Central State CU vs Smart ALAC
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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
Smart ALAC
Connect with a dedicated personal banker through a secure, AI-powered messaging app. Easily manage your banking needs, ask questions, and receive personalized service anytime, anywhere. Discover a smarter way to bank with direct access to BAC Community Bank employees.
- AI-powered secure messaging
- Dedicated personal banker assignment
- Direct communication with BAC employees
- Review banker profiles
- Personalized banking assistance
- Convenient anytime access
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Introducing Smart ALAC. What is Smart ALAC? ALAC stands for All Access Connection, which should come as no surprise from a bank whose name stands for: banking. always connected. Smart ALAC combines all-access connection in one super-smart and secure AI-powered app that makes messaging a BAC banker as easy as messaging a friend – anywhere, any time. Welcome to the latest in a long history of tech-savvy BAC banking products. Smart ALAC connects customers with a real BAC employee who will be their dedicated personal banker. Customers can review banker profiles and select the individual with whom they prefer to work. The chosen banker will be available to assist our customer with their banking needs, answer questions, provide helpful information and provide them with friendly, one-to-one service wherever they are. This highly functional app is more than a communication tool. It also has unexpected features to make banking with BAC Community Bank even easier and more enjoyable. To get started, download and launch the Smart ALAC app on your device. Choose the “Sign Up” option at the bottom of the welcome screen to create your username and password. Next, select your personal banker and start getting the personal service you deserve. Member FDIC Equal Housing Lender
Screenshots
Verdict
The clearest difference is review sentiment: Central State CU at 59% against Smart ALAC's 0%. Central State CU also leads on rating (4.8 vs 4.0) and update cadence (monthly vs every 43 months). 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.
Central State CU holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: Central State CU has 2K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 59% of Central State CU's written reviews are positive against 0% of Smart ALAC's.
Central State CU ships an update monthly, Smart ALAC every 43 months. The most recent releases landed on September 23, 2026 and June 1, 2026 respectively.
| Parameter | Central State CU | Smart ALAC |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (2K ratings) — better | 4.0 (2 ratings) |
| Positive reviews | 59.4% of reviews — better | 0.0% of reviews |
| Number of ratings | 2K — better | 2 |
| Update frequency | Monthly — better | Every 43 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 67 MB | 18 MB |
| Age rating | 4+ | 17+ |
| Developer | Central State Credit Union | BAC Community Bank |
Customer experience
Central State CU
Smart ALAC
Bugs and requests
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
Smart ALAC
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Central State CU
No in-app purchases
Smart ALAC
No in-app purchases
Questions
Is Central State CU free?
Is Smart ALAC free?
Which has better reviews, Central State CU or Smart ALAC?
Do Central State CU or Smart ALAC have ads?
Which is updated more often, Central State CU or Smart ALAC?
Other comparisons
