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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

NBT Bank vs Northwest Bank Mobile Banking

NBT Bank 4.7★ · Free to download 60
Winner Northwest Bank Mobile Banking
Northwest Bank Mobile Banking 4.8★ · Free to download 75

Northwest Bank Mobile Banking generally offers a more reliable and intuitive app experience compared to NBT Bank, despite some login and speed issues.

Full reviews: NBT Bank · Northwest Bank Mobile Banking

Northwest Bank Mobile Banking boasts a higher lifetime rating and is praised for its ease of use and comprehensive features, although some users report frequent login problems and occasional slowness. NBT Bank, while having some positive feedback on its interface and staff, is frequently criticized for app instability, slow performance, and an outdated user experience.

Head to head

Features and Functionality edge: Northwest Bank Mobile BankingR12R18R29R31
NBT Bank NBT Bank users find the app generally functional for basic tasks like checking balances and transferring money, with some appreciating features like credit score checks . However, many report difficulties with specific features, such as setting up automatic payments, printing ledgers, or managing credit cards within the app R12R18R29R31. Some also note limitations on transfer amounts and difficulty tracking detailed transaction information .
Northwest Bank Mobile Banking Northwest Bank Mobile Banking is lauded for its comprehensive features, including easy internal transfers, mobile check deposit, and credit score tracking . Users appreciate its ability to manage both personal and business accounts through the same portal . However, some users desire the ability to make external transfers within the app and report issues with Zelle functionality .
Ease of Use and Interface edge: Northwest Bank Mobile BankingR4R5R6R11
NBT Bank NBT Bank receives mixed reviews on its interface. Some users find it easy to use, clear, and consistent R5R11. However, a significant number describe the UX as awful, outdated, difficult to navigate, and not intuitive R4R6. Specific complaints include complicated payment processes and difficulty finding information like monthly payment amounts R4R50R52.
Northwest Bank Mobile Banking Northwest Bank Mobile Banking is generally praised for being intuitive and easy to use, with many users expressing pleasant surprise at its quality . Users find it effective for managing money and tracking accounts . However, some users report the new combined app version is slow and glitchy .
Reliability and Performance tieR1R3R13R16
NBT Bank NBT Bank struggles significantly with reliability and performance. Users frequently report the app being down, having issues, crashing, lagging, and glitching R1R16R19R34. It is often described as slow to open and navigate between pages R3R19R25. Inaccurate account balances, especially on weekends, are also a common complaint R13.
Northwest Bank Mobile Banking Northwest Bank Mobile Banking users experience frequent issues with logging in, including passwords not working, facial recognition being disabled, and constant credential errors . Some report the app being slow, not loading, or requiring frequent re-downloads due to permissions issues .
Price and Value edge: Northwest Bank Mobile BankingR22R28R54R56
NBT Bank NBT Bank users express strong dissatisfaction with overdraft fees and service charges, which are seen as unhelpful and unfair, sometimes occurring even after same-day transfers R22R28R56. Some users also faced late fees due to app payment issues R54.
Northwest Bank Mobile Banking Northwest Bank Mobile Banking is appreciated for its economical benefits and speed of service . There are no specific complaints about fees or charges mentioned in the provided reviews, indicating a generally positive perception of value.
Customer Support and Banking Experience edge: NBT BankR1R3R7R10
NBT Bank NBT Bank receives high praise for its in-person staff and customer service at physical branches, with many users highlighting friendly, helpful, and professional employees R3. However, the app's issues sometimes necessitate branch visits to resolve problems R54. Some users are considering switching banks due to app frustrations and bank policies R1R7R10R22.
Northwest Bank Mobile Banking Northwest Bank Mobile Banking customers also commend the friendly and helpful staff, as well as the Live Banker drive-up service . However, some users report calling support for app issues and being told the problems are being looked into for months . Issues with scheduled transfers not being processed on time have also led to frustration .
Pick NBT Bank if

You prioritize excellent in-person customer service and branch interactions, and are willing to tolerate an app that can be slow and occasionally unreliable R3.

Pick Northwest Bank Mobile Banking if

You value a generally intuitive and feature-rich mobile banking app for managing both personal and business accounts, and are comfortable dealing with occasional login glitches .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. The reviews for both apps show a mix of positive and negative experiences, with recent negative reviews for NBT Bank heavily skewing towards app performance and reliability issues, despite a higher lifetime rating for Northwest Bank.

Frequently asked

Which app is more reliable for daily banking tasks?
Northwest Bank Mobile Banking is generally more reliable for daily banking tasks, with users praising its consistent functionality for transfers and check deposits, though some encounter frequent login issues . NBT Bank users frequently report the app being down, slow, or glitchy, making it unreliable for operations R1R16R19R34.
Do either of these apps have issues with login or performance?
Yes, both apps have reported issues with login and performance. NBT Bank users frequently experience the app being slow to open, navigate, crashing, or not working at all R1R3R19R25. Northwest Bank Mobile Banking users often report problems with passwords not working, facial recognition being disabled, and general login errors .
Which app is better for managing loans or payments?
Northwest Bank Mobile Banking appears to be better for managing payments, with users finding it effective for tracking money and making transfers . NBT Bank users frequently report difficulties with loan payments, including an awful UX, complicated processes, and inability to see payment details or make principal-only payments R4R50R52R54.

What reviewers actually said

Built only from these 86 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. [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.
  2. [R18] NBT Bank 3/5 · US App: Your app could use some help, it won’t allow me to use certain features.
  3. [R29] NBT Bank 5/5 · US Difficult to setup automatic payments: Confusing and not intuitive. Please add messages with clear instructions
  4. [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
  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. [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.
  10. [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.
  11. [R13] NBT Bank 1/5 · US Can’t count: This bank app is always wrong. And they can’t count on weekends.
  12. [R16] NBT Bank 1/5 · US Awful: This app is absolute trash and rarely ever works.
  13. [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
  14. [R28] NBT Bank 1/5 · US Discontinue Service Charge: Service Charge is extremely unhelpful.
  15. [R54] NBT Bank 1/5 · US The app sucks: The app never works to pay a car payment and so we had late fees. We didn’t even know about had to drive an hour and a half to go to an NBT branch just to get this straightened out. DIDN’T EVEN KNOW WE HAD LATE FEES BECAUSE WE CAN’T LOG INTO THE APP! Sucks!
  16. [R56] NBT Bank 1/5 · US Not impressed: Daily overdraft fee is garbage
  17. [R7] NBT Bank 1/5 · US horrible: not just the app, NBT bank sucks
  18. [R10] NBT Bank 1/5 · US If the bank was better I’d rate it higher: Maybe try harder to keep customers lol
  19. [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.
  20. [R34] NBT Bank 1/5 · US Often Unusable: Constant crashes, lag, and glitches. Unfortunately the worst banking app on my phone
  21. [R25] NBT Bank 1/5 · US Annoying: Took 17 minutes for the app to open
  22. [R50] 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
  23. [R52] NBT Bank 1/5 · US Not intuitive: This app is definitely not intuitive or helpful. There is no place that tells me my monthly payment. I see no place where I can choose to make an extra payment and have it be attached to the principal only. The capital one auto loan app was much better and you received all the information you needed.

Synthesized from 86 recent App Store reviews · updated July 2026 · View on the App Store