Comparison

GuideStone vs EBCentral

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

Head to head
About

GuideStone

Manage your retirement, investment, and insurance accounts on the go. Access account details, track performance, and review policy information anytime, anywhere. This app provides convenient access to your financial resources to help you finish well.

Highlights
  • Access retirement and investment overview
  • View accounts, plans, and investments
  • Track market value and performance
  • Manage investment allocation
  • Browse insurance products
  • Check policy coverage details
Features
Read full description

At GuideStone®, our vision is that every servant of Christ finishes well. With this in mind, we are committed to providing our members with tools and resources that help make this vision a reality. That is why we built the MyGuideStone® app to give you 24/7 access to your GuideStone retirement, investments, and insurance accounts from the convenience of your phone or tablet. Retirement/Investments · Access your investment overview · View accounts, plans and investments · Stay up-to-date on market value and performance · Manage your investment allocation · View investment transaction history and details Insurance · Browse insurance products · Check policy coverage details · See policy premium amount · View policy dependents We are always looking for ways to improve your experience and roll out updates often. If there is something you want us to build, please Give Us Feedback under the Help tab. Users must have a MyGuideStone account and login to access the app. GuideStone, MyGuideStone and the stones logo are registered trademarks of GuideStone Financial Resources. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc.

About

EBCentral

Manage all your benefit accounts, including FSA, HSA, and HRA, in one convenient app. Track your money, view account activity, submit claims with photos of receipts, and manage your benefits card. Stay organized and informed about your funds and deadlines.

Highlights
  • Unified benefit account management
  • Track balances and activity
  • Submit claims with receipt photos
  • Manage benefits card
  • View transaction history
  • Access support resources
  • Biometric login
Features
Read full description

EBCentral gives you a clear, simple way to manage all your benefit accounts in one place. Whether you use an FSA, HSA, HRA, or commuter benefits, the app helps you track your money, stay organized, and take action fast. Your Benefits at a Glance Open the app to see your balances, recent activity, important dates, and quick access to the tools you use most. Understand Your Spending Tap into any account to review contributions, purchases, remaining funds, and plan deadlines—everything you need to stay on track throughout the year. Submit Claims Easily Take a photo of your receipt, upload it, and submit. You can follow the status of each claim from start to finish, with most reviewed in 1–2 business days. Manage Your Benefits Card Get instant push notifications when your Benefits Card is used, so you always know what’s happening in real time. If a Benefits Card purchase needs a receipt, you can upload it instantly to keep your account in good standing. Track Deposits and Activity View every deposit, swipe, and reimbursement in one place. Filter your history to quickly find exactly what you’re looking for. Get Help When You Need It Read messages, access helpful resources, or reach out for additional support—all within the app. Strong, Secure Access Use biometric login to keep your information protected EBCentral brings everything together so you can focus less on managing benefits and more on using them.

Screenshots

GuideStone4 screens
EBCentral4 screens

Verdict

The call

The clearest difference is rating: EBCentral at 4.7 against GuideStone's 4.2. EBCentral also leads on ratings volume (164 vs 50). GuideStone's advantage is review sentiment (56% vs 26%) and iOS requirement (15.4 vs 17.5). On price, update cadence, ads and in-app purchases 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

EBCentral holds the better App Store score, 4.7 against 4.2. Both are backed by a comparable volume of ratings — 50 and 164 respectively. Written reviews complicate that: 56% of GuideStone's written reviews are positive against 26% of EBCentral's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

GuideStone ships an update every 2 months, EBCentral every 5 weeks. The most recent releases landed on September 16, 2026 and September 21, 2026 respectively.

Scorecard4 real differences · 6 level
GuideStone versus EBCentral: the parameters behind the verdict, then further details
ParameterGuideStoneEBCentral
PriceFreeFree
Rating4.2 (50 ratings)4.7 (164 ratings) — better
Positive reviews55.6% of reviews — better25.7% of reviews
Number of ratings50164 — better
Update frequencyEvery 2 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.4 — better17.5
Further details — not scored
Size142 MB38 MB
Age rating4+4+
DeveloperGuideStone Financial ResourcesEmployee Benefits Corporation

Customer experience

GuideStone

All ratings50 ratings
Positive76.0%
Neutral12.0%
Negative12.0%
Written reviews27 reviews
Positive55.6%
Neutral25.9%
Negative18.5%

EBCentral

All ratings164 ratings
Positive92.1%
Neutral1.8%
Negative6.1%
Written reviews74 reviews
Positive25.7%
Neutral8.1%
Negative66.2%

Bugs and requests

GuideStone

Not enough reviews yet to summarise bugs or requests.

EBCentral

Reported bugs

50 issues
  • Does not show all accounts (e.g., investment accounts)
  • App closes when trying to view activity
  • Next button does not work during claim submission
  • App does not work on iPhone
  • Error message: username or password wrong
Show 45 more
  • Unable to log in, connection error
  • App closes after clicking what to view
  • Transaction activity exits out of the app
  • App stops working, blank screen
  • Screen doesn't go anywhere after entering information
  • Constant document requests for HSA
  • Cannot log in to activate account
  • Logs out every time, does not save login
  • App not functional, login credentials clear
  • Face ID setting defaults to password
  • Not taking credentials for sign in
  • Login is wrong on app, but fine on browser
  • Empty home screen, no transactions visible
  • Claim submission not working correctly
  • Biometric login disabled frequently
  • Photos don't always upload
  • App closes randomly during use
  • Verification codes not verifying
  • App tells you password on website no longer works
  • Password won't work, Face ID won't work
  • App won't show balance or transactions, blank home screen
  • Main screen shows no data after login
  • Profile page displays 'Loading' and never loads
  • App just spins and spins, can't see information
  • App says PW is wrong, but browser works
  • App won't load after issuing new cards
  • 2 factor authentication default button resends code
  • App requires password even after enabling Face ID
  • App can't handle 2 uploaded pictures, closes and freezes
  • App won't log in with correct username and password
  • App gets worse with each update
  • Mobile app gives incorrect username/password error
  • App takes a long time to load or doesn't load at all
  • Old app was better, new app requires login every time
  • App spins and spins to load, blank screen
  • App provides no info, not even balance
  • App no longer works after setting up HealthSafe ID
  • App is unresponsive when submitting a claim
  • App logs into a blank screen, error message for everything
  • App says user or PW incorrect, but browser works
  • All pages are blank after login
  • App keeps telling me account information is wrong
  • App doesn't load, won't let me log in
  • Default button on 2 factor page resends code
  • Face ID never works, requires password

Requested features

3 requests
  • Add option to replace cards
  • Implement dark mode
  • Improve Face ID/biometric login persistence

In-app purchases

None

GuideStone

No in-app purchases

None

EBCentral

No in-app purchases

Questions

Is GuideStone free?
GuideStone is free to download, with no in-app purchases.
Is EBCentral free?
EBCentral is free to download, with no in-app purchases.
Which has better reviews, GuideStone or EBCentral?
EBCentral is rated higher. GuideStone averages 4.2 out of 5 from 50 ratings, while EBCentral averages 4.7 from 164 ratings.
Do GuideStone or EBCentral have ads?
Neither GuideStone nor EBCentral shows ads.
Which is updated more often, GuideStone or EBCentral?
GuideStone ships an update every 2 months, and EBCentral every 5 weeks. Most recently, GuideStone was updated on September 16, 2026 and EBCentral on September 21, 2026.

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