Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
User consensusAlternativesIs it worth it?
Better options than

NBT Bank alternatives

NBT Bank users often seek alternatives due to frequent app outages, slow performance, and issues with payments and overdraft fees. Alternatives offer more reliable app experiences, better payment processing, and improved customer support.

Why users look for alternatives to NBT Bank

The alternatives

TD Bank (US)
4.8★ · 252,083 ratings · Free

TD Bank's app is generally considered user-friendly, fast, and convenient, with frequent updates improving its functionality R58. It offers a robust banking experience, though some users with older phones may face compatibility issues R52R54.

Better for: TD Bank (US) is better for users who prioritize a fast, user-friendly, and frequently updated app experience, and who have newer mobile devices compatible with the latest iOS versions R58. It suits those who value strong security measures, even if it sometimes means extra steps R55.

Head-to-head: NBT Bank vs TD Bank (US)
FNBT & FCB Mobile
4.8★ · 141,261 ratings · Free

FNBT & FCB Mobile is a trusted banking app that generally functions well for basic banking needs . However, users report issues with Zelle crashing and an inability to make transfers after 10 PM, sometimes as early as 9 PM R65R68.

Better for: FNBT & FCB Mobile is better for users who primarily need a reliable app for basic transactions and appreciate friendly in-person service R66R69. It may not be suitable for those who frequently use Zelle or need to make transfers late at night R65.

Head-to-head: NBT Bank vs FNBT & FCB Mobile
Woodforest Mobile Banking
4.8★ · 61,824 ratings · Free

Woodforest Mobile Banking is praised for its outstanding customer service and convenient locations within Walmart stores, which offer extended hours R80R84. However, the app itself is described as antiquated, with frequent issues preventing mobile check deposits and a lack of support for instant payment services like Zelle and Venmo R79R81.

Better for: Woodforest Mobile Banking is better for users who value excellent in-person customer service and the convenience of banking inside Walmart stores, especially for cashing large checks R80R84. It is less suitable for those who rely heavily on mobile check deposits or expect modern features like Zelle and Venmo R79R81.

Head-to-head: NBT Bank vs Woodforest Mobile Banking
City National Bank of Florida
4.9★ · 3,311 ratings · Free

City National Bank of Florida's app is effective for checking balances and paying bills, with some users finding it makes bill payments easier R97. However, its technology is often described as poor and not user-friendly, with frequent crashes, particularly with Zelle, and issues with mobile check deposits R93R95R96.

Better for: City National Bank of Florida is better for users who primarily need an app for basic functions like checking balances and paying bills, and who may also appreciate exceptional in-person service R97. It is not ideal for users who expect advanced mobile banking features, reliable Zelle functionality, or seamless mobile check deposits R93R95.

Head-to-head: NBT Bank vs City National Bank of Florida
Northwest Bank Mobile Banking
4.8★ · 2,934 ratings · Free

Northwest Bank Mobile Banking offers a good tool for internal transfers and is considered one of the best banking apps by some users for managing both personal and small business accounts R108. However, it frequently has issues with login, facial recognition, and constant permission problems, often requiring password resets or app reinstallation R107R109R110.

Better for: Northwest Bank Mobile Banking is better for users who need a solid app for internal transfers and appreciate strong customer service at branches and through Live Banker drive-up services R108. It may suit small business owners who manage personal and business accounts through the same portal . However, users must be prepared for frequent login and technical issues R107R109R110.

Head-to-head: NBT Bank vs Northwest Bank Mobile Banking
Stick with NBT Bank if

You should stick with NBT Bank if you value excellent in-person customer service at specific branches , find the app's interface easy to use for basic tasks , and appreciate features like account monitoring for fraud .

Evidence note: No alternative had too few reviews to judge.

