Comparison

First Exchange Bank vs STC Mobile Banking

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

First Exchange Bank

Manage your bank accounts on the go. Deposit checks, view balances, transfer funds, and pay bills directly from your mobile device. Easily locate nearby branches and ATMs.

Highlights
  • Deposit checks
  • Check account balances
  • Search recent transactions
  • Transfer funds between accounts
  • Pay bills
  • Find branches and ATMs
Features
Read full description

First Exchange's Mobile Banking allows you to deposit checks, check balances, make transfers, pay bills, and find branch and ATM locations. Accounts -Check your latest account balance and search recent transactions. Transfers -Transfer cash easily between your First Exchange Bank accounts Bill Payments -Pay your current bills right from your phone. Deposits -Deposit checks from your iPhone or iPad. Locations -Find branches and ATMs closest to you. Available to all First Exchange Bank's First Link online banking customers. (Standard mobile web fees may apply. Contact your mobile provider for more details.)

About

STC Mobile Banking

Manage your finances on the go with this banking app. Quickly pay bills, deposit checks with a photo, and transfer funds to others. Enjoy secure access to balances, card controls, and branch locations.

Highlights
  • Bill payment
  • Mobile check deposit
  • Fund transfers
  • Balance checking
  • Debit card controls
  • Branch/ATM locator
  • Customizable alerts
Features
Read full description

The STC Mobile app from Somerset Trust is more versatile and convenient. Quickly pay bills and deposit checks just by taking a picture. Easily transfer money to friends or family. Check balances faster without having to log in. You can do all this and more, and do it all with multiple layers of security. The STC Mobile app - designed to let you do just about anything, anywhere, anytime. Now that’s convenient! Our mobile app is FREE and allows you to: • Transfer funds to friends and family • Make a check deposit on the go • Check your balances without logging in • Locate a branch or ATM • Turn your debit card on/off for extra security • Contact our People First Call Center • Set alerts • Share our app with friends and family To enroll in mobile banking, you must be a customer of Somerset Trust. Simply download the free mobile banking app and click ‘Register Now’ to get started. Disclosure: Some features are available for eligible customers and accounts only. There is no charge from Somerset Trust Co for STC Mobile. There may be message and data rates from your communications service provider. STC Mobile service may be interrupted by various reasons including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations.

Screenshots

First Exchange Bank4 screens
STC Mobile Banking4 screens

Verdict

The call

First Exchange Bank and STC Mobile Banking both sit at 4.8 stars, but that hides the real split: 88% of First Exchange Bank's written reviews are positive against 43% of STC Mobile Banking's. STC Mobile Banking's advantage is monetization model (free vs free with in-app purchases) and update cadence (monthly vs every 3 months). On price, rating, ratings volume and ads 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

First Exchange Bank holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 673 and 448 respectively. Written reviews point the same way: 88% of First Exchange Bank's written reviews are positive against 43% of STC Mobile Banking's.

UpkeepUpdate frequency

First Exchange Bank ships an update every 3 months, STC Mobile Banking monthly. The most recent releases landed on November 11, 2026 and November 2, 2026 respectively.

Scorecard3 real differences · 7 level
First Exchange Bank versus STC Mobile Banking: the parameters behind the verdict, then further details
ParameterFirst Exchange BankSTC Mobile Banking
PriceFreeFree
Rating4.8 (673 ratings) — better4.6 (448 ratings)
Positive reviews88.2% of reviews — better43.5% of reviews
Number of ratings673 — better448
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.016.0 — better
Further details — not scored
Size103 MB229 MB
Age rating4+4+
DeveloperFirst Exchange BankSomerset Trust Company

Customer experience

First Exchange Bank

All ratings613 ratings
Positive95.3%
Neutral2.0%
Negative2.8%
Written reviews17 reviews
Positive88.2%
Neutral0.0%
Negative11.8%

STC Mobile Banking

All ratings443 ratings
Positive90.7%
Neutral2.9%
Negative6.3%
Written reviews46 reviews
Positive43.5%
Neutral2.2%
Negative54.3%

User reviews

First Exchange Bank

From 673 App Store ratings

What we love

  • 👍 Like family, considerate
  • 👍 Great service, helpful people
  • 🚀 Easy mobile deposits
  • 👍 Convenient banking from anywhere
  • 👍 Useful and good app

STC Mobile Banking

From 448 App Store ratings

What we love

  • 👍 Easy navigation and user-friendly interface
  • 💰 Multi-account visibility across financial institutions
  • 📱 Convenient 24/7 mobile banking access
  • ✅ Improved modern design compared to old app
  • 💳 Debit card control features (on/off toggle)

Room to improve

  • 🐛 Frequent app crashes and freezing
  • ⏱️ Slow mobile deposit processing
  • ⏱️ Delayed account balance updates (24-48 hours)
  • 🔐 Login and authentication errors
  • 🐛 App requires frequent restarts

Bugs and requests

First Exchange Bank

Requested features

2 requests
  • Add notation for deposit purposes (business accounts)
  • Show payment due/paid status for notes

STC Mobile Banking

Reported bugs

12 issues
  • App crashes on opening
  • Cannot add STC friend transfers
  • Account number validation errors
  • Authentication errors preventing login
  • Password reset kicks user out after change
Show 7 more
  • Cannot sign in after update
  • Mobile deposit screen shows thick white line and frozen small square
  • Fingerprint login disabled when linked accounts present
  • Inconsistent vendor information display
  • Account balance not reflecting transactions for days
  • Requires phone reboot to login
  • Thick white line appears during mobile deposit photo capture

Requested features

10 requests
  • Dark mode option
  • Real-time transaction and pending status updates
  • Running balance total per transaction
  • Automatic check photo capture (front and back)
  • Full iPad screen optimization
Show 5 more
  • Fingerprint/TouchID login restoration
  • Transaction reconciliation checkboxes
  • Better vendor/merchant name visibility
  • Pending transactions display
  • Bill pay support for iPad users

In-app purchases

None

First Exchange Bank

No in-app purchases

None

STC Mobile Banking

No in-app purchases

Questions

Is First Exchange Bank free?
First Exchange Bank is free to download, with no in-app purchases.
Is STC Mobile Banking free?
STC Mobile Banking is free to download, with no in-app purchases.
Which has better reviews, First Exchange Bank or STC Mobile Banking?
First Exchange Bank is rated higher. First Exchange Bank averages 4.8 out of 5 from 673 ratings, while STC Mobile Banking averages 4.6 from 448 ratings.
Do First Exchange Bank or STC Mobile Banking have ads?
Neither First Exchange Bank nor STC Mobile Banking shows ads.
Which is updated more often, First Exchange Bank or STC Mobile Banking?
First Exchange Bank ships an update every 3 months, and STC Mobile Banking monthly. Most recently, First Exchange Bank was updated on November 11, 2026 and STC Mobile Banking on November 2, 2026.

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