UBTC Mobile vs NICCU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UBTC Mobile
Manage your finances on the go with this mobile banking application. Check balances, transfer funds, pay bills, and deposit checks remotely. Secure sign-on options enhance your banking experience.
- Check account balances
- Search transactions
- Transfer funds between accounts
- Pay bills and view payment history
- Deposit checks via camera
- Secure Touch ID/Face ID sign-on
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Start banking wherever you are with UBTC Mobile app. Available to all UNITED BANK & TRUST COMPANY online banking customers. Available features include: Accounts: •Check your latest account balance and search recent transactions by date, amount, or check number. Transfers: •Easily transfer cash between your accounts. Bill Pay: •Make payments and view recent and scheduled payments. Deposits: •Submit check deposits using your device’s camera. Touch ID/Face ID: •Touch ID/Face ID allows you to use a secure and more efficient sign-on experience using your fingerprint or facial recognition.
NICCU
Manage your finances conveniently with this app. It offers secure sign-in options, quick balance checks, fund transfers, bill payments, and mobile check deposits. Special features cater to neurodiverse users, including options for epilepsy, dyslexia, and color blindness.
- Secure sign-in with Face ID/Touch ID
- Quick Balance view
- Fund transfers
- Bill payment
- Mobile check deposit
- Neurodiverse features
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Do more with our NICCU app. The NICCU app allows you to: - Sign in with Face ID or Touch ID - Use Quick Balance to view account balances without signing in - Transfer funds between accounts - View account balances and transactions - Make loan payments - Deposit checks - View check copies - Pay bills - Access Statements - Left/right-handed modes - Full Neurodiverse features including options for epilepsy, dyslexia, color blindness, and visual sensitivity. ...and more! For more information or to become a member of North Iowa Community Credit Union, visit us at niccu.com
Screenshots
Verdict
The clearest difference is rating: UBTC Mobile at 4.8 against NICCU's 3.6. UBTC Mobile also leads on ratings volume (282 vs 13). NICCU's advantage is review sentiment (67% vs 50%) and device support (4 vs 2). On price, update cadence, ads and in-app purchases 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.
UBTC Mobile holds the better App Store score, 4.8 against 3.6. That said, the two scores are not equally well evidenced: UBTC Mobile has 282 ratings behind it against 13, so its average is the more settled of the two. Written reviews complicate that: 50% of UBTC Mobile's written reviews are positive against 67% of NICCU's, so the app with the better star average is not the one people write more warmly about.
UBTC Mobile ships an update every 2 months, NICCU every 4 months. Both last shipped on November 6, 2026.
| Parameter | UBTC Mobile | NICCU |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (282 ratings) — better | 3.6 (13 ratings) |
| Positive reviews | 50.0% of reviews | 66.7% of reviews — better |
| Number of ratings | 282 — better | 13 |
| Update frequency | Every 2 months — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod, Apple Watch — better |
| Requires iOS | 15.5 — better | 15.6 |
| Further details — not scored | ||
| Size | 199 MB | 67 MB |
| Age rating | 4+ | 4+ |
| Developer | United Bank & Trust Company | North Iowa Community Credit Union |
Customer experience
UBTC Mobile
NICCU
In-app purchases
UBTC Mobile
No in-app purchases
NICCU
No in-app purchases
Questions
Is UBTC Mobile free?
Is NICCU free?
Which has better reviews, UBTC Mobile or NICCU?
Do UBTC Mobile or NICCU have ads?
Which is updated more often, UBTC Mobile or NICCU?
Other comparisons
