# First Century Bank vs Thread | Personal Banking

The clearest difference is rating: First Century Bank at 4.9 against Thread | Personal Banking's 3.0. First Century Bank also leads on ratings volume (941 vs 2). Thread | Personal Banking's advantage is iOS requirement (12.4 vs 18.4). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

First Century Bank holds the better App Store score, 4.9 against 3.0. That said, the two scores are not equally well evidenced: First Century Bank has 941 ratings behind it against 2, so its average is the more settled of the two.

First Century Bank ships an update monthly, Thread | Personal Banking every 2 months. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | First Century Bank | Thread | Personal Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (941 ratings)](https://appshunter.io/ios/app/first-century-bank/id6444295306/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/thread-personal-banking/id6475272810/reviews) |
| Number of ratings | **941** | 2 |
| Positive reviews | 90.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Free | Free |
| Size | 197 MB | 54 MB |
| Requires iOS | 18.4 | **12.4** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 12+ | 4+ |
| Developer | [First Century Bank](https://appshunter.io/developer/608436012) | [Thread Bank](https://appshunter.io/developer/868997696) |

## What reviewers say

### First Century Bank

[App page](https://appshunter.io/ios/app/first-century-bank/id6444295306)

Manage your bank accounts securely and conveniently from your mobile device. Features include quick logins, transaction organization, payment capabilities, and mobile check deposits. Stay informed with customizable alerts and easily locate branches and ATMs.

**Highlights:** Secure login (passcode, fingerprint, facial recognition), Transaction organization with tags, notes, and photos, Customizable balance alerts, Quick payments to companies and individuals, Money transfers between accounts, Mobile check deposit, View monthly statements, Find branches and ATMs

**Features:** Apple Wallet

**In-app purchases:** none


### Thread | Personal Banking

[App page](https://appshunter.io/ios/app/thread-personal-banking/id6475272810)

This digital banking app simplifies financial management with modern technology. It offers efficient money movement, remote deposits, and card management, along with easy account opening. The platform aims to streamline your banking so you can focus on other priorities.

**Highlights:** Simple account opening, Modern user experience, Efficient money movement, Remote deposit, Card management, Quickbooks integration

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is First Century Bank free?

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

### Is Thread | Personal Banking free?

Thread | Personal Banking is free to download, with no in-app purchases.

### Which has better reviews, First Century Bank or Thread | Personal Banking?

First Century Bank is rated higher. First Century Bank averages 4.9 out of 5 from 941 ratings, while Thread | Personal Banking averages 3.0 from 2 ratings.

### Do First Century Bank or Thread | Personal Banking have ads?

Neither First Century Bank nor Thread | Personal Banking shows ads.

### Which is updated more often, First Century Bank or Thread | Personal Banking?

First Century Bank ships an update monthly, and Thread | Personal Banking every 2 months. Most recently, First Century Bank was updated on November 3, 2026 and Thread | Personal Banking on November 4, 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.*