# SCFCU Mobile vs Granite Bank

The clearest difference is rating: SCFCU Mobile at 4.8 against Granite Bank's 3.7. SCFCU Mobile also leads on ratings volume (3.3K vs 6) and update cadence (monthly vs every 4 months). Granite Bank's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (14.1 vs 16.0). On price, ads, 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.

SCFCU Mobile holds the better App Store score, 4.8 against 3.7. That said, the two scores are not equally well evidenced: SCFCU Mobile has 3.3K ratings behind it against 6, so its average is the more settled of the two.

SCFCU Mobile ships an update monthly, Granite Bank every 4 months. Both last shipped on November 1, 2026.

## The numbers

| Metric | SCFCU Mobile | Granite Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (3.3K ratings)](https://appshunter.io/ios/app/scfcu-mobile/id771126325/reviews)** | [3.7 (6 ratings)](https://appshunter.io/ios/app/granite-bank/id922523493/reviews) |
| Number of ratings | **3.3K** | 6 |
| Positive reviews | 92.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 4 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 128 MB | 144 MB |
| Requires iOS | 16.0 | **14.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [St. Cloud Financial Credit Union](https://appshunter.io/developer/771126328) | [Granite Community Bank](https://appshunter.io/developer/922523492) |

## What reviewers say

### SCFCU Mobile

[App page](https://appshunter.io/ios/app/scfcu-mobile/id771126325)

Manage your finances conveniently from your mobile device. Access account information, transfer funds, deposit checks, and locate branches or ATMs. This app offers secure login and identity verification for peace of mind.

**Highlights:** Check account balances, View transaction history, Transfer money between accounts, Deposit checks, Locate ATMs and branches, Secure login with biometrics

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

**In-app purchases:** none

**What reviewers like**

- 👍 Ease of use
- 👍 Reliable and fast
- 👍 Helpful staff
- 🚀 Convenient mobile features
- 🔒 Secure banking

**What reviewers complain about**

- 🐛 Login issues
- 🐛 Slow app performance

**Reported bugs**

- Mobile check deposit not working consistently
- App crashes and shows black screen

**Requested features**

- Bring back 6-digit code login option
- Add check image viewing in app


### Granite Bank

[App page](https://appshunter.io/ios/app/granite-bank/id922523493)

Manage your finances on the go with this banking app. Deposit checks, view balances, transfer funds between accounts, and find ATMs. Experience secure, fast, and easy-to-navigate banking technology.

**Highlights:** Mobile check deposit, View account balances, Transfer funds, ATM locator, Secure and fast transactions

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is SCFCU Mobile free?

SCFCU Mobile is free to download, with no in-app purchases.

### Is Granite Bank free?

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

### Which has better reviews, SCFCU Mobile or Granite Bank?

SCFCU Mobile is rated higher. SCFCU Mobile averages 4.8 out of 5 from 3.3K ratings, while Granite Bank averages 3.7 from 6 ratings.

### Do SCFCU Mobile or Granite Bank have ads?

Neither SCFCU Mobile nor Granite Bank shows ads.

### Which is updated more often, SCFCU Mobile or Granite Bank?

SCFCU Mobile ships an update monthly, and Granite Bank every 4 months. Most recently, SCFCU Mobile was updated on November 1, 2026 and Granite Bank on November 1, 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.*