Frequently asked

Why do NBT Bank users experience app issues?
NBT Bank users frequently experience app issues such as it being down or having problems, slow loading times, glitches, and being kicked out R1R19R29. Some also report difficulties with login, an outdated user interface, and inaccurate account balances on weekends R4R13R35.
Does NBT Bank have issues with payments and overdrafts?
Yes, NBT Bank users report issues with payments being complicated, especially for auto loans, and slower processing for larger payments R4R9R26R27. The overdraft system is a major frustration, with fees sometimes applied even after same-day transfers R21R49.
What are the common complaints about NBT Bank's app functionality?
Common complaints about NBT Bank's app functionality include difficulty navigating, inability to use certain features, problems with setting up automatic payments, and limited access to transaction history R6R12R18R26. Users also find it hard to track loan payments or make principal-only payments through the app R43.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R1] NBT Bank 1/5 · US It sucks: This app is down or having issues way too often. I have personal and business accounts and my operations are adversely effected when I can’t move money If I could give negative stars I would. I’m also looking for another bank because of it.
  2. [R16] NBT Bank 1/5 · US Awful: This app is absolute trash and rarely ever works.
  3. [R29] NBT Bank 1/5 · US Often Unusable: Constant crashes, lag, and glitches. Unfortunately the worst banking app on my phone
  4. [R3] NBT Bank 3/5 · US Banking withthe NBT app: NBT is great in personand banking. The app is adequate but it could be improved even with something as simple as the speed it takes to move between pages. Though the app is slower than other banking apps, it does get the job done. But no one beats the actual staff at the physical bank.
  5. [R19] NBT Bank 1/5 · US So slow: This app is so slow to open and then once you’re in, it’s so slow to do anything. It will glitch and kick me out.
  6. [R23] NBT Bank 1/5 · US Annoying: Took 17 minutes for the app to open
  7. [R35] NBT Bank 1/5 · US Terrible: Never loads on multiple attempts. Constantly just spinning circles. And can’t get an accurate account balance on the weekends.
  8. [R4] NBT Bank 1/5 · US Awful: Only have this to pay my auto loan, the UX is awful and outdated. Making payments is far more complicated than it should be
  9. [R22] NBT Bank 5/5 · US Eh: I have this app because of my car loan and honestly I just don’t love the interface and that it’s setup. I also have an auto loan with GM Financial and their app is way easier navigate and understand where everything is.
  10. [R26] NBT Bank 5/5 · US Difficult to setup automatic payments: Confusing and not intuitive. Please add messages with clear instructions
  11. [R27] NBT Bank 2/5 · US App review: Old fashioned technology, can’t pay my car loan using my ATM card, instead have to set up transfer with my bank, confusing to use
  12. [R21] NBT Bank 1/5 · US Just don’t bother.: ’ve been a longtime NBT customer, but I think it may finally be time to move on. My biggest frustration is the overdraft system. There have been multiple times where my account went negative temporarily, but I transferred money into the account the same day, sometimes even before 8PM, and still ended up with overdraft fees. Other banks I use are much more understanding with sm
  13. [R49] NBT Bank 1/5 · US Not impressed: Daily overdraft fee is garbage
  14. [R12] NBT Bank 3/5 · US Creating printed ledgers: I find it difficult format and print ledgers from the previous year transactions. And once I do the description column is duplicated. I just find it cumbersome.
  15. [R30] NBT Bank 5/5 · US Transactions history: Make sure you print all your statements! I signed up for online statements to save on the paper and Im pretty sure at the time I could look up my entire transaction history on the NBT site. Now I can only look up 18 months of history and so I have no access to anything prior to November 2024. I’m in a dispute with someone over payments that were made a few years ago. I seem t
  16. [R43] NBT Bank 1/5 · US Apps and bank sucks: I can’t see what I owe when I owe it. Horrible bank to have a loan with. I have no clue when I am paying it I opted into paperless so I can keep track but now I’m more lost then when I had paper. I have to know dig through mail just to figure out what I owe if I’m late I hate this bank. I can’t opt into text I can’t get emails this bank sucks I would never have a bank account
  17. [R13] NBT Bank 1/5 · US Can’t count: This bank app is always wrong. And they can’t count on weekends.
  18. [R52] TD Bank (US) 5/5 · US It doesn’t work :(: I have an iPhone X iOS 16 and now the new app version it’s not compatible so cannot use. There should be an option at least to stay with the old app. :(
  19. [R54] TD Bank (US) 1/5 · US App: All the TD app will not work with many iPhones. I don’t care how many conveniences would be available. I’m not buying a new phone just so your app works especially when you can do the same banking online. There is no added security. It doesn’t benefit me at all and I would like to use the app so I don’t need a security code every single time I sign in. That’s the only advantage I’m looking fo
  20. [R55] TD Bank (US) 5/5 · US My bank: I love this bank, sometimes it get a little crazy with security, but I know it’s for my privacy and protection.
  21. [R58] TD Bank (US) 5/5 · US Exceptional banking app: TD Bank's app has always been good, and every time there's an update, it gets even better. It's extremely user-friendly, super fast to use, and the most convenient app on my phone. The vast majority of negative, one-star comments relate to the app not being supported by old phones. Take that up with Apple, guys, it has nothing to do with TD Bank. You can't expect a 7 year
  22. [R65] FNBT & FCB Mobile 2/5 · US Customer support/ Zelle complicated: The app used to work great, now when I attempt to open the Zelle feature the app closes out immediately. Also when I try to talk to support they will end my conversation in the middle of me typing. This is ridiculous.
  23. [R66] FNBT & FCB Mobile 5/5 · US 👍: Muy buen banco y muy amables los trabajadores
  24. [R68] FNBT & FCB Mobile 1/5 · US Inconvenient: Can’t Zelle most people when I need to. It gives an error. Couldn’t upload check electronically had to use different bank
  25. [R69] FNBT & FCB Mobile 5/5 · US Amazing Bank: Love this Bank went to one in San Marcos,Tx. They very helpful & friendly
  26. [R79] Woodforest Mobile Banking 2/5 · US Unable to deposit through app: When I tap to take a photo of the front of check the app force closes.
  27. [R80] Woodforest Mobile Banking 5/5 · US Well done: Moosa is extraordinary. He goes out of his way to help new customers like me. I look forward to seeing him grow in your organization. He is a model employee.
  28. [R81] Woodforest Mobile Banking 2/5 · US Antiqued mobile banking: Moved to Pa from Fla. Intended to move all my accounts to Woodforest but the service is poor and the online banking is worse. Deposit checks that I could walk to the financial institution faster than it takes to clear. Called home office. Nothing done except that Julie Hunt would call within 48 hours. Ten days later. Nothing. I was humiliated at the teller window when aske
  29. [R84] Woodforest Mobile Banking 5/5 · US Outstanding customer service!: Always professional, friendly and expert service.
  30. [R93] City National Bank of Florida 2/5 · US Poor technology: The technology and online/app are soooo poor and not user friendly it’s ridiculous. Maybe this bank is good for people with a lot of money or big businesses. But not for the average or even slightly above average person. I moved to City from Wells Fargo hoping for a more personal experience which was a little bit but the shortcomings in every other way are definitely not worth it.
  31. [R95] City National Bank of Florida 3/5 · US Zelle crashing: I will update review when they fix this problem, but every time I try to open the Zelle tab the app crashes. It’s happening on my IOS, because the Android version is working fine…
  32. [R96] City National Bank of Florida 1/5 · US Friday Tradition: Every Friday both the mobile app and website are always down. Most deals involving withdrawals and transfers that would normally take place are on hold because of this recurring issue. Perhaps attempting to update any system upgrades overnight would be better.
  33. [R97] City National Bank of Florida 5/5 · US Review: Have made paying bills so much easier
  34. [R107] Northwest Bank Mobile Banking 1/5 · US Error messages: Frequently my password doesn’t work, and my facial recognition was disabled for no apparent reason
  35. [R108] Northwest Bank Mobile Banking 5/5 · US INTERNAL TRANSFER: This is a very good tool to be able to transfer online
  36. [R109] Northwest Bank Mobile Banking 3/5 · US NW Bank App: Good app for the most part but always get errors when starting app up. Either have to put password in again when it should use face is or It says error cant process. Yes phone has been restarted. App has been redownloaded. Fix the app
  37. [R110] Northwest Bank Mobile Banking 1/5 · US Constant Permissions Issues: Seems like ever week or two I have to redownload the app. It’s constantly giving permissions issues and I’ve called and all I get told is they’re looking into it. It’s now been 3-4 months. My daughter has the same issues. Frustrating.
  38. [R9] NBT Bank 3/5 · US Payments: When making a payment the smaller amounts are processed very quickly but for some reason larger payments take longer, and no matter how much money is given it never meets the fulfilled monthly payments, there is always a balance on the monthly payment. I dislike NBT Bank tremendously.
  39. [R6] NBT Bank 3/5 · US App: Difficult to move around and work digitally in app and online banking.
  40. [R18] NBT Bank 3/5 · US App: Your app could use some help, it won’t allow me to use certain features.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store