Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

NBT Bank vs FNBT & FCB Mobile

NBT Bank 4.7★ · Free to download 45
Winner FNBT & FCB Mobile
FNBT & FCB Mobile 4.8★ · Free to download 55

FNBT & FCB Mobile has a slight edge over NBT Bank due to better overall app reliability and fewer reported issues with core banking functions, despite some limitations with transfers and Zelle.

Full reviews: NBT Bank · FNBT & FCB Mobile

NBT Bank struggles with frequent app downtime, slow performance, and an outdated interface, leading to frustration with payments and account management. FNBT & FCB Mobile, while not perfect, generally offers a more reliable app experience, though users report issues with Zelle, mobile deposits, and transfer limitations.

Head to head

App Reliability & Performance edge: FNBT & FCB MobileR1R4R16R19
NBT Bank NBT Bank users frequently report the app is down or has issues, is slow to open and navigate, glitches, crashes, and rarely works R1R16R19. Some users find it generally awful and unusable R4R16.
FNBT & FCB Mobile FNBT & FCB Mobile users also experience glitches, crashes, and slow performance R85. The app is sometimes under maintenance .
Ease of Use & Interface edge: FNBT & FCB MobileR4R5R6R11
NBT Bank NBT Bank's app is described as having an awful and outdated UX, being difficult to move around in, and not intuitive R4R6R31. However, some users find it easy to use, clear, consistent, and efficient R5R11.
FNBT & FCB Mobile FNBT & FCB Mobile users describe the online banking as intuitive and easy to use . Some find it generally good and reliable .
Features & Functionality (Transfers, Payments, Deposits) tieR9R24R30R31
NBT Bank NBT Bank users report difficulty making payments, especially larger amounts, and issues with payments not fully fulfilling monthly balances R9R31. There are also complaints about limits on transfers , difficulty setting up external accounts R30, and issues with mobile check deposits R24. The app also doesn't support NBT credit cards R60.
FNBT & FCB Mobile FNBT & FCB Mobile users frequently report issues with Zelle, including the feature closing out, giving errors, not hitting right away, and charging $1 per transaction R85. Mobile deposit is also reported as missing or failing . Users dislike transfer limitations, such as not being able to transfer after 10 PM R69R72R78R101 or the transfer option being missing .
Account Information & Management tieR12R13R35R39
NBT Bank NBT Bank users struggle with getting accurate account balances, especially on weekends R13R42. Some find it hard to format and print ledgers R12, and transaction history is limited to 18 months R35. Users also complain about not being able to see what they owe or make principal-only payments on loans . The available funds display lacks detail R39.
FNBT & FCB Mobile FNBT & FCB Mobile users report issues with incorrect available balances, leading to overdrafts . Some users have experienced money missing or moved from accounts without their action R78. There are also reports of accounts not showing balances or interactions .
Customer Service & Bank Experience tieR2R3R7R8
NBT Bank NBT Bank receives high praise for its local staff and customer service, with many users highlighting positive in-person experiences R2R3R8. However, some express dissatisfaction with the bank overall, citing issues like overdraft fees and service charges R7.
FNBT & FCB Mobile FNBT & FCB Mobile users also commend the friendly and helpful in-person staff . The fraud department is noted for being proactive . However, some users report poor customer service, with support ending conversations prematurely , and issues with unexpected monthly maintenance fees .
Pick NBT Bank if

Pick NBT Bank if you prioritize excellent in-person customer service and have a local branch you can visit, as many users praise the staff and their helpfulness .

Pick FNBT & FCB Mobile if

Pick FNBT & FCB Mobile if you need a banking app that is generally more reliable and intuitive for basic functions, despite some reported issues with Zelle and transfer limitations .

Evidence note: Both apps have a significant number of negative reviews related to app functionality and core banking features, despite high lifetime ratings. NBT Bank's reviews are particularly skewed towards recent negative experiences with app reliability and outdated features. FNBT & FCB Mobile also has many recent negative reviews, especially concerning Zelle and transfer limitations.

