Patelco Plus Checking Benefits vs Smart & Final
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Patelco Plus Checking Benefits
Access exclusive local and national discounts on dining, shopping, and entertainment. This app also provides identity theft protection, credit monitoring, roadside assistance, and cell phone protection for members with a Plus Checking account.
- Exclusive local and national discounts
- Identity theft protection
- Free credit monitoring
- 24/7 roadside assistance
- Cell phone protection
- Local coupons and online discounts
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Patelco members who have a Plus Checking account can now download the Patelco Plus Benefits Mobile App, powered by BaZing, to take protection and discounts anywhere they go! Features include: Exclusive local & national discounts on dining, shopping, entertainment, health and travel Award-winning EZShield® Identity Theft Protection for you and your family Free credit monitoring, quarterly credit score, and quarterly credit report 24/7 roadside assistance Cell phone protection against theft or damage Local coupons and online discounts right from your phone
Smart & Final
Shop for groceries and household essentials at low prices. Order online for same-day delivery or store pickup. Access weekly ads, clip digital coupons, and view your order history.
- Online ordering for delivery or pickup
- Access weekly ads and promotions
- Clip digital coupons
- View order history
- Store locator
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Smart & Final offers the same great low pricing in our app as you'll find in our stores. Simply download the app, create an account or log in to access all these great benefits: • Place Orders Online… for delivery same-day or pickup from your local Smart & Final • Access Weekly Ads and Promotions… view flyers directly on the app and clip coupons for great savings • View Order History… through the app or at SmartandFinal.com • Find Your Nearest Store… with our store locator
Screenshots
Verdict
The clearest difference is rating: Smart & Final at 4.6 against Patelco Plus Checking Benefits's 2.0. Smart & Final also leads on ratings volume (9.7K vs 13) and review sentiment (15% vs 0%). Patelco Plus Checking Benefits's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases and device support 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.
Smart & Final holds the better App Store score, 4.6 against 2.0. That said, the two scores are not equally well evidenced: Smart & Final has 9.7K ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 0% of Patelco Plus Checking Benefits's written reviews are positive against 15% of Smart & Final's.
Patelco Plus Checking Benefits ships an update every 4 months, Smart & Final every 2 months. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.
| Parameter | Patelco Plus Checking Benefits | Smart & Final |
|---|---|---|
| Price | Free | Free |
| Rating | 2.0 (13 ratings) | 4.6 (9.7K ratings) — better |
| Positive reviews | 0.0% of reviews | 15.3% of reviews — better |
| Number of ratings | 13 | 9.7K — better |
| Update frequency | Every 4 months | Every 2 months — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 14.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 102 MB | 119 MB |
| Age rating | 4+ | 12+ |
| Developer | Patelco Credit Union | Smart & Final Stores LLC |
Customer experience
Patelco Plus Checking Benefits
Smart & Final
Bugs and requests
Patelco Plus Checking Benefits
Not enough reviews yet to summarise bugs or requests.
Smart & Final
Reported bugs
4 issues- Digital coupons not working
- App crashing/freezing
- Login/sign-in problems
- Incorrect pricing/discounts
Requested features
5 requests- Ability to see item stock at local store
- Easier coupon clipping process
- Loyalty points program
- More user-friendly interface
- Better integration with website
In-app purchases
Patelco Plus Checking Benefits
No in-app purchases
Smart & Final
No in-app purchases
Questions
Is Patelco Plus Checking Benefits free?
Is Smart & Final free?
Which has better reviews, Patelco Plus Checking Benefits or Smart & Final?
Do Patelco Plus Checking Benefits or Smart & Final have ads?
Which is updated more often, Patelco Plus Checking Benefits or Smart & Final?
Other comparisons
