Secure Checking vs Smart911
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Secure Checking
Access exclusive discounts on dining, shopping, and travel. Get protection with IDProtect services, including credit monitoring and fraud assistance. Report lost or stolen cards 24/7.
- Restaurant and shop discounts
- Travel savings
- Health discount access
- IDProtect services
- Credit report and score viewing
- Identity fraud specialist connection
- Lost/stolen card reporting
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Members of Secure Checking can enjoy convenient access to their benefits, including discounts and savings with the Secure Checking mobile app! With the Secure Checking app you will have access to discounts at local restaurants, shops, attractions, travel destinations, and more. Access health discounts savings and locate providers while you are on the go. You will have personal protection and peace of mind even while you are on the go with access to your IDProtect services that are available with Secure Checking. With the Secure Checking app you can check credit alerts on your mobile device and instantly call to learn more or to dispute the activity. You will also have the ability to view your credit report and score. Should you become a victim of identity fraud, the Secure Checking app can easily connect you to a dedicated fraud specialist who will be assigned to manage your case – or connect you to file a claim for identity fraud expense reimbursement to cover expenses associated with restoring your identity. Lost/stolen credit card? With the Secure Checking app you can quickly connect to a representative 24/7 to report your previously registered cards with just one phone call. To be eligible for the Secure Checking app, your financial institution must offer this service to eligible checking account holders. Prior to downloading, be sure to register online at www.SecureChecking.com using the Access Code provided by your financial institution. After downloading the Secure Checking app – you will then log in using the same user name and password used online. Secure Checking App Features: • Easily find great savings and discounts from businesses near your current location, including map and directions • Use a mobile coupon to immediately enjoy your savings by simply showing your mobile device • Convenient access to your “Favorite Deals” • Ability to access and view credit alerts • View credit report and score • Connect to dedicated fraud specialists in the event you have suffered an identity fraud incident • Report lost/stolen credit or debit cards 24/7 • Access to information related to other Secure Checking benefits
Smart911
Enhance emergency preparedness by creating a Safety Profile to share vital household information with 9-1-1. Receive targeted emergency alerts for weather, traffic, and public safety events.
- Create Safety Profiles
- Share household information with 9-1-1
- Receive emergency alerts
- Customize notification types
- View medical and contact details
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Be better prepared for any emergency with Smart911. By signing up, you can share lifesaving information about your household with 9-1-1 and receive targeted emergency alerts. When you call 9-1-1, your Smart911 Safety Profile displays on the 9-1-1 screen. The 9-1-1 call takers can view your addresses, medical information, home information, pets and vehicles, and emergency contacts. You can provide as much or as little information as you like. This additional information enables 9-1-1 and first responders to send help fast. Smart911 can also keep you informed of weather, traffic, and other emergencies by sending emergency alerts from the National Weather Service and local public safety agencies. You can select the types of notifications you want and how you want to be notified. Smart911: Information worth sharing. Sign up today.
Screenshots
Verdict
The clearest difference is rating: Smart911 at 4.7 against Secure Checking's 3.3. Smart911 also leads on review sentiment (37% vs 0%) and ratings volume (6.6K vs 6). Secure Checking's advantage is update cadence (monthly vs every 4 months) and iOS requirement (13.0 vs 16). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Smart911 holds the better App Store score, 4.7 against 3.3. That said, the two scores are not equally well evidenced: Smart911 has 6.6K ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 0% of Secure Checking's written reviews are positive against 37% of Smart911's.
Secure Checking ships an update monthly, Smart911 every 4 months. The most recent releases landed on October 3, 2026 and October 9, 2026 respectively.
| Parameter | Secure Checking | Smart911 |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (6 ratings) | 4.7 (6.6K ratings) — better |
| Positive reviews | 0.0% of reviews | 37.1% of reviews — better |
| Number of ratings | 6 | 6.6K — better |
| Update frequency | Monthly — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 16 |
| Further details — not scored | ||
| Size | 37 MB | 26 MB |
| Age rating | 4+ | 4+ |
| Developer | Econo Check | Rave Mobile Safety |
Customer experience
Secure Checking
Smart911
Bugs and requests
Secure Checking
Not enough reviews yet to summarise bugs or requests.
Smart911
Reported bugs
4 issues- Unable to confirm phone number and get verification code
- Keeps signing users out and unable to log back in
- Incorrect address formatting and inability to update location
- Delayed or missing emergency alerts and notifications
Requested features
4 requests- Ability to adjust pin location on map
- Option to select specific areas for alerts
- Improved notification settings and customization
- Support for apartment/building entry details
In-app purchases
Secure Checking
No in-app purchases
Smart911
No in-app purchases
Questions
Is Secure Checking free?
Is Smart911 free?
Which has better reviews, Secure Checking or Smart911?
Do Secure Checking or Smart911 have ads?
Which is updated more often, Secure Checking or Smart911?
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