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

NBT Bank vs TD Bank (US)

NBT Bank 4.7★ · Free to download 55
Winner TD Bank (US)
TD Bank (US) 4.8★ · Free to download 70

TD Bank (US) generally offers a more reliable and feature-rich app experience, despite recent issues with older phone compatibility, while NBT Bank struggles with consistent app performance and outdated features.

Full reviews: NBT Bank · TD Bank (US)

TD Bank (US) has a higher lifetime rating and is praised for its user-friendly interface and mobile deposit feature, though recent updates have caused significant frustration for users with older iOS devices. NBT Bank, despite some positive feedback on ease of use, faces frequent complaints about app unreliability, slowness, and outdated features.

Head to head

App Reliability & Performance edge: TD Bank (US)R1R3R13R16
NBT Bank NBT Bank users frequently report that the app is unreliable, often down, slow to open and navigate, glitches, and crashes R1R3R16R19. Some users also mention issues with inaccurate balances, especially on weekends R13.
TD Bank (US) TD Bank (US) users generally found the app reliable and fast, with mobile deposit being a strong point . However, recent updates have led to widespread issues, with many users reporting the app not loading, freezing, or being completely unusable on older iOS devices .
Ease of Use & User Interface edge: TD Bank (US)R4R5R6R11
NBT Bank NBT Bank receives mixed reviews on its interface. Some users find it easy to use, clear, and efficient R5R11. However, a significant number of users describe the UX as awful, outdated, difficult to navigate, and not intuitive, especially for tasks like making payments or setting up external accounts R4R6R12.
TD Bank (US) TD Bank (US) is often praised for its user-friendly, simple, and fast interface . Mobile deposit is highlighted as particularly quick and easy . However, some users find the app not the most intuitive, with issues like tedious logout routines or missing credit card statement end dates .
Features & Functionality edge: TD Bank (US)R9R12R33R35
NBT Bank NBT Bank offers basic functionality like checking accounts, transferring money, Bill Pay, and mobile check deposit . However, users report limitations such as difficulty printing ledgers, issues with larger payment processing, inability to see full transaction history beyond 18 months, lack of detailed fund descriptions, and inability to manage NBT credit cards within the app R9R12R33R35.
TD Bank (US) TD Bank (US) provides features like mobile deposit, which users find efficient . Users also mention the ability to lock cards, though some suggest improvements for this feature . However, recent updates have caused some features to become inaccessible for users with older phones, including mobile deposit . Some users also note the absence of credit card statement end dates and issues with the in-app chat feature .
Customer Service & Banking Experience (Non-App) edge: NBT BankR3R8R14R20
NBT Bank NBT Bank receives strong praise for its in-person customer service and friendly staff at local branches R3R8R14R20. However, the bank's overdraft system and service charges are a source of significant frustration for some users R22R28R56.
TD Bank (US) TD Bank (US) also has users who appreciate the bank's helpful and professional staff . However, there are serious complaints about slow transaction processing, outrageous overdraft fees, and accounts being locked or closed without clear reasons, sometimes leaving customers stranded R70.
Pick NBT Bank if

You prioritize strong in-person customer service and local branch support, and you are willing to tolerate an app that can be slow, unreliable, and less feature-rich R3R14R20.

Pick TD Bank (US) if

You generally prefer a faster, more user-friendly banking app with good mobile deposit functionality, and you have a newer smartphone that supports the latest iOS updates .

Evidence note: The recent negative reviews for TD Bank (US) are heavily skewed by compatibility issues with older iOS devices, which impacts the app's perceived reliability and accessibility for a segment of its user base. NBT Bank's reviews show a consistent pattern of app performance issues and outdated features.

Frequently asked

Is the TD Bank (US) app compatible with older iPhones?
No, recent updates to the TD Bank (US) app have made it incompatible with older iPhones and iPads running iOS versions below 17.0, locking many users out of their accounts and features like mobile deposit R62R64R73R75.
Does NBT Bank's app have issues with speed?
Yes, NBT Bank's app is frequently criticized for being slow to open, slow to navigate between pages, and generally sluggish, with some users reporting it takes significant time just to open the app R3R19R25.
Are overdraft fees a concern with either bank?
Yes, both NBT Bank and TD Bank (US) have users complaining about their overdraft fee policies, with NBT Bank users specifically mentioning issues with their overdraft system and daily fees R22R28R56, and TD Bank (US) users calling their overdraft fees "outrageous" R70.

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. [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.
  3. [R13] NBT Bank 1/5 · US Can’t count: This bank app is always wrong. And they can’t count on weekends.
  4. [R16] NBT Bank 1/5 · US Awful: This app is absolute trash and rarely ever works.
  5. [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
  6. [R5] NBT Bank 5/5 · US Very easy interface: Easy to use, clear and consistent
  7. [R6] NBT Bank 3/5 · US App: Difficult to move around and work digitally in app and online banking.
  8. [R11] NBT Bank 5/5 · US Excellent app!!: Easy to use and efficient, full functionality
  9. [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.
  10. [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.
  11. [R33] NBT Bank 3/5 · US Transfer: What is the problem not being able to transfer ANY amount from my accounts? I do not like the limits put on me
  12. [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
  13. [R8] NBT Bank 5/5 · US Clinton Bank: 10 Star
  14. [R14] NBT Bank 5/5 · US great bank: ❤️ all the local staff.
  15. [R20] NBT Bank 5/5 · US Thank You: Fayetteville Branch IS one the Best in customer service!! It is OUTSTANDING!! Thank you Michelle and the Team! Love NBT
  16. [R62] 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. :(
  17. [R64] 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
  18. [R73] TD Bank (US) 1/5 · US iOS 16 customers LOCKED OUT of td bank accts! Shame!: Hello! Customers with OLDER phones NEED bank balance info TOO. I find it outrageous that td bank only focuses on customers with NEW devices. iPhone does NOT provide latest iOS updates to all its customers. Only people with $1,700 new iphones. That said, Td Bank should offer APP SUPPORT to CUSTOMERS WITH OLDER VERSION iOS. 16 etc. OUR account in
  19. [R75] TD Bank (US) 3/5 · US Can’t access my account: My iPad is running on 16 os now and I can’t access my account because it only works on 17 and above. What are customers supposed to do now. I was previously able to access my account. Please help, I’m quite sure a lot of people are having the same issues.
  20. [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.
  21. [R25] NBT Bank 1/5 · US Annoying: Took 17 minutes for the app to open
  22. [R22] 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
  23. [R28] NBT Bank 1/5 · US Discontinue Service Charge: Service Charge is extremely unhelpful.
  24. [R56] NBT Bank 1/5 · US Not impressed: Daily overdraft fee is garbage
  25. [R70] TD Bank (US) 1/5 · US Worst bank: Dont get td bank. Horrible bank. Late on processing transactions that take over 2-4 days until its posted. Overdraft fees are outrageous. Dont get td bank. Save yourself the time and money.

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