Comparison

ASBT vs Heritage Digital Banking

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

Head to head
About

ASBT

Consolidate all your financial accounts into one secure platform. Track transactions, set alerts, make payments, transfer funds, and deposit checks with ease. Manage your money efficiently and access banking services on the go.

Highlights
  • Aggregate all financial accounts
  • Organize transactions with tags and notes
  • Set balance alerts
  • Make payments and transfer money
  • Mobile check deposit
  • Debit card management
  • View monthly statements
Features
Read full description

ASBT is your personal financial advocate that gives you the ability to aggregate all of your financial accounts, including accounts from other banks and credit unions, into a single view. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with ASBT: Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Secure your account with a 4-digit passcode and fingerprint or face reader on supported devices. To use the ASBT app, you must be enrolled as a American State Bank digital banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials.

About

Heritage Digital Banking

Manage your finances on the go with this secure banking app. Organize transactions with tags and notes, set balance alerts, and easily deposit checks by taking a photo. Transfer money, pay bills, and find nearby branches and ATMs.

Highlights
  • Organize transactions with tags, notes, and receipt photos
  • Set balance alerts
  • Make payments to companies and friends
  • Transfer money between accounts
  • Deposit checks via photo
  • View and save monthly statements
  • Find branches and ATMs
Features
Read full description

Default Full Description Heritage Digital Banking is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what you can do with Heritage Digital Banking: -Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. -Set up alerts so you know when your balance drops below a certain amount -Make payments, whether you’re paying a company or a friend -Transfer money between your accounts -Deposit checks in a snap by taking a picture of the front and back -View and save your monthly statements -Find branches and ATMs near you Secure your account with a 4-digit passcode or biometric on supported devices.

Screenshots

ASBT4 screens
Heritage Digital Banking4 screens

Verdict

The call

The clearest difference is monetization model: Heritage Digital Banking at free against ASBT's free with in-app purchases. On price, rating, ratings volume and update cadence 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for ASBT against 4.8 for Heritage Digital Banking. Both are backed by a comparable volume of ratings — 336 and 559 respectively.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. Both last shipped on November 7, 2026.

Scorecard1 real difference · 9 level
ASBT versus Heritage Digital Banking: the parameters behind the verdict, then further details
ParameterASBTHeritage Digital Banking
PriceFreeFree
Rating4.8 (336 ratings) — better4.8 (559 ratings)
Positive reviews—42.9% of reviews
Number of ratings336559 — better
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.418.4
Further details — not scored
Size197 MB180 MB
Age rating12+12+
DeveloperAmerican State Bank Holding Company Subsidiary, Inc.Heritage Bank of Ozarks

Customer experience

ASBT

All ratings331 ratings
Positive97.3%
Neutral0.9%
Negative1.8%

Heritage Digital Banking

All ratings549 ratings
Positive94.7%
Neutral2.4%
Negative2.9%
Written reviews7 reviews
Positive42.9%
Neutral0.0%
Negative57.1%

In-app purchases

None

ASBT

No in-app purchases

None

Heritage Digital Banking

No in-app purchases

Questions

Is ASBT free?
ASBT is free to download, with no in-app purchases.
Is Heritage Digital Banking free?
Heritage Digital Banking is free to download, with no in-app purchases.
Which has better reviews, ASBT or Heritage Digital Banking?
ASBT is rated higher. ASBT averages 4.8 out of 5 from 336 ratings, while Heritage Digital Banking averages 4.8 from 559 ratings.
Do ASBT or Heritage Digital Banking have ads?
Neither ASBT nor Heritage Digital Banking shows ads.
Which is updated more often, ASBT or Heritage Digital Banking?
ASBT ships an update monthly, and Heritage Digital Banking monthly. Most recently, ASBT was updated on November 7, 2026 and Heritage Digital Banking on November 7, 2026.

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