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Best Mobile Banking Apps • Benzinga
Benzinga's top picks for the best online and mobile banking apps for this month include Chime and Chase.
Mobile banking apps have revolutionized personal finance management by offering an incredible level of convenience and accessibility. Users have moved past the cumbersome processes of traditional banking, now able to complete transactions like transferring funds, tracking spending or using mobile check deposit from the comfort of their own homes or on the go. Furthermore, as technology progresses, we can anticipate even more innovative features, including robust security enhancements, personalized budgeting assistance, and AI-driven financial planning tools. This evolution not only streamlines everyday financial tasks but also empowers individuals to actively manage and improve their financial health, making it easier than ever to stay on top of one's economic goals.
Let's explore the top online and mobile banking apps that are setting the standard for modern-day banking convenience.
Quick Look at the Best Mobile Banking Apps: Best Mobile Banking AppsHere are Benzinga's top picks for the best mobile and online banking apps for this month. Compare features and benefits to find out which one suits you best!
1. Best Online Banking App: ChimeChime is one of the first online banks that has since expanded its offerings. However, you can start with a checking or savings account that makes it easy for you to manage your money. You can get paid early, there are no overdraft and monthly fees, and the mobile app will notify you any time something is happening with your account.
With Chime mobile app, you can stay with the platform and get credit cards or loans that will help improve your financial position that much more.
Why We Picked It: We love Chime's online banking app because of its user-friendly interface, innovative features, convenience and transparency. Whether you're looking to save money, stay organized or simply manage your finances more effectively, Chime is worth considering as your mobile banking app of choice.
2. Best for Combo Checking and Savings Account: SoFiSoFi, short for Social Finance, is a leading personal finance company that aims to help individuals achieve financial independence. SoFi also offers a variety of financial products and services, including high-yield checking and savings accounts, SoFi personal loans, student loan refinancing, investment accounts and retirement planning tools. The platform prioritizes security with multiple layers of security measures.
SoFi mobile banking app serves as a one-stop solution for all your banking and financial needs. With features like credit or debit card lock, mobile check deposits, bills payment and budgeting tools, SoFi mobile banking app is designed to make managing your money as seamless and straightforward as possible.
Why We Picked It: We love SoFi mobile banking app because of its simplicity and ease of use. The app interface is clean, intuitive and easy to navigate, making it a breeze for users to manage their finances on the go.
3. Best Full-service Banking App: Chase BankChase's online banking app appeared in 2010, so the company has had over 10 years to fine-tune it. With well over a million reviews on the Google Play Store, Chase mobile app rates 4.4 stars from over 1.7 million user reviews, making it a safe bet.
The bank has managed to match up the app with thousands of locations across America ATMs on Disney properties for those vacationers who need a little extra cash they forgot at home.
The Chase mobile banking app has a simple user interface and automatically populates with the accounts you need to see so that you can check balances in a flash. If you need more information, you can click on the account and read the transaction history. With its free online banking app, you can reach the customer service team, set up bill pay, transfer money with Zelle and much more.
Chase has also included a product known as CreditWise that makes it simple to review your credit reports and learn how you can improve your credit score.
Why We Picked It: Chase Bank mobile app offers a range of helpful features that make managing your money easier than ever. From setting up alerts for account activity to tracking your spending habits with personalized insights, Chase provides tools to help you stay on top of your finances.
4. Best for Credit Monitoring: Capital OneCapital One is a leading player in the banking industry which offers a comprehensive suite