# BAC Digital Banking

> Mobile banking app for checking balances, payments, transfers, and business cash management. (iPhone/iPad app by BAC Community Bank.)

- Source: https://appshunter.io/ios/app/bac-digital-banking/id1286827668 (this page in markdown: same URL + `.md`)
- Developer: [BAC Community Bank](https://appshunter.io/developer/1282056612)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 665 App Store ratings · 15 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 100 MB
- Languages: American English
- Released: 2017-10-30
- Data updated: 2026-08-31
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/bac-digital-banking/id1286827668/reviews.md

## What is BAC Digital Banking?

Our BAC Digital Banking mobile app, provides a unified experience with one log-in from desktop to mobile across all devices. 


All customers can do the following with BAC Digital Banking on any device:
- Check balances 24/7, view history, and download statements
- Pay bills and deposit checks
- Transfer or send money to other accounts at BAC and most U.S. financial institutions
- Set account alerts

Business customers can do even more.
- Access cash management features
- Review and approve company dual control transactions
- Receive alerts when approvals are pending


For a more detailed description of functionality, along with Terms and Service Agreements, visit us online at www.bankbac.com

*Message and data rates may apply based on your plan with your mobile carrier.


This app is designed for customers of BAC Community Bank headquartered in California.


Member FDIC
Equal Housing Lender

## Key features

- Unified login across devices
- Check balances and history
- Download statements
- Pay bills
- Deposit checks
- Transfer money
- Account alerts

## What do users think of BAC Digital Banking?

Overall sentiment: mixed

**Pros**

- 👍 Great bank overall
- 👍 Happy with service and staff
- 👍 App is easy to use
- 👍 Love the new app look and layout
- 👍 Easy to set up recurring transfers
- 👍 Convenient bill pay on the go
- 👍 Mobile deposits are easy
- 👍 "My Cards" feature for quick on/off
- 👍 Trustworthy bank
- 👍 Amazing customer service
- 👍 Helpful staff

**Cons**

- 🐛 App times out too quickly when multitasking
- 🐛 Login issues, requires multiple attempts
- 🐛 App constantly logs out users
- 🐛 New update causes identity verification issues
- 🐛 Confirmation code not received or enterable
- 🐛 Loss of transaction details (account balance after transaction)
- 🐛 Retina display/biometric login not intuitive
- 🐛 Unnecessary additional task for check endorsements
- 🐛 Check deposit is not user-friendly and takes a long time
- 🐛 Customer service unhelpful with deposit issues

**Commonly reported bugs**

- App times out immediately after switching apps
- App requires multiple logins due to 'experiencing problems' message
- App constantly logs out
- New update prevents identity verification by not allowing code entry
- App no longer shows account balance after a transaction
- Loading problems with the app
- Check deposit process is difficult and time-consuming

**Most requested features**

- Improve app timeout behavior for multitasking
- Implement more intuitive biometric login (retina display)
- Remove the requirement for notes on the back of checks
- Enhance the check deposit process for user-friendliness and speed
- Provide ability to enter confirmation codes when sent
- Display account balance after transactions

## Recent user reviews (10 of 15)

All indexed reviews: https://appshunter.io/ios/app/bac-digital-banking/id1286827668/reviews.md

### 5/5 — Our family’s 1 choice

*2026-04-06, version 25.2.350*

BAC has been our bank since 2004. Since then we have had about 5 other secondary accounts with different banks and have always ended up closing them all because BAC has always been the best one.

### 1/5 — Time out

*2026-03-07, version 25.2.350*

It is horrible that it times out when you multitask opening another app and then go back to BAC app in seconds then you’re TIMED OUT which it is horrible. This is the one and Only App that does that. Any other apps like Bank of America, Patelco Credit Union are great - even for longer than a minute when I go back to their apps I’m not timed out. BAC must step up their game in the digital world

Zelle transfers is such another topic for another time

### 5/5 — Thanks

*2025-12-09, version 25.1.322*

Thank you for being my bank I’m so happy with your service, Appreciate all of the workers.

### 2/5 — Has anyone actually used this

*2025-12-03, version 23.2.402*

There is no way that this app has good reviews every time i log in i have to do it twice because it always says the app is experiencing problems every time

### 5/5 — Amazing Bank

*2025-05-30, version 23.2.402*

Every time I go to the bank the staff is amazing! Jerry and Marci always help me with any questions or transactions I have. They are the best!

### 5/5 — So easy to use!

*2023-10-03, version 23.1.223*

Love being able to basically do anything with my bank account on this app!

### 1/5 — Poor choices in new update

*2023-09-21, version 23.1.223*

This app used to work perfectly with no issues. Since the new revisions, it constantly asks me to verify my identity, says it will send me a confirmation code but then never gives you the ability to enter the code, therefore locking you out. It also used to tell you both how much was left in your account after a transaction and also how much was being taken out for that transaction. Now it only displays what’s being taken out. I work 9-5 which is the same hours as the bank, and often work overtime so the only way for me to deposit my checks is via this app. If I can’t even do that then what’s the point of banking with them?

### 5/5 — Love the new look

*2023-09-19, version 23.1.223*

The new app is so easy to navigate around . So much easier to read and clean layout. 
Easy to set up recurring transfers, pay bills on the go and make mobile deposits. 
Plus the “My Cards” feature allows me to turn my debit card Off or On quickly.

### 1/5 — App constantly logs me out

*2023-09-06, version 23.1.223*

It is so annoying that every time I need to use the app it has logged me out

### 3/5 — Protection

*2023-09-01, version 23.1.223*

Can’t figure out where the retina display is so I have to keep remembering to type in email and password.

Thanks 

Steve R.

## Frequently asked questions about BAC Digital Banking

### What can I do with the BAC Digital Banking app?

The app allows you to check account balances and history 24/7, download statements, pay bills, deposit checks, and transfer money between accounts. Business customers can also access cash management features and approve transactions.

### Is the BAC Digital Banking app free to use?

The app itself is free to download and use. However, message and data rates may apply based on your mobile carrier's plan.

### Who is the BAC Digital Banking app designed for?

This app is designed for customers of BAC Community Bank, which is headquartered in California. It caters to both individual and business customers.

### Can I transfer money to accounts outside of BAC?

Yes, you can transfer or send money to other accounts at BAC and most U.S. financial institutions through the app.

### What are the business-specific features available?

Business customers can leverage advanced cash management features, review and approve company dual control transactions, and receive alerts when approvals are pending.

## Version history (last 5 releases)

### 25.2.350 — 2026-02-18

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes.  Please be sure to turn on automatic updates to make sure that your app is always up to date.

### 25.1.322 — 2025-12-08

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes.  Please be sure to turn on automatic updates to make sure that your app is always up to date

### 23.2.402 — 2024-03-20

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes.  Please be sure to turn on automatic updates to make sure that your app is always up to date.

### 23.1.223 — 2023-08-23

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes.  Please be sure to turn on automatic updates to make sure that your app is always up to date.

### 23.1.222 — 2023-08-23

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes.  Please be sure to turn on automatic updates to make sure that your app is always up to date.

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## More apps by BAC Community Bank

- [BAC Business Mobile Banking](https://appshunter.io/ios/app/bac-business-mobile-banking/id1282056614)
- [Smart ALAC](https://appshunter.io/ios/app/smart-alac/id1616087268)

All apps by BAC Community Bank: https://appshunter.io/developer/1282056612

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*