Comparison

SBMC Mobile vs BCC My SmartCare

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

Head to head
About

SBMC Mobile

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. Locate nearby branches and ATMs with ease.

Highlights
  • Check account balances
  • Search recent transactions
  • Transfer funds between accounts
  • Pay bills and view payment history
  • Deposit checks via camera
  • Find branches and ATMs
  • Secure sign-on with Touch ID/Face ID
Features
Read full description

Start banking wherever you are with SBMC Mobile Banking app. Available to all Savings Bank of Mendocino County online banking customers. Available features include: Accounts: •Check your latest account balance and search recent transactions by date, amount, or check number. Transfers: •Easily transfer cash between your accounts. Bill Pay: •Make payments and view recent and scheduled payments. Deposits: •Submit check deposits using your device’s camera. Locations: •Find nearby branches and ATMs using your device’s built-in GPS. Touch ID/Face ID: •Touch ID/Face ID allows you to use a secure and more efficient sign-on experience using your fingerprint or facial recognition.

About

BCC My SmartCare

Manage your Flexible Spending Account securely from your mobile device. Access account balances, plan details, and recent transactions. Submit claims and substantiation materials on the go.

Highlights
  • Secure account access
  • View account balances
  • Access plan details
  • Review recent transactions
  • Submit claims
  • Submit substantiation materials
Features
Read full description

My SmartCare Mobile provides Benefit Coordinators Corporation’s Flexible Spending Account participants with a secure, single access point to manage their accounts from their mobile device. Participants use their existing username and password to access their accounts from anywhere at any time. Users can simply download the app and log in to gain instant access to their account balances, plan details, recent transactions and communications from BCC. Claims and substantiation materials can also be submitted through the app. Participants must register and go through the authentication process online before accessing their personal information through this app.

Screenshots

SBMC Mobile4 screens
BCC My SmartCare4 screens

Verdict

The call

The clearest difference is review sentiment: SBMC Mobile at 68% against BCC My SmartCare's 31%. SBMC Mobile also leads on rating (4.7 vs 4.5) and update cadence (every 6 weeks vs every 3 months). BCC My SmartCare's advantage is monetization model (ad-supported vs free with in-app purchases). On price, ratings volume, 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

SBMC Mobile holds the better App Store score, 4.7 against 4.5. Both are backed by a comparable volume of ratings — 1.4K and 668 respectively. Written reviews point the same way: 68% of SBMC Mobile's written reviews are positive against 31% of BCC My SmartCare's.

UpkeepUpdate frequency

SBMC Mobile ships an update every 6 weeks, BCC My SmartCare every 3 months. Both last shipped on November 1, 2026.

Scorecard4 real differences · 6 level
SBMC Mobile versus BCC My SmartCare: the parameters behind the verdict, then further details
ParameterSBMC MobileBCC My SmartCare
PriceFreeFree
Rating4.7 (1.4K ratings) — better4.5 (668 ratings)
Positive reviews67.6% of reviews — better31.0% of reviews
Number of ratings1.4K — better668
Update frequencyEvery 6 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesAd-supported — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.515.0 — better
Further details — not scored
Size199 MB31 MB
Age rating4+17+
DeveloperSavings Bank of Mendocino CountyBenefit Coordinators Corporation

Customer experience

SBMC Mobile

All ratings1,419 ratings
Positive95.3%
Neutral1.9%
Negative2.8%
Written reviews34 reviews
Positive67.6%
Neutral14.7%
Negative17.6%

BCC My SmartCare

All ratings618 ratings
Positive87.4%
Neutral3.1%
Negative9.5%
Written reviews29 reviews
Positive31.0%
Neutral10.3%
Negative58.6%

User reviews

SBMC Mobile

From 1.4K App Store ratings

What we love

  • 👍 Convenient and easy to use
  • 🚀 Fast and accurate mobile deposit
  • 💡 Excellent customer service

Room to improve

  • 🐛 Frequent crashes and glitches
  • 🔒 Removal of biometric sign-in
  • 🔍 Difficult to read interface

BCC My SmartCare

From 668 App Store ratings

What we love

  • 👍 Easy to use/understand
  • 🚀 Fast pay
  • 👍 Great app
  • 👍 Convenient
  • 👍 Helpful and informative

Room to improve

  • 🐛 App is archaic and outdated
  • 🐛 Login is terrible
  • 🐛 Pages won't load for transfers/investments
  • 🐛 Requires calling customer service frequently
  • 🐛 Claims are immediately denied

Bugs and requests

SBMC Mobile

Reported bugs

3 issues
  • App not working on certain devices
  • Mobile deposit issues with new update
  • Frequent need to delete and reload app

Requested features

3 requests
  • Connect to Apple Wallet
  • Improve mobile deposit process
  • Enhance accessibility with better color contrast

BCC My SmartCare

Reported bugs

8 issues
  • Login screen freezes
  • App crashes after entering username
  • App closes after entering username and selecting log in
  • Won't connect to server
  • Crashes when trying to add photo for claims
Show 3 more
  • Upload photo window is comically small
  • Pages won't load for transfers/investments
  • Rate this app tab doesn't work

Requested features

11 requests
  • Allow contact through the app
  • Improve navigation and ease of use
  • Integrate with other apps for receipt attachment (Dropbox, Box, Evernote)
  • Allow saving passwords or using Touch ID
  • Allow viewing all claims like the full website
Show 6 more
  • Allow attaching PDF files as receipts
  • Improve claim submission process to avoid immediate denials
  • Provide a pending status for claims
  • Allow editing claim information
  • Store dependent and provider information
  • Allow adding additional documentation

In-app purchases

None

SBMC Mobile

No in-app purchases

None

BCC My SmartCare

No in-app purchases

Questions

Is SBMC Mobile free?
SBMC Mobile is free to download, with no in-app purchases.
Is BCC My SmartCare free?
BCC My SmartCare is free to download, with no in-app purchases.
Which has better reviews, SBMC Mobile or BCC My SmartCare?
SBMC Mobile is rated higher. SBMC Mobile averages 4.7 out of 5 from 1.4K ratings, while BCC My SmartCare averages 4.5 from 668 ratings.
Do SBMC Mobile or BCC My SmartCare have ads?
Neither SBMC Mobile nor BCC My SmartCare shows ads.
Which is updated more often, SBMC Mobile or BCC My SmartCare?
SBMC Mobile ships an update every 6 weeks, and BCC My SmartCare every 3 months. Most recently, SBMC Mobile was updated on November 1, 2026 and BCC My SmartCare on November 1, 2026.

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