# SFCU CU vs NBT Bank

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.

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.

## The numbers

| Metric | SFCU CU | NBT Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (11K ratings)](https://appshunter.io/ios/app/sfcu-cu-online/id626177979/reviews)** | [4.7 (38K ratings)](https://appshunter.io/ios/app/nbt-bank/id711575888/reviews) |
| Number of ratings | 11K | **38K** |
| Positive reviews | **84.9% of reviews** | 46.5% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Monthly** | Every 7 months |
| Monetization | Ad-supported | **Free** |
| Size | 232 MB | 95 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [SIDNEY FEDERAL CREDIT UNION](https://appshunter.io/developer/626177982) | [NBT Bancorp, Inc.](https://appshunter.io/developer/711575891) |

## What reviewers say

### SFCU CU

[App page](https://appshunter.io/ios/app/sfcu-cu-online/id626177979)

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.

**Highlights:** Online account access, View account balances, Conduct transactions, Secure digital banking

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Convenient mobile banking
- 🔒 Secure online transactions
- 💡 Helpful customer service
- 🤝 Welcoming and friendly staff

**What reviewers complain about**

- 🐛 Recurring login issues
- ⏱️ Slow app performance
- 🔍 Difficult to find certain features
- 💳 Trouble with Zelle and money transfers
- 📱 Lack of landscape mode support

**Reported bugs**

- App crashes and freezes
- Account information not displaying correctly
- Issues with mobile check deposits

**Requested features**

- Card locking option
- Improved budget tracking tools
- Increased mobile deposit limits
- Seamless integration with other apps


### NBT Bank

[App page](https://appshunter.io/ios/app/nbt-bank/id711575888)

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.

**Highlights:** 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

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick and easy mobile banking
- 💡 Convenient check deposit feature
- 👍 Friendly and helpful staff at local branches

**What reviewers complain about**

- 🐛 Frequent app crashes and glitches
- 🔒 Overly strict security measures
- 🕰️ Slow transaction processing and account updates
- 💸 Predatory loan practices and high fees

**Reported bugs**

- Login issues with incorrect password warnings
- Transfer feature frequently malfunctioning
- Mobile deposit functionality not working as expected

**Requested features**

- Ability to make multiple check deposits in one transaction
- More customization options for app appearance and layout
- Improved accessibility for visually impaired users


## Frequently asked questions

### Is SFCU CU free?

SFCU CU is free to download, with no in-app purchases.

### Is NBT Bank free?

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

### Which has better reviews, SFCU CU or NBT Bank?

SFCU CU is rated higher. SFCU CU averages 4.8 out of 5 from 11K ratings, while NBT Bank averages 4.7 from 38K ratings.

### Do SFCU CU or NBT Bank have ads?

NBT Bank shows ads; SFCU CU does not.

### Which is updated more often, SFCU CU or NBT Bank?

SFCU CU ships an update monthly, and NBT Bank every 7 months. Most recently, SFCU CU was updated on September 23, 2026 and NBT Bank on September 24, 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.*