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

NBT Bank vs City National Bank of Florida

NBT Bank 4.7★ · Free to download 40
Winner City National Bank of Florida
City National Bank of Florida 4.9★ · Free to download 75

City National Bank of Florida (CNB) is the better choice due to its more reliable and user-friendly app, despite some reported feature gaps, while NBT Bank struggles with frequent app issues and an outdated interface.

Full reviews: NBT Bank · City National Bank of Florida

City National Bank of Florida's app generally receives praise for being easy to use, reliable, and offering core banking functions, though some users desire more advanced features like mobile check deposit. NBT Bank's app, in contrast, is frequently criticized for being slow, unreliable, and having an outdated interface, leading many users to consider switching banks.

Head to head

Reliability and Performance edge: City National Bank of FloridaR1R3R16R19
NBT Bank NBT Bank users frequently report that the app is down, has issues, crashes, lags, and glitches, making it often unusable R1R16R34R42. Some users experience significant delays in opening the app or navigating between pages R3R19.
City National Bank of Florida City National Bank of Florida's app is generally described as reliable and working perfectly . However, some users have experienced issues with Zelle crashing and the app or website being down, particularly on Fridays .
Ease of Use and Interface edge: City National Bank of FloridaR4R6R15R29
NBT Bank Many NBT Bank users find the app's interface awful, outdated, and not intuitive R4R6R31R37. Specific complaints include difficulty moving around, complicated payment processes, and issues with setting up external accounts or automatic payments R6R29. Some users note recent improvements, making it 'nice to work with' R15.
City National Bank of Florida City National Bank of Florida's app is widely praised for being easy to use, clear, intuitive, and having a clean design . Users appreciate the straightforward navigation and Touch ID login .
Features and Functionality tieR12R24R33R35
NBT Bank NBT Bank's app is criticized for limited access and functionality, such as not being able to see full transaction history beyond 18 months, difficulty printing ledgers, or not supporting NBT credit cards R12R35. Users also report issues with mobile check deposits and limits on transfers R24R33.
City National Bank of Florida City National Bank of Florida's app handles basic functions like checking balances, viewing transaction history, transferring funds, and paying bills well R72. However, a recurring complaint is the lack of a reliable mobile check deposit feature, with some users reporting it only works 20% of the time or is completely missing R70R75R94. Users also desire a search bar for accounts and compatibility with financial management tools .
Customer Service and Support tieR7R10R20R22
NBT Bank NBT Bank receives high praise for its in-person staff and customer service, with many users highlighting specific branches and employees for being helpful and outstanding R20. However, some users express general dissatisfaction with the bank itself, beyond just the app R7R10R22.
City National Bank of Florida City National Bank of Florida users appreciate the great support offered, especially for those who are technically challenged R80. The bank is consistently praised for its excellent service and for treating customers as valued R71R74R97.
Pick NBT Bank if

You prioritize strong in-person customer service and are willing to overlook significant app performance and functionality issues R20.

Pick City National Bank of Florida if

You value a banking app that is generally reliable, easy to navigate, and handles core banking tasks efficiently, even if it might lack some advanced features like consistent mobile check deposit .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. NBT Bank has a significantly larger number of ratings, which might contribute to a wider range of negative feedback compared to City National Bank of Florida's fewer, but generally more positive, reviews.

Frequently asked

Does NBT Bank's app have issues with reliability?
Yes, NBT Bank's app is frequently reported by users as being down, having issues, crashing, lagging, and glitching, making it often unusable for personal and business operations R1R16R34R42.
Is mobile check deposit available on the City National Bank of Florida app?
While some users report successful mobile check deposits and find it convenient, many others state that the mobile deposit feature is terrible, only accepts checks about 20% of the time, or is completely missing from the app R70R72R75R94.
How do users describe the interface of the NBT Bank app?
Users frequently describe the NBT Bank app's interface as awful, outdated, not intuitive, and difficult to navigate, with some finding payment processes overly complicated R4R6R31R37.
Does City National Bank of Florida offer good customer support?
Yes, City National Bank of Florida receives positive feedback for its great support, with users highlighting excellent service and feeling like valued customers R71R74R80R97.

What reviewers actually said

Built only from these 109 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. [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. [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. [R6] NBT Bank 3/5 · US App: Difficult to move around and work digitally in app and online banking.
  7. [R15] NBT Bank 3/5 · US Improved: Mobile app is finally nice to work with. I am pleased with the ease!! Thanks
  8. [R29] NBT Bank 5/5 · US Difficult to setup automatic payments: Confusing and not intuitive. Please add messages with clear instructions
  9. [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.
  10. [R24] NBT Bank 3/5 · US Hard time: Gets a frustrating trying to deposit a check
  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. [R7] NBT Bank 1/5 · US horrible: not just the app, NBT bank sucks
  14. [R10] NBT Bank 1/5 · US If the bank was better I’d rate it higher: Maybe try harder to keep customers lol
  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. [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
  17. [R34] NBT Bank 1/5 · US Often Unusable: Constant crashes, lag, and glitches. Unfortunately the worst banking app on my phone
  18. [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.
  19. [R70] City National Bank of Florida 2/5 · US Mobile deposit is terrible: Your mobile deposit is soo bad. It only accepts the check like 20% of the time. Other bank site are so much better. I’ve tried to tell the bank but nobody cares.
  20. [R72] City National Bank of Florida 3/5 · US Functional but Lacking: This app is very good for checking your balances and paying bills. It is way behind most of the apps for other banks which have much more functionality. This app cannot be used to deposit checks or set up new online payments. The web site works very well on an iPad and using this app is optional.
  21. [R75] City National Bank of Florida 3/5 · US Functional, but lacking features.: The app is functional and easy to use, however, it lacks basic features like mobile check deposit. Also, I have several accounts and it does not allow me to see the account names (only #'s). Since I do not have my account numbers memorized, this gets very confusing for me. I really want to give this app a five star, but without these features I believe it only de
  22. [R94] City National Bank of Florida 5/5 · US Good App CNB but missing check deposit by phone: The App for CNB Bank is easy and convenient but its missing a very important part being able to deposit a check by taking picture (mobile check deposit). Overall great you can also pay bills.
  23. [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
  24. [R37] NBT Bank 1/5 · US About to switch banks: App is outdated, online banking is outdated, entire platform seems obsolete.
  25. [R71] City National Bank of Florida 5/5 · US Humberto González, a very happy customer: Like always, completely satisfied with CNB
  26. [R74] City National Bank of Florida 5/5 · US Service: Thank you for the service you have in place for your customers
  27. [R80] City National Bank of Florida 4/5 · US Great support: I am technically challenged, but CNB offers great support. I’ve got a handle on depositing checks and may attempt bill payer next. The app is easy to use and provides all the info I need.
  28. [R97] City National Bank of Florida 5/5 · US CNB FL Awesome App: City National Bank of Fl has been my bank of choice since I was a young boy. My mom open my first saving account i have been treated a valued customer. The Mobile Application for Iphone and Ipad is very well design and useful. I love to see the check deposit feature FirstData provided which should be coming soon. i cant wait for the feature. CNB customer since 1996.

Synthesized from 109 recent App Store reviews · updated July 2026 · View on the App Store