Even if you prefer to bank in person, you'll probably still use your bank's mobile banking app occasionally. The best mobile banking apps are easy to use and feature-rich, letting you do things like check your balance, transfer money, and even open a bank account.
We've surveyed many nationwide mobile banking apps from banks and credit unions and listed those with the best ratings.
no monthly service fee
None
$0
Pros
Cons
Chime has one of the best checking accounts out there, but it doesn't offer joint accounts or pay the best savings rate. Its strongest feature is that it's great for people who might not qualify to open accounts elsewhere — it doesn't check your credit score or banking history when you apply for a checking account, savings account, or credit card. It also provides several credit-building tools.
Chime Checking Account- Get paid up to 2 days early with direct deposits
- 50,000+ fee-free ATMs nationwide through MoneyPass® and Visa® Plus Alliance
- Free cash deposits at Walgreens; May deposit cash at other select retail locations but you may be charged a fee
- Rounds debit card purchases up to the nearest dollar and moves spare change into your Chime Savings Account
- Qualify for SpotMe® overdraft protection by receiving $200 in direct deposits per month
- Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
Top Mobile Banking Apps for May 2025
- Ally
- Bank of America
- Capital One
- Charles Schwab Bank
- Chase
- M&T Bank
- Synchrony Bank
These are our top picks for mobile banking apps. If you're also interested in other useful apps, consider going through our best budgeting apps guide.
Best Mobile Banking App Reviews
The best banking apps have easy-to-use interfaces that make it easy to manage your account. With just a few taps, you should be able to view your account balances, deposit checks, and contact customer support. With some apps, you can also do things like see your balance without logging in or track your credit score.
We have top picks from both brick-and-mortar and online financial institutions, so you have different possibilities to explore.
Ally
no monthly service fee
0.10% to 0.25%
$0
N/A
Pros
Cons
- You can deposit checks right from your smartphone
- Manage expenses by creating spending buckets
- Ally reimburse's up to $10 per statement cycle for fees charged at other ATMs nationwide
- Transfer money with your voice through Ally Skill™ for Amazon Alexa
- Interest compounded daily, paid monthly
- FDIC insured
Through the Ally mobile app you can set up savings or spending buckets that let you save for separate goals, like an "Emergency fund" and "Travel Account." You can also use the Surprise Savings feature to evaluate how much you can afford to save in your checking account, then automatically transfer extra money into savings up to three times per week.
Ally offers 24/7 live customer support, both over the phone and via chat. You can also find nearby ATM locations while using the app.
Some of our other top picks also have better average scores in the Google Play store.
Bank of America
$12 monthly service fee
None
$100
$300
Pros
Cons
- New Bank of America customers may receive a $300 bonus when you open a new eligible personal checking account online using offer code PSJ300CIS, and set up direct deposit for $2,000 or more within the first 90 days of opening the account (offer expires May 31, 2025)
- Access to over 3,900 branches and 15,000 ATMs
- Waive $12 monthly service fee by doing one of the following: receive $250/month in direct deposits, keep $1,500 minimum daily balance, enroll in Preferred Rewards, or be a student under age 25
- If you use Balance Connect and link your checking account to a backup account, there's a $0 overdraft protection transfer fee
- FDIC insured
Bank of America is an excellent national banking option for avid mobile users. The brick-and-mortar bank ranks second in banking mobile app satisfaction, according to the 2024 J.D. Power U.S. Bank Mobile App Satisfaction Study.
The mobile app has numerous security features. For example, the app has a security meter that visually represents how to increase the level of protection in your account. You can also receive mobile app alerts for your account balance, or order to replace your debit card if it is lost.
Keep in mind Bank of America checking and savings accounts have monthly service fees unless you meet certain requirements. If you want bank accounts that do not charge any monthly service fees the best online banks may be more appealing for you.
Capital One
The Capital One mobile app is rated the highest in mobile app customer satisfaction among national banks, according to 2024 J.D. Power U.S. Bank Mobile App Satisfaction Study. You can use the bank's app to deposit checks, track your credit score, or monitor your bank account.
If you're also set on earning a high interest rate on a bank account, bear in mind that other online banks may have more competitive savings or CD rates right now.
Charles Schwab
no monthly service fee
0.05%
$0
Pros
Cons
Charles Schwab Bank is one of the best banks for international travelers, because it doesn't charge foreign transaction fees. It also refunds all fees charged by ATMs worldwide. But if you want to earn high interest rates, you're better off looking elsewhere.
Schwab Bank High Yield Investor Checking® Account- 24/7 live online chat
- When you open a checking account, you automatically open a Charles Schwab brokerage account, too
- No ATM network, but unlimited ATM fee reimbursements
- Interest compounded daily, paid monthly
- FDIC insured
Charles Schwab lets you invest, save, and spend in the same app. You can use the app to deposit checks or make lists to help monitor market trends.
Some of our other top picks have better Google Play ratings. You must also invest with Charles Schwab to open a checking account.
