# BAC Digital Banking vs Central State CU

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.

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.

## The numbers

| Metric | BAC Digital Banking | Central State CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (665 ratings)](https://appshunter.io/ios/app/bac-digital-banking/id1286827668/reviews) | [4.8 (2K ratings)](https://appshunter.io/ios/app/central-state-cu/id1456393527/reviews) |
| Number of ratings | 665 | **2K** |
| Positive reviews | **60.0% of reviews** | 59.4% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 100 MB | 67 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [BAC Community Bank](https://appshunter.io/developer/1282056612) | [Central State Credit Union](https://appshunter.io/developer/740019056) |

## What reviewers say

### BAC Digital Banking

[App page](https://appshunter.io/ios/app/bac-digital-banking/id1286827668)

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.

**Highlights:** Unified login across devices, Check balances and history, Download statements, Pay bills, Deposit checks, Transfer money, Account alerts

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🐛 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

**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

**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


### Central State CU

[App page](https://appshunter.io/ios/app/central-state-cu/id1456393527)

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.

**Highlights:** 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

**Features:** Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 👍 Great service
- 🚀 Easy to use
- 👍 Helpful staff
- 👍 Reliable app

**What reviewers complain about**

- 🐛 Slow app performance
- 🐛 Login/app issues
- 🐛 Unreliable transactions

**Reported bugs**

- App crashes frequently
- Accounts not loading properly

**Requested features**

- Add ability to transfer to other members
- Improve password management


## Frequently asked questions

### Is BAC Digital Banking free?

BAC Digital Banking is free to download, with no in-app purchases.

### Is Central State CU free?

Central State CU is free to download, with no in-app purchases.

### Which has better reviews, BAC Digital Banking or Central State CU?

BAC Digital Banking and Central State CU are both rated 4.8 out of 5 on the App Store, from 665 and 2K ratings respectively.

### Do BAC Digital Banking or Central State CU have ads?

BAC Digital Banking shows ads; Central State CU does not.

### Which is updated more often, BAC Digital Banking or Central State CU?

BAC Digital Banking ships an update every 3 months, and Central State CU monthly. Most recently, BAC Digital Banking was updated on September 19, 2026 and Central State CU on September 23, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*