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

STCU Mobile Banking vs Patelco Mobile Banking

STCU Mobile Banking 4.9★ · Free to download 85
Winner STCU Mobile Banking
Patelco Mobile Banking 4.8★ · Free to download 80

Choose STCU Mobile Banking for better overall user satisfaction and features.

STCU Mobile Banking edges out Patelco with a higher lifetime rating and more positive user experiences, particularly regarding customer service and app functionality. While both apps have their share of complaints, STCU users generally report better reliability and support.

Head to head

features edge: STCU Mobile BankingR1R9R61R63
STCU Mobile Banking Users appreciate STCU's ease of use and the ability to manage multiple accounts effectively, although some have noted limitations with mobile deposits and transfers R1R9.
Patelco Mobile Banking Patelco users have mixed feelings; while some enjoy the app's aesthetics and functionality, many report issues with mobile deposits and app crashes R61R63R67.
ease of use edge: STCU Mobile BankingR17R30R63R92
STCU Mobile Banking STCU users find the app generally easy to navigate, despite some complaints about login issues and mobile deposit failures R17R30.
Patelco Mobile Banking Patelco users express frustration with the app's complexity and frequent crashes, which detract from the overall experience R63R67R92.
reliability edge: STCU Mobile BankingR10R16R67R78
STCU Mobile Banking Many STCU users report reliability issues, particularly with mobile deposits and login processes, but overall satisfaction remains high R10R16.
Patelco Mobile Banking Patelco users frequently mention downtime and technical issues that hinder access to their accounts R67R78R92.
price/value edge: STCU Mobile BankingR11R23R73R75
STCU Mobile Banking STCU offers a low membership fee of $10, which many users find valuable given the services provided R11R23.
Patelco Mobile Banking Patelco's services are also well-regarded, but specific pricing details were less frequently mentioned in the reviews R73R75.
support edge: STCU Mobile BankingR5R8R61R100
STCU Mobile Banking STCU users often praise the customer service as responsive and helpful R5R8.
Patelco Mobile Banking Patelco users report dissatisfaction with customer service, particularly during technical issues R61R67R100.
Pick STCU Mobile Banking if

you want a more reliable and user-friendly banking app with good customer support.

Pick Patelco Mobile Banking if

you are already a loyal Patelco customer and prefer their services despite app issues.

Evidence note: Both apps have free tiers, but STCU's users seem to report more satisfaction overall, while Patelco's recent reviews indicate significant app issues.

Frequently asked

What are the main issues users face with these banking apps?
Users of both apps report issues with mobile deposits and app reliability, with STCU users mentioning login problems and Patelco users experiencing frequent crashes and downtime.

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] STCU Mobile Banking 1/5 · US Love/Hate: I love that STCU is a local credit union and with that comes lower interest rates blah blah blah. I’ve never missed a payment on a 34k vehicle… I have thousands of dollars inside my account. Trying to build credit I applied for a credit card and I’m only getting approved for 1/5th of the money I have inside my account. It’s almost like why do I trust them with my money if they can’t tru
  2. [R9] STCU Mobile Banking 3/5 · US Limited mobile transfers, otherwise it’s the best!: My one and only complaint is that the amount of transfers you can make in a month from your device is limited. Otherwise the app as a whole is efficient, easy to use, and getting support or help is so easy!
  3. [R61] Patelco Mobile Banking 1/5 · US Functions don’t work: let me start by saying their customer service is terrible. Ever since I have used the app I have not been able to use the deposit check function. They told me to delete the app and reinstall. That didn’t work. It gives me an error but doesn’t tell me what that error is. I’m in Texas so I can’t go to a location. Had to have a friend take a check back with him to San Francisco
  4. [R63] Patelco Mobile Banking 3/5 · US Love Patelco but not the App: I’ve been with Patelco for over 40 years! It’s a great banking institution with good, reliable services and benefits for customers. Customer service is excellent! The app however has been updated and keeps crashing or non-responsive and very slow over the past year or so. I keep having to delete and reinstall every month or so. That’s inconvenient, a hassle, frustrati
  5. [R17] STCU Mobile Banking 5/5 · US Mobile Banking: So easy to use and all the information you need in one place
  6. [R30] STCU Mobile Banking 3/5 · US Mobile deposit doesn’t work: I’ve tried several times on this app to do mobile deposit and every time it says “oops something went wrong” I hope they fix this it’s really annoying. I switched from Wells Fargo and their mobile deposit works wonderful.
  7. [R92] Patelco Mobile Banking 2/5 · US More hang ups than some of my family members: Good app mostly however it hangs up and won’t let me in. looks of error messages if I see “oops …try again “. and when ypu try again you get the same thing ovee he and over. Frustrating as hellwhen you need access to your accounts and all you get is that error message over and over. Seems to get worse woth each update. Hate it overall because it’s so u
  8. [R10] STCU Mobile Banking 1/5 · US Technical problems: This app is terrible! I try to use the online banking service and it doesn’t let me connect my external accounts and has so many bugs!
  9. [R16] STCU Mobile Banking 1/5 · US Fix your app: The mobile deposit doesn’t work for checks, it always says error and haven’t been able to deposit a single check without having to go in. It also will not let me log into my wife’s account with linking it to the app for whatever reason, probably the worst app I’ve used for banking
  10. [R67] Patelco Mobile Banking 1/5 · US Always down: Never able to access my account they have maintenance everyday. One time couldn’t see my funds for a whole month.
  11. [R78] Patelco Mobile Banking 1/5 · US App not opening: App has technical issues, won’t start up
  12. [R11] STCU Mobile Banking 4/5 · US Saving Money: I preface this with the understanding that a lot of my money managing is created easier by the way my budget is set up, but! ; I was able to set up 3 separate checking accounts, each with scheduled deposits and withdrawals that I can manage right from the app! And I only had to pay a one time 10$ membership fee! This sets up my finances to provide for my family, save my money, ( and
  13. [R23] STCU Mobile Banking 5/5 · US Best bank ever: No fees! Amazing!
  14. [R73] Patelco Mobile Banking 5/5 · US Low interest rates, great service!: I’ve had a couple personal loans from Patelco with low interest rates (7% for education and 5% for auto). I love their low interest credit card too!
  15. [R75] Patelco Mobile Banking 5/5 · US Patelco Credit Union Mastercard: I’ve been a member since 1967. It’s been the best and still is!
  16. [R5] STCU Mobile Banking 5/5 · US Helpful and courteous: I have used Spokane teachers credit union to pay off a vehicle and also the credit card that has superb rating and interest rate rates. In addition to the rate, even traveling abroad makes it easy anytime I have an issue. I give them a call. They answer the phone and so I’ve had nothing but good responses
  17. [R8] STCU Mobile Banking 4/5 · US Excellent staff: I just love the people at STCU. They are always helpful and resolve things quite quickly. I would recommend them to anybody.
  18. [R100] Patelco Mobile Banking 5/5 · US Love the app: I like the app but it’s a HEADACHE making a payment and able to speak to a representative…it’s ridiculous. It takes an hour to get to talk to someone. 😡

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