Comparison

Central State CU vs Dibs

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

Head to head
About

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.

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
Read full description

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

About

Dibs

Effortlessly divide restaurant bills by item, ensuring fair splits for everyone. Simply photograph your receipt, tag who ate what, and let the app calculate individual totals, including proportional tax and tip. Settle up easily through Venmo or a simple message.

Highlights
  • On-device receipt scanning
  • Manual item entry and correction
  • Assign items to diners
  • Proportional tax and tip calculation
  • Venmo payment integration
  • Local split history
Read full description

Dibs splits a restaurant bill the way you actually ate it — by item, not by an awkward even quarter that leaves someone subsidizing everyone else's drinks. Photograph the receipt and Dibs reads it on device. Review the parsed items (the scan is best-effort, so you always get the final say), tag who had what, and Dibs computes who owes what — distributing tax and tip PROPORTIONALLY to each person's subtotal, reconciled to the exact penny. When it's time to settle, Dibs hands off to Venmo with a pre-filled request, or shares a plain-text "pay me" message for anything else. Dibs never moves money and never holds it. FEATURES • On-device receipt scanning — offline, free, nothing uploaded • Manual entry and correction — you review every item • Assign items to diners; shared and unassigned items split evenly • Proportional tax and tip, with penny-exact totals • Pay hand-off via Venmo deep link, or a share-sheet message • Local history of past splits, revisitable • Remembers people you split with for quick re-picking PRIVATE BY DESIGN No accounts. No backend. No cloud. No tracking. Every split stays on your device. If Dibs saves you the after-dinner math, there's an optional tip jar — entirely your call, and it unlocks nothing. Dibs works fully without it.

Screenshots

Central State CU4 screens
Dibs4 screens

Verdict

The call

The clearest difference is review sentiment: Dibs at 100% against Central State CU's 59%. Dibs also leads on update cadence (every 10 days vs monthly) and rating (5.0 vs 4.8). Central State CU's advantage is in-app purchases (none vs 3) and ratings volume (2K vs 4). On price and ads 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. Dibs sells 3 one-off in-app purchases. Central State CU asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Dibs holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Central State CU has 2K ratings behind it against 4, 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 100% of Dibs's.

UpkeepUpdate frequency

Central State CU ships an update monthly, Dibs every 10 days. The most recent releases landed on October 12, 2026 and October 6, 2026 respectively.

Scorecard8 real differences · 2 level
Central State CU versus Dibs: the parameters behind the verdict, then further details
ParameterCentral State CUDibs
PriceFreeFree
Rating4.8 (2K ratings)5.0 (4 ratings) — better
Positive reviews59.4% of reviews100.0% of reviews — better
Number of ratings2K — better4
Update frequencyMonthlyEvery 10 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone
Requires iOS15.6 — better17.0
Further details — not scored
Size67 MB1 MB
Age rating4+4+
DeveloperCentral State Credit UnionCHICO RAMOS MALTO

Customer experience

Central State CU

All ratings1,971 ratings
Positive95.1%
Neutral2.4%
Negative2.5%
Written reviews32 reviews
Positive59.4%
Neutral3.1%
Negative37.5%

Dibs

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

Dibs

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Central State CU

No in-app purchases

3 purchases

Dibs

One-time3
  • Small Tip$0.99
  • Medium Tip$2.99
  • Large Tip$4.99

Questions

Is Central State CU free?
Central State CU is free to download, with no in-app purchases.
Is Dibs free?
Dibs is free to download, with in-app purchases available.
Which has better reviews, Central State CU or Dibs?
Dibs is rated higher. Central State CU averages 4.8 out of 5 from 2K ratings, while Dibs averages 5.0 from 4 ratings.
Do Central State CU or Dibs have ads?
Neither Central State CU nor Dibs shows ads.
Which is updated more often, Central State CU or Dibs?
Central State CU ships an update monthly, and Dibs every 10 days. Most recently, Central State CU was updated on October 12, 2026 and Dibs on October 6, 2026.

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