Comparison

SBS Banking vs Root River State Bank

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SBS Banking

Manage all your financial accounts, including those from other institutions, in one place. Organize transactions with tags and notes, set balance alerts, and make payments and transfers easily. Deposit checks with a photo and secure your account with biometric login.

Highlights
  • Account aggregation
  • Transaction organization
  • Customizable alerts
  • Bill and person payments
  • Mobile check deposit
  • Debit card management
  • Biometric security
Features
Read full description

State Bank Spencer is your personal financial advocate that gives you the ability to aggregate all of your financial accounts, including accounts from other banks and credit unions, into a single view. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with State Bank Spencer: Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Secure your account with a 4-digit passcode and fingerprint or face reader on supported devices. To use the SBS Banking app, you must be enrolled as a State Bank Spencer Internet Banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials.

About

Root River State Bank

Manage all your financial accounts in one place, including those from other institutions. Organize transactions with tags and notes, set balance alerts, and make payments. Deposit checks, transfer funds, and secure your account with biometric options.

Highlights
  • Aggregate all financial accounts
  • Organize transactions with tags and notes
  • Set balance alerts
  • Make payments and transfer money
  • Mobile check deposit
  • Debit card management
  • Biometric security
Features
Read full description

Root River State Bank is your personal financial advocate that gives you the ability to aggregate all of your financial accounts, including accounts from other banks and credit unions, into a single view. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with Root River State Bank: Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Secure your account with a 4-digit passcode and fingerprint or face reader on supported devices. To use the Root River State Bank app, you must be enrolled as a Root River State Bank digital banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials.

Screenshots

SBS Banking4 screens
Root River State Bank4 screens

Verdict

The call

SBS Banking and Root River State Bank both sit at 4.9 stars, but that hides the real split: 100% of Root River State Bank's written reviews are positive against 0% of SBS Banking's. SBS Banking's advantage is ads (none vs shown). On price, rating, ratings volume and update cadence 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for SBS Banking against 4.9 for Root River State Bank. Both are backed by a comparable volume of ratings — 140 and 74 respectively. Written reviews are what separate them: 0% of SBS Banking's written reviews are positive against 100% of Root River State Bank's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard2 real differences · 8 level
SBS Banking versus Root River State Bank: the parameters behind the verdict, then further details
ParameterSBS BankingRoot River State Bank
PriceFreeFree
Rating4.9 (140 ratings)4.9 (74 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings140 — better74
Update frequencyMonthlyMonthly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationAd-supportedAd-supported
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.418.4
Further details — not scored
Size197 MB170 MB
Age rating12+4+
DeveloperState Bank SpencerJohnson Bancshares, Inc.

Customer experience

SBS Banking

All ratings140 ratings
Positive98.6%
Neutral0.0%
Negative1.4%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Root River State Bank

All ratings67 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

SBS Banking

No in-app purchases

None

Root River State Bank

No in-app purchases

Questions

Is SBS Banking free?
SBS Banking is free to download, with no in-app purchases.
Is Root River State Bank free?
Root River State Bank is free to download, with no in-app purchases.
Which has better reviews, SBS Banking or Root River State Bank?
Root River State Bank is rated higher. SBS Banking averages 4.9 out of 5 from 140 ratings, while Root River State Bank averages 4.9 from 74 ratings.
Do SBS Banking or Root River State Bank have ads?
Root River State Bank shows ads; SBS Banking does not.
Which is updated more often, SBS Banking or Root River State Bank?
SBS Banking ships an update monthly, and Root River State Bank monthly. Most recently, SBS Banking was updated on November 2, 2026 and Root River State Bank on November 3, 2026.

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