Mobile banking apps have become commonplace, and institutions are constantly improving their offerings. The majority of internet banking apps have evolved into full-fledged mobile banking powerhouses. They offer many of the same bank account services as a traditional bank, but without the huge queues and wait times. See if your bank makes the cut on our list of the best mobile banking applications for February 2022.
- Bank of America: Best bank app virtual assistant
- Discover: Best online banking app
- Chime: Modern app
- Alliant Credit Union: Best credit union app
- USAA: Best military banking app
- Wells Fargo: Best bank app overall
- Chase: Best full-service banking app with in-app support
- Capital One: Best banking app to monitor your credit score
- PNC: Best banking app with budgeting tools
- Ally: Best online banking app to automate savings
- BMO Harris Bank: Easy-to-usse interface
- Varo Bank: Modern banking
Bank of America
Bottom line: Over the last century, Bank of America has seen a lot of technology come and go, and adaptation is in its DNA. This applies to its current mobile banking app, which has all of the bells and whistles you’d expect, such as credit card and bank account management from Bank of America.
The Bank of America app, on the other hand, takes things a step further by including Erica, a virtual financial assistant. Erica can assist you with your transactions, check your checking and savings account balances, and even provide you financial advice. This is in addition to standard services like money transfers, mobile bill pay, check deposits, and Zelle compatibility.
- iOS app rating: 4.8/5 stars
- Android app rating: 4.7/5 stars
- Cost: $0
Discover
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In the end, Discover consistently receives good marks for customer service, and its app is no exception. In reality, The Ascent’s greatest full-service bank app is Discover’s mobile banking app. This comprehensive app is simple to use and compatible with a variety of devices.
Discover’s mobile app gives you access to a variety of online banking options for both your bank accounts and Discover credit cards. You can, for example, create a basic “Quick View” that doesn’t require a full login. You may monitor account balances and transaction history, as well as transfer money, pay bills, and deposit checks, using the app. From the online banking app, you may monitor and send encrypted messages, make Zelle transfers, and manage all of your credit card needs.
- iOS app rating: 4.8/5 stars
- Android app rating: 4.5/5 stars
- Cost: $0
Chime
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The bottom line is that the once-scarce field of online-only banks has expanded. Chime, on the other hand, continues to stand out, thanks in part to its excellent mobile app. The app is both visually appealing and simple to use.
It offers a variety of useful services and features, such as account management and savings tools. Direct deposits can be accessed up to two days early for Chime customers. You can also use Chime’s Pay Friends, a free internal peer-to-peer transfer service that makes it simple to send money to other Chime users.
- iOS app rating: 4.8/5 stars
- Android app rating: 4.6/5 stars
- Cost: $0
Alliant Credit Union
In the end, Alliant Credit Union has consistently been voted the top credit union. Simply said, its wide range of low-to-no-fee account choices and cheap rates are among the finest of any credit union or bank. However, the company’s lead does not end with its product line. Users praise Alliant’s mobile app for its simplicity, ease of use, and extensive feature set for managing their money on the go.
- iOS app rating: 4.7/5 stars
- Android app rating: 4.6/5 stars
- Cost: $0
USAA
In the end, USAA has been assisting military personnel and their families for many years. Its mobile banking app upholds the company’s rich history and is our top pick for military mobile apps. Users can use secure login options including fingerprint, facial, or voice recognition to access their bank, credit card, and insurance accounts from anywhere in the world.
The fundamental capabilities, such as mobile deposits, bill pay, and Zelle transfers, are all available through the simple user interface. Users of USAA auto insurance can access ID cards and file claims. Credit cardholders can check out special deals, track due dates, and make payments.
- iOS app rating: 4.8/5 stars
- Android app rating: 4.5/5 stars
- Cost: $0
Wells Fargo
Bottom line: Wells Fargo is an old bank with some new tricks up its sleeve. All of the tools you need are there at your fingertips, including the option to manage all of your Wells Fargo accounts (bank, credit cards, and investments) in one location.
You’ll have access to all of the features found in our other top mobile bank app recommendations. Bill pay and Zelle transfers are available, as well as financial tools including stock trading and fund analysis. You can freeze your cards immediately to prevent illegal access and use extra-secure sign-in methods such as fingerprint or facial recognition. It also comes with a useful function for peer-to-peer payments via Zelle.
- iOS app rating: 4.8/5 stars
- Android app rating: 4.7/5 stars
- Cost: $0
Chase
If you enjoy rewards credit cards, you most likely have at least one Chase card. Fortunately, Chase’s mobile app makes managing all of your Chase accounts a breeze. From the same mobile app, you may securely access your Chase credit card and banking accounts. For added security, you can use facial recognition or fingerprint sign-in.
You may use the app to check accounts, make payments, deposit checks, and send and receive money using Zelle. Users of Chase credit cards may keep track of their transactions, get cash back or Ultimate Rewards, and add the most recent Chase promotions to their favorite card. Chase’s in-app 24/7 customer service is a key distinction that people praise.
- iOS app rating: 4.8/5 stars
- Android app rating: 4.4/5 stars
- Cost: $0
Capital One
In conclusion, Capital One’s mobile banking app is a fully functional online banking experience. It combines account management for checking, savings, loans, and Capital One credit cards into a single app. Account activity can be viewed, bills may be paid, cheques can be deposited, and payments can be made. Account notifications can be set up, and new credit or debit cards can be activated.
Customers with Capital One credit cards may view and redeem rewards, and all customers with Capital One can check their Creditwise credit scores. For peer-to-peer transfers, the app is also compatible with Zelle. You may use the mobile app to freeze your debit and credit cards for added security. For secure logins, you can also employ fingerprint and SureSwipe technologies.
- iOS app rating: 4.8/5 stars
- Android app rating: 4.6/5 stars
- Cost: $0
PNC
Bottom line: The PNC app compares well to those of larger banks in terms of many of the features you desire in an online banking app. Mobile bill pay, Zelle transfers, and account management are all available. You’ll also find a number of security measures, such as fingerprint and facial scanning, for logging in.
PNC’s additional personal finance tools are what really set the PNC banking app apart. You can use the app to track your expenditures, set up a future payments calendar, and even create a budget. The smart software will show you how much money you have available based on known invoices and spending, and will warn you if you’re about to overdraw your account.
- iOS app rating: 4.8/5 stars
- Android app rating: 4.5/5 stars
- Cost: $0
Ally
Bottom line: Ally Bank was one of the first online-only banks, and it remains popular due to its low costs and extensive features. It also boasts one of the most user-friendly mobile banking applications. Ally’s top online banking app includes all of the features you’d expect, such as account management, account transfers, mobile check deposits, and Zelle integration.
You can also use the features to automate your savings, regulate your debit card, and send secure messages. Users with investment accounts may find that certain of the app’s capabilities are limited, based on Android app reviews. Users of savings and checking accounts, on the other hand, give the app good scores.
- iOS app rating: 4.7/5 stars
- Android app rating: 3.8/5 stars
- Cost: $0
Varo Bank
Varo is an online-only bank that is relatively new to the market. Its purpose is to make banking more accessible to the general public. Varo is a robust banking app that appears to be generally praised, with good ratings from both Android and iOS users.
The program offers a simple interface with simple navigation. It includes most of the expected features, such as balance reporting, cash back monitoring, in-app check deposits, and a number of phone notification choices. Direct Zelle compatibility is a major flaw. Instead, users can only send money to other Varo users with ease.
- iOS app rating: 4.7/5 stars
- Android app rating: 4.7/5 stars
- Cost: $0
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