9 Best Mobile Banking Apps: Functionality and Convenience To Manage Your Money

Find the best banking app for banking on the go.

By Sabah Karimi April 24, 2020 Find a Bank

Mobile banking apps enable you to easily perform many of your banking functions from your phone or tablet. Whether you need to deposit checks, pay bills or check your account balance at your financial institution, don’t miss the chance to get the job done in just a few screen taps with some of the best banking apps available.

Here’s a quick preview of what you’ll find in this guide to free mobile banking apps — in case you want to jump ahead:

9 Best Mobile Banking Apps and Services
Managing Your Finances With a Mobile Banking App

9 Best Mobile Banking Apps and Services

A great app might be at the top of your priority list for choosing a big bank or credit union if you want to bank on the go. Stay on top of banking technology — here are 9 mobile apps and mobile banking services to consider right now.

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1. Ally Mobile Banking App

Cost: Free
Compatibility: iOS/Android

The Ally Bank mobile bank app and web application enable you to make deposits with Ally eCheck Deposit, pay your bills and transfer money between Ally and non-Ally accounts. You can also use Popmoney to pay anyone who has a U.S. bank account and use the app to find ATMs in your area. If you have questions about your account or want to schedule a payment or transfer, you can use AllyAssist to get help.

Bank of America financial services app on bed

2. Bank of America Mobile Banking App

Cost: Free
Compatibility: iOS/Android

Use this secure app to access your Bank of America and Merrill Edge accounts. It offers perks such as credit card rewards redemption options, free access to your FICO score and a Spanish language setting. You can deposit checks using your smartphone camera, so a trip to the bank teller or ATM is no longer necessary. And if you’re out shopping, you can access BankAmeriDeals cash-back offers available near you through the app.

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Check Out: Bank of America Review — Online and In-Person Convenience

3. Capital One Mobile Baking App

Cost: Free
Compatibility: iOS/Android

You can find an ATM in your area, make a deposit or pay a bill through the Capital One Mobile app, which is compatible with Touch ID and SureSwipe technology for fast interactivity. The app is available for Apple Watch if you want to check your accounts on your wrist instead, and you can monitor your credit score for free with CreditWise.

4. Chase Mobile Banking App

Cost: Free
Compatibility: iOS/Android

View account balances, make Chase payments, transfer funds and deposit checks using your mobile device with the Chase Mobile app. Chase QuickPay lets you send and receive money from anyone enrolled in the service and wire money to and from non-Chase accounts in the U.S. Additionally, account alerts allow you to keep tabs on your finances and help you locate ATMs.

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5. Simple Mobile Banking App

Cost: Free
Compatibility: iOS/Android

The Simple mobile banking app helps you create and stick with your budget by setting up goals with digital envelopes and keeping tabs on your “safe to spend” limit — an alternative to checking your available balance that’s calculated by assessing your goals, upcoming bill payments and any pending transactions — to help you avoid overspending. You can link this app to your Simple Visa card to lock the card from your phone if you lose it. Other perks include free instant transfers and photo check deposits.

Find Out More: Simple Bank Review — No Fees and Helpful Budget Tools

6. Wells Fargo Mobile Banking App

Cost: Free
Compatibility: iOS/Android

With just a few taps, you can access your accounts, transfer funds, pay bills, review balances and send or receive money using Wells Fargo mobile banking. The app also makes it easy to find an ATM in your area when you need quick cash. Plus, when you need account information, you won’t have to hassle with logging in to the main website or calling the bank. Instead, you can see your detailed account activity right from the app.

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See: Wells Fargo Personal Banking Review — Find Out If It’s Right for You

7. PNC Mobile Banking App

Cost: Free
Compatibility: iOS/Android

Use the PNC mobile app to send money to friends and family directly from your account. When you deposit an approved check from your mobile phone, PNC Express Funds gives you the option, for a fee, to make the full amount available immediately for withdrawals and purchases. Sign up for mobile alerts for a notification when a direct deposit is received and to track your debit and credit card activity.

8. Discover Bank Mobile Banking App

Cost: Free
Compatibility: iOS/Android

Functionality is key with the Discover Bank mobile banking app. Set up a four-digit passcode or fingerprint ID to quickly log in to the app and take care of banking tasks. You can also check account balances and activity without logging in by using the quick-view feature. Other mobile app functions include allowing you to find the nearest free ATM or deposit checks. And to pay bills when you’re out, you can use the app to conveniently schedule and confirm payments.

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Find Out: The Fee-Free Features Worth Checking Out at Discover Bank

9. TD Bank Mobile Banking App

Cost: Free
Compatibility: Any web browser

You can manage all your TD Bank accounts with the bank’s secure mobile banking app or use the mobile banking services online. TD’s online banking enables you to view account balances, pay bills, set up text alerts, transfer money and switch to paperless statements. You can also link your accounts to Quicken and QuickBooks to balance your budget.

Learn More: TD Bank Review — Convenience, Selection, Service

Managing Your Finances With a Mobile Banking App

Whether you use your banking app simply to keep an eye on your balance, or if you need it for balancing out your budget between expenses and credits, one or several of these institutions and apps could be useful. You may even end up switching your primary bank based on app functionality alone.

Some of the advantages of mobile banking include free access to your accounts and the ability to access customer support and card-activation services with a few clicks or screen swipes. Or you can make use of desktop functionality features to access your accounts online on your schedule — no teller required.

Click through to read more on 9 apps every type-A person needs to manage their finances.

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