Comparison

Smart ALAC vs FI Digipass

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

Head to head
About

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.

Highlights
  • AI-powered secure messaging
  • Dedicated personal banker assignment
  • Direct communication with BAC employees
  • Review banker profiles
  • Personalized banking assistance
  • Convenient anytime access
Features
Read full description

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

About

FI Digipass

Features
Read full description

This app has been developed by OneSpan on behalf of Fiserv. This app will help protect your application by using a license to generate a Time-Based One-Time Passcode (TOTP). DIGIPASS for iPad/ iPhone allows online users to generate One Time Passwords and Digital Signature on their devices to perform safe login and transactions. After activating the application, you will be able to conduct safe money transfer and safe login to your online application (The app must be activated by scanning a CRONTO image on online application). Fiserv.com © “2025 OneSpan, Inc”

Screenshots

Smart ALAC3 screens
FI Digipass3 screens

Verdict

The call

Smart ALAC and FI Digipass are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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.

ScorecardNo meaningful differences
Smart ALAC versus FI Digipass: the parameters behind the verdict, then further details
ParameterSmart ALACFI Digipass
PriceFreeFree
Rating4.3 (3 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings3 — better—
Update frequencyEvery 43 months—
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.0 — better
Further details — not scored
Size18 MB12 MB
Age rating17+4+
DeveloperBAC Community BankFiserv, Inc

In-app purchases

None

Smart ALAC

No in-app purchases

None

FI Digipass

No in-app purchases

Questions

Is Smart ALAC free?
Smart ALAC is free to download, with no in-app purchases.
Is FI Digipass free?
FI Digipass is free to download, with no in-app purchases.
Do Smart ALAC or FI Digipass have ads?
Neither Smart ALAC nor FI Digipass shows ads.

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