Chase
$12 monthly service fee
None
$0
$300
Pros
Cons
There are several Chase checking accounts, and Chase Total Checking® is the bank's most popular choice. It offers several ways to waive the monthly fee, and you may qualify for a $300 bank account bonus. But if you want perks like early direct deposit or waived out-of-network ATM fees, one of Chase's other options could be a better fit.
Chase Total Checking- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
- Chase Overdraft Assist℠ – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Through the Chase mobile app, you can manage your bank accounts, investments, and credit card/card points. You may track your credit score or deposit checks.
The Chase mobile app allows you to set up automatic savings transfers and create folders for separate savings goals, like "Vacation Fund" or "College Savings." The mobile app is rated highly in customer satisfaction among national banks, according to the 2024 J.D. Power U.S. Bank Mobile App Satisfaction Study.
While Chase offers strong mobile banking, you'll need to be mindful of monthly service fees. Most of the accounts have ways to waive fees, but if you would prefer a fee-free bank account you might prefer another bank.
M&T Bank
None
None
$25
$100
Pros
Cons
M&T Bank is a solid option if you live near a branch and prefer in-person banking to online banking. It also offers CDs with fixed and variable rates.
- Around 1,000 branches in 12 US states and DC
- Over 1,600 free ATMs
- To receive $100 bonus, open a new account by June 30, 2025 and make at least $500 in qualifying direct deposits in the first 90 days; funds will appear in your account within 90 days of meeting the requirements; visit website or branch for promo code
- Link to a Relationship Savings account, and you won't pay a monthly fee on savings
- Member FDIC
M&T Bank ranks No. 1 in customer satisfaction for a regional bank, according to the 2024 J.D. Power U.S. Bank Mobile App Satisfaction Study.
M&T mobile banking lets you track spending and make budgets with M&T Money Smart. You'll also have access to many standard banking features. For example, you'll be able to view your account balances, make mobile check deposits, use Zelle, and manage any debit or credit cards.
The bank has over 700 branches in the U.S. but its locations are primarily on the East Coast.
Synchrony
Synchrony has a high-yield savings account with a strong interest rate.
You can manage your credit cards and bank accounts in the same app. Synchrony also has mobile check deposit, and it offers tips to help you learn about personal finance and managing your money.
Synchrony doesn't have a checking account.
What Makes a Great Mobile Banking App?
User Interface and Experience of Mobile Banking
Top-rated mobile banking apps are easy to navigate. You should be able to view your current account balance on your bank accounts and cards either right when logging in or through a widget feature. A strong mobile app will also let you manage your accounts and reach out to customer support with just a few taps. The app's interface should be organized, with tabs or a table of contents that clearly outlines where everything in the app is.
Security Features of Mobile Banking
Most mobile banking apps have multi-factor authentication. You can set up this feature by checking your app's settings. Mobile banking apps also have encryption so you can securely send money between bank accounts and to external bank accounts from other financial institutions. If you lose a debit or credit card, many mobile apps allow you to lock your card so it cannot be used.
Budgeting and Savings Tools of Mobile Banking
Budgeting and savings tools are another perk for many mobile banking apps.
Some banks, like Ally, have the features incorporated in the bank accounts. For example, some savings account have buckets so you can set individual savings goals.
Other banks offer tools to help see the bigger picture of your budgeting and spending. You might be able to create a monthly budget or get analysis of your monthly spending and cash flow.
Customer Support on a Mobile App
Many mobile banking apps will allow you to contact customer support straight through the app. You'll be able to send a secure message and a representative will reach out to you promptly. Some banks even have 24/7 customer service.
How to Choose the Right Mobile Banking App for You
When you're switching banks or opening a new bank account, a bank's mobile app can be an important factor that can help you distinguish whether a bank is the right fit for you.
When you're evaluating a mobile app, it's important to see what features are available and which aren't. For example, not every bank app has a mobile check deposit feature. It helps to figure out which features you prioritize most in your mobile banking experience. You can use that to narrow down some banking options.
Then, think about your overall banking experience — which bank accounts and services you want — to help you find the best bank for you.
Know that if you are unbanked you still have banking options that can meet your needs. For example, you can find bank account with you low minimum opening deposit requirements and minimal bank fees. If you've been denied from opening a bank account in the past due to your financial history, consider second chance bank accounts, which don't review your banking history.
Tips for Using Mobile Banking Apps Safely
Enabling Mobile App Security Features
To increase your mobile banking apps safety, make sure you review all the app's security features so you are familiar with how they work. If possible, use multi-factor authentication so that you can verify your login identity when you're signing into your account.
Monitoring Account Activity in Banking Apps
Reviewing your bank account balance is also important so you can detect any instances of fraud. Bank account fraud can happen if someone gets your account or card information and uses it to make unauthorized purchases.
It's important to notify your bank immediately when fraud happens, so that the bank can conduct an investigation. Timeliness can also impact how much money you may be liable for when an unauthorized transaction takes place.
Best Mobile Banking Apps FAQs
What are the best features to look for in a mobile banking app?
