BAC Digital Banking vs Central State CU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BAC Digital Banking
Manage your finances on the go with a unified banking experience across devices. Check balances, pay bills, deposit checks, and transfer funds. Business customers gain access to advanced cash management and transaction approval features.
- Unified login across devices
- Check balances and history
- Download statements
- Pay bills
- Deposit checks
- Transfer money
- Account alerts
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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
Central State CU
Manage your finances on the go with this mobile banking application. Check balances, transfer funds, pay bills, and deposit checks using your device's camera. Securely access your accounts with fingerprint or facial recognition.
- Check account balances and transactions
- Transfer funds between accounts
- Pay bills and manage payees
- Deposit checks via camera
- Find nearby branches and ATMs
- Secure login with Touch ID/Face ID
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Do more with our Central State CU app. The Central State CU app allows you to: - Sign in with Face ID or Touch ID - Use Quick Balance to view account balances without signing in - Transfer funds between accounts - View account balances and transactions - Make loan payments - Deposit checks - View check copies - Pay bills - Access Statements - Left/right-handed modes - Full Neurodiverse features including options for epilepsy, dyslexia, color blindness, and visual sensitivity. ...and more! For more information or to become a member of Central State Credit Union, visit us at centralstatecu.org
Screenshots
Verdict
The clearest difference is ads: Central State CU at none against BAC Digital Banking's shown. Central State CU also leads on monetization model (free vs free with in-app purchases) and update cadence (monthly vs every 3 months). On price, rating, review sentiment and ratings volume 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.
On the App Store both sit at effectively the same score — 4.8 for BAC Digital Banking against 4.8 for Central State CU. Both are backed by a comparable volume of ratings — 665 and 2K respectively. Written reviews split almost evenly too, at 60% and 59% positive.
BAC Digital Banking ships an update every 3 months, Central State CU monthly. The most recent releases landed on September 19, 2026 and September 23, 2026 respectively.
| Parameter | BAC Digital Banking | Central State CU |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (665 ratings) | 4.8 (2K ratings) |
| Positive reviews | 60.0% of reviews — better | 59.4% of reviews |
| Number of ratings | 665 | 2K — better |
| Update frequency | Every 3 months | Monthly — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod, Apple Watch — better |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 100 MB | 67 MB |
| Age rating | 4+ | 4+ |
| Developer | BAC Community Bank | Central State Credit Union |
Customer experience
BAC Digital Banking
Central State CU
User reviews
BAC Digital Banking
From 665 App Store ratingsWhat we love
- 👍 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
Room to improve
- 🐛 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
Central State CU
From 2K App Store ratingsWhat we love
- 👍 Great service
- 🚀 Easy to use
- 👍 Helpful staff
- 👍 Reliable app
Room to improve
- 🐛 Slow app performance
- 🐛 Login/app issues
- 🐛 Unreliable transactions
Bugs and requests
BAC Digital Banking
Reported bugs
7 issues- 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
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- Loading problems with the app
- Check deposit process is difficult and time-consuming
Requested features
6 requests- 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
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- Display account balance after transactions
Central State CU
Reported bugs
2 issues- App crashes frequently
- Accounts not loading properly
Requested features
2 requests- Add ability to transfer to other members
- Improve password management
In-app purchases
BAC Digital Banking
No in-app purchases
Central State CU
No in-app purchases
Questions
Is BAC Digital Banking free?
Is Central State CU free?
Which has better reviews, BAC Digital Banking or Central State CU?
Do BAC Digital Banking or Central State CU have ads?
Which is updated more often, BAC Digital Banking or Central State CU?
Other comparisons