Frequently asked

Are there any fees for using Zelle with FNBT & FCB Mobile?
Yes, FNBT & FCB Mobile charges $1 for Zelle transactions, which some users find inconvenient as other banks do not charge for this service R85R87R101.
Can I transfer money at any time with FNBT & FCB Mobile?
No, FNBT & FCB Mobile has a cutoff time for transfers, with users reporting they cannot transfer money after 10 PM, and sometimes even earlier R69R72R78R101.
Does NBT Bank's app support NBT credit cards?
No, the NBT Bank app does not support NBT credit cards, requiring users to use a third-party app to manage and pay them R60.
Is NBT Bank's app reliable for checking account balances?
NBT Bank's app is often reported as unreliable for checking account balances, with users stating it is always wrong and cannot provide accurate balances on weekends R13R42.

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. [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
  3. [R16] NBT Bank 1/5 · US Awful: This app is absolute trash and rarely ever works.
  4. [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.
  5. [R5] NBT Bank 5/5 · US Very easy interface: Easy to use, clear and consistent
  6. [R6] NBT Bank 3/5 · US App: Difficult to move around and work digitally in app and online banking.
  7. [R11] NBT Bank 5/5 · US Excellent app!!: Easy to use and efficient, full functionality
  8. [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.
  9. [R24] NBT Bank 3/5 · US Hard time: Gets a frustrating trying to deposit a check
  10. [R30] NBT Bank 3/5 · US Setting up external account is tough: I’m not sure if it was just my account or if it is a mobile app issue but getting this system to verify an external account took two weeks for it to actually show up.
  11. [R31] 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. [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.
  13. [R13] NBT Bank 1/5 · US Can’t count: This bank app is always wrong. And they can’t count on weekends.
  14. [R35] 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
  15. [R39] NBT Bank 3/5 · US Available funds -vs- actual funds: Don’t like that there is no description on amount and who funds are being held by. Makes it hard to take orders that funds are split to various companies when I only have a grand total to go by. Don’t understand why this bank app doesn’t give that info when other banking apps do. May not be able to stay with this bank if tracking orders gets any harder.
  16. [R2] NBT Bank 5/5 · US Not Evans any more: And I thought that Evans Bank couldn’t be improved. Oh boy, was I wrong. NBT is even better!
  17. [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.
  18. [R7] NBT Bank 1/5 · US horrible: not just the app, NBT bank sucks
  19. [R8] NBT Bank 5/5 · US Clinton Bank: 10 Star
  20. [R85] FNBT & FCB Mobile 1/5 · US Glitches constantly: The app is glitching constantly. Any time I need to schedule a recurring transfer, it doesn’t show the options for which days to schedule out in the future so I have to go to the desktop version. It’s constantly going down for maintenance at the worst times. This bank doesn’t allow outgoing external transfers, charges $1 for Zelle transactions, and only allows $200 Zelle trans
  21. [R87] FNBT & FCB Mobile 1/5 · US Zelle: You shouldn’t have to pay to Zelle someone else I minus well have a Cash App card. No other bank charges
  22. [R101] FNBT & FCB Mobile 2/5 · US .: There are things about this card that get on my nerves. For instance, it's a mastercard, therefore, I couldn't use it at Costco. The customer service hours are trash. They have a cut off time of when you can move YOUR money around. Lastly, they will keep blocking charges that you're actually trying to make. There was a time where I needed to pay my mechanic, and almost couldn't get my car becau
  23. [R69] FNBT & FCB Mobile 3/5 · US Horario de transferencia: Es una buena app, me funciona bien todo, lo único que no me gusta es que a las 10 pm ya no puedo hacer transferencias y eso siempre me choca porque yo siempre tengo mi dinero en savings y no en checking, así que cuando quiero pasar dinero ya no me deja. Incluso ha pasado cuando apenas son las 9 (ni siquiera las 10pm) y no me deja aunque falte una hora para la hora que ya
  24. [R72] FNBT & FCB Mobile 3/5 · US Review: I would leave a 5 star but the only thing I have issues with is no transferring after 10pm. We had to get a second bank just to be able to transfer.
  25. [R78] FNBT & FCB Mobile 3/5 · US money is supposed to be secure and is not: Sometimes I will log into my account and money will be missing or moved from accounts even though I was not the one who did those actions, the fact that I can’t control or transfer money between accounts after 10 is ridiculous, there have been to many instances where my money has not been available or money has randomly gone missing or will get taken, it’
  26. [R60] NBT Bank 1/5 · US Credit card: How does the NBT app not support my NBT credit card..so of course I have to use a 3rd party app to pay the thing.
  27. [R42] 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.

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