The best features to look for in a mobile app include user-friendly app structure, strong security features for cards and accounts, money management and budgeting tools and a secure message method to contact to customer support.
Can I use multiple mobile banking apps?
Yes, you can use multiple mobile banking apps if you bank with several different financial institutions.
Do mobile banking apps have fees?
Most banking apps are free when you have an account with the bank. But keep in mind that the accounts themselves could come with some fees. Some banks charge monthly service fees, unless you qualify to waive them. You could also pay fees for overdraft fees, ATM fees, or foreign transaction fees.
How do I ensure my data is secure on a mobile banking app?
You can ensure your data is secure on a mobile app by using two-factor authentication and setting a strong password. To make sure your accounts and cards are secure, also regularly review your mobile app so you can quickly respond to any instances of fraud.
What is the best mobile banking app?
We chose Ally, Bank of America, and Capital One 360 as having the best mobile banking apps, among other financial institutions.
Why You Should Trust Us: Experts' Advice on the Best Mobile Banking Apps
We consulted banking and financial planning experts to inform these picks and provide their advice on finding the best mobile banking app for your needs.
- Sophia Acevedo, banking editor, Business Insider
- Mykail James, MBA, certified financial education instructor, BoujieBudgets.com
Here's what they had to say about mobile banking apps. (Some text may be lightly edited for clarity.)
What should I look for in a mobile banking app?
Mykail James, MBA, certified financial education instructor, BoujieBudgets.com:
"What kind of push notifications do they offer? Do they offer push notifications for when you swipe your card or if money is deposited into your account? Also, what's the customer support like? Do they have a 24/7 phone number available? Emails? Do they have a chat box?"
Sophia Acevedo, banking editor, Business Insider:
"I think it's important for a mobile banking app to have mobile check deposit and features that help you understand your spending. Maybe there's a feature that can help you save for specific goals or track your cash flow."
What makes a strong mobile banking app?
Sophia Acevedo:
"I think strong mobile app should be as straightforward as possible. You should be able to easily navigate the app and utilize the features without running into any technical difficulties."
Mykail James, MBA, CFEI:
"One thing that I love for banks to do is when they offer a virtual debit card or credit card. Sometimes I don't always have a physical card with me. "
Methodology: How We Chose the Best Mobile Banking Apps
To choose our favorite banking apps, we only looked at apps with at least 5,000 reviews in both the Apple and Google Play stores. Then we narrowed it down to apps with strong average ratings in both stores.
We selected apps for banks that are available in a large chunk of the United States. This could mean that a bank has branches in multiple states, or that it operates online.
Our top picks have competitive products that set them apart from other institutions. For example, a bank may pay high interest rates, have tools to help you save money, or offer early direct deposit. Where applicable, we also looked at customer satisfaction ratings on J.D. Power surveys.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
Chime® Disclosures:
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
Early Pay: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
Round Up: Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.
SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
Qualifying Direct Deposit: The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Save When You Get Paid: Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
Once the retailer accepts your cash, the funds will be transferred to your selected Chime Account. Barcode and debit card cash deposits land in the Checking Account. Credit Builder card cash deposits first go through your Card Account and then land in your Secured Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.
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Maximum refund guarantee is provided by april or Column Tax. If you use april's service to prepare and file your return and you find an error in the tax preparation that entitles you to a larger refund (or smaller liability), you may use their service to amend that return at no additional charge. To qualify, the larger refund or smaller tax liability must not be due to differences or inaccuracies in data supplied by you, your choice not to claim a deduction or credit, positions taken on your return that are contrary to law, or changes in federal or state tax laws. See here for details. If you use Column Tax's service, Column Tax will reimburse you for up to $250 if you are able to pay less federal or state income tax or receive a larger federal or state income tax return by using another tax return preparation provider. Eligibility requirements apply. See terms for details.
If the april tax preparation software makes a mathematical error that results in your payment of a penalty and/or interest to the IRS that you would otherwise not have been required to pay, april will reimburse you up to a maximum of $10,000. See april terms for details. If interest and/or a penalty is imposed by the IRS as a result of a computational error by Column Tax, you may be entitled to up to $10,000 reimbursement by Column Tax. See Column Tax terms for details.
There are no fees required to use this product. Chime does not require you to deposit your refund into your Chime Account to qualify for free tax filing. Certain costs may be incurred if you decide to obtain other optional financial products offered in relation to your tax filing. The Internal Revenue Service (IRS) may impose penalties or other charges depending on your personal tax situation. If the april tax preparation software makes a mathematical error that results in your payment of a penalty and/or interest to the IRS that you would otherwise not have been required to pay, april will reimburse you up to a maximum of $10,000. See april terms for details. If interest and/or a penalty is imposed by the IRS as a result of a computational error by Column Tax, you may be entitled to up to $10,000 reimbursement by Column Tax. See Column Tax terms for details.
Chime does not guarantee timing of refund. Six day refund estimate is based on 2023 tax year filing data. Refund timing estimates are dependent upon timing of complete tax return submission and when the IRS submits your refund.
