# Central State CU vs Smart ALAC

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 4.3) and update cadence (monthly vs every 43 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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 4.3. That said, the two scores are not equally well evidenced: Central State CU has 2K ratings behind it against 3, 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 October 26, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Central State CU | Smart ALAC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (2K ratings)](https://appshunter.io/ios/app/central-state-cu/id1456393527/reviews)** | [4.3 (3 ratings)](https://appshunter.io/ios/app/smart-alac/id1616087268/reviews) |
| Number of ratings | **2K** | 3 |
| Positive reviews | **59.4% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 43 months |
| Monetization | Free | Free |
| Size | 67 MB | 18 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Central State Credit Union](https://appshunter.io/developer/740019056) | [BAC Community Bank](https://appshunter.io/developer/1282056612) |

## What reviewers say

### 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


### Smart ALAC

[App page](https://appshunter.io/ios/app/smart-alac/id1616087268)

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.

**Highlights:** AI-powered secure messaging, Dedicated personal banker assignment, Direct communication with BAC employees, Review banker profiles, Personalized banking assistance, Convenient anytime access

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Central State CU free?

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

### Is Smart ALAC free?

Smart ALAC is free to download, with no in-app purchases.

### Which has better reviews, Central State CU or Smart ALAC?

Central State CU is rated higher. Central State CU averages 4.8 out of 5 from 2K ratings, while Smart ALAC averages 4.3 from 3 ratings.

### Do Central State CU or Smart ALAC have ads?

Neither Central State CU nor Smart ALAC shows ads.

### Which is updated more often, Central State CU or Smart ALAC?

Central State CU ships an update monthly, and Smart ALAC every 43 months. Most recently, Central State CU was updated on October 26, 2026 and Smart ALAC on October 24, 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.*