# Bank Account vs Checkbook

The clearest difference is monetization model: Bank Account at free with in-app purchases against Checkbook's subscription. Bank Account also leads on review sentiment (80% vs 56%). Checkbook's advantage is ratings volume (14K vs 32) and rating (4.3 vs 4.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Bank Account sells 1 in-app purchase, starting at $0.99 per 3 months and Checkbook sells 5 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

Checkbook holds the better App Store score, 4.3 against 4.0. That said, the two scores are not equally well evidenced: Checkbook has 14K ratings behind it against 32, so its average is the more settled of the two. Written reviews complicate that: 80% of Bank Account's written reviews are positive against 56% of Checkbook's, so the app with the better star average is not the one people write more warmly about.

Bank Account ships an update every 4 months, Checkbook every 6 weeks. The most recent releases landed on November 1, 2026 and November 10, 2026 respectively.

## The numbers

| Metric | Bank Account | Checkbook |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (32 ratings)](https://appshunter.io/ios/app/bank-account/id441685366/reviews) | **[4.3 (14K ratings)](https://appshunter.io/ios/app/checkbook-account-tracker/id484000695/reviews)** |
| Number of ratings | 32 | **14K** |
| Positive reviews | **79.7% of reviews** | 55.9% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Every 4 months | **Every 6 weeks** |
| Monetization | **Free with in-app purchases** | Subscription |
| Best chart rank | — | **#135** |
| Size | 5 MB | 122 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Harden Consulting LLC](https://appshunter.io/developer/366561891) | [Beesoft Apps](https://appshunter.io/developer/1420966143) |

## What reviewers say

### Bank Account

[App page](https://appshunter.io/ios/app/bank-account/id441685366)

This app helps you manage multiple bank accounts and track transactions locally on your device. It offers features like total balance overview, currency selection, and transaction backups to CSV or TXT files. It's designed for personal financial tracking and includes an optional ad-free subscription.

**Highlights:** Manage multiple accounts, Total balance overview, Currency selection per account, Backup/restore transactions, Search transactions, Expense breakdown by category, Lock screen option

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Ads | $0.99 | per 3 months |

**What reviewers like**

- 👍 Simple and functional
- 👍 Easy data entry
- 👍 Not overcrowded with features
- 👍 Best thing since sliced bread
- 👍 Super organized

**What reviewers complain about**

- 🐛 Too much going on, becomes a hindrance
- 🐛 Forget to select 'save', no warning
- 🐛 Ledger can be off
- 🐛 Missing items with no notification
- 🐛 Inefficient workflow

**Reported bugs**

- Forget to select 'save', no warning
- Ledger can be off
- Missing items with no notification
- Unable to change dollar amount
- Doesn't work anymore

**Requested features**

- Simplify entry process
- Redesign to address 'save' issue
- Duplicate entry saved on exit
- See all accounts on one screen
- Reconcile each transaction


### Checkbook

[App page](https://appshunter.io/ios/app/checkbook-account-tracker/id484000695)

**Currently charting:** #135 Top Grossing · Finance (US App Store)

Manage your daily finances with this app, tracking credit card charges, cash expenditures, and more. It offers multiple accounts, recurring transactions, fund transfers, and detailed reports with graphs. Easily search and export your financial data.

**Highlights:** Multiple account tracking, Recurring transaction saving, Fund transfers between accounts, Export data in CSV, QIF, HTML, Calendar view of transactions, Reports and charts for expenses/income, Passcode protection

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium - 1 Month | $0.99 | per month |
| Premium - 1 Year | $7.99 | per year |
| Premium - 1 Year | $8.99 | per year |
| Premium - 1 Year | $9.99 | per year |
| Upgrade to Checkbook Pro | $9.99 | one-time |

**What reviewers like**

- 💻 Easy to use
- 📊 Helpful charts and reports
- 🔄 Seamless sync across devices
- 🧮 Convenient built-in calculator
- 🗂️ Ability to manage multiple accounts

**What reviewers complain about**

- 🔍 Lacking advanced search/filtering
- 🔁 Recurring transactions issues
- 🔒 Concerns about data security
- 💰 Subscription model too expensive
- 📢 Intrusive ads in free version

**Reported bugs**

- Account balances not updating correctly
- Transactions disappearing or duplicating
- Sync issues between devices
- App crashes or freezes after updates

**Requested features**

- Custom categories and icons
- Budgeting and forecasting tools
- Ability to attach receipts/photos
- Improved account organization options
- Automatic balance reconciliation


## Frequently asked questions

### Is Bank Account free?

Bank Account is free to download, with in-app purchases available.

### Is Checkbook free?

Checkbook is free to download, with in-app purchases available.

### Which has better reviews, Bank Account or Checkbook?

Checkbook is rated higher. Bank Account averages 4.0 out of 5 from 32 ratings, while Checkbook averages 4.3 from 14K ratings.

### Do Bank Account or Checkbook have ads?

Both Bank Account and Checkbook show ads.

### Which is updated more often, Bank Account or Checkbook?

Bank Account ships an update every 4 months, and Checkbook every 6 weeks. Most recently, Bank Account was updated on November 1, 2026 and Checkbook on November 10, 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.*