9 Best Mobile Banking Apps: Functionality and Convenience To Manage Your Money
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
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.
Find Out: These Are the Best Banks of 2021 – Did Yours Make the Cut?
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.
Read More: Ally Bank Review — Competitive Rates for Online Customers
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 and free access to your FICO score. 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.
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.
Read Next: Capital One Review — Full-Service Menu and No Fees
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. You can also view up to 24 months of transactions or up to seven years of credit card and bank statements. Additionally, account alerts allow you to keep tabs on your finances and help you locate ATMs.
Related: Chase Bank Review — Is It the Right Bank for You?
5. BBVA USA Mobile Banking App
Cost: Free
Compatibility: iOS/Android
The BBVA USA mobile banking app allows you to manage your accounts, make transfers, pay bills, deposit checks and view balances. The bank’s six-time, award-winning app earned accolades for features like highly rated customer service and ease of use. For example, you do things like schedule a call back from customer service within the app or bank in English or Spanish due to the app’s bilingual capabilities.
Discover: BBVA Review: Low Maintenance Fees and Award-Winning Mobile App
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.
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.
Related: PNC Bank Review — Is It the Right Bank for You?
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.
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, which will allow you to do things like view transactions, account history and statements. You can also transfer funds, make mobile deposits, initiate bill payments or locate the nearest TD Bank of ATM.
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.
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Cynthia Measom contributed to the reporting for this article.
Last updated: Apr. 28, 2021
This article originally appeared on GOBankingRates.com: 9 Best Mobile Banking Apps: Functionality and Convenience To Manage Your Money
