# First Exchange Bank vs STC Mobile Banking

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.

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

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.

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.

## The numbers

| Metric | First Exchange Bank | STC Mobile Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (673 ratings)](https://appshunter.io/ios/app/first-exchange-bank/id891295087/reviews)** | [4.6 (448 ratings)](https://appshunter.io/ios/app/stc-mobile-banking/id1069220545/reviews) |
| Number of ratings | **673** | 448 |
| Positive reviews | **88.2% of reviews** | 43.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 103 MB | 229 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [First Exchange Bank](https://appshunter.io/developer/891295090) | [Somerset Trust Company](https://appshunter.io/developer/537765815) |

## What reviewers say

### First Exchange Bank

[App page](https://appshunter.io/ios/app/first-exchange-bank/id891295087)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**Requested features**

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


### STC Mobile Banking

[App page](https://appshunter.io/ios/app/stc-mobile-banking/id1069220545)

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

**In-app purchases:** none

**What reviewers like**

- 👍 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)

**What reviewers complain about**

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

**Reported bugs**

- App crashes on opening
- Cannot add STC friend transfers
- Account number validation errors
- Authentication errors preventing login
- Password reset kicks user out after change

**Requested features**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*