room to improve
- 🐛 Recurring login issues
- ⏱️ Slow app performance
- 🔍 Difficult to find certain features
- 💳 Trouble with Zelle and money transfers
- 📱 Lack of landscape mode support
NBT Bank
From 38K App Store ratingsWhat we love
- 🚀 Quick and easy mobile banking
- 💡 Convenient check deposit feature
- 👍 Friendly and helpful staff at local branches
Room to improve
- 🐛 Frequent app crashes and glitches
- 🔒 Overly strict security measures
- 🕰️ Slow transaction processing and account updates
- 💸 Predatory loan practices and high fees
Bugs and requests
SFCU CU
Reported bugs
3 issues- App crashes and freezes
- Account information not displaying correctly
- Issues with mobile check deposits
Requested features
4 requests- Card locking option
- Improved budget tracking tools
- Increased mobile deposit limits
- Seamless integration with other apps
NBT Bank
Reported bugs
3 issues- Login issues with incorrect password warnings
- Transfer feature frequently malfunctioning
- Mobile deposit functionality not working as expected
Requested features
3 requests- Ability to make multiple check deposits in one transaction
- More customization options for app appearance and layout
- Improved accessibility for visually impaired users
In-app purchases
SFCU CU
No in-app purchases
NBT Bank
No in-app purchases
Questions
Is SFCU CU free?
Is NBT Bank free?
Which has better reviews, SFCU CU or NBT Bank?
Do SFCU CU or NBT Bank have ads?
Which is updated more often, SFCU CU or NBT Bank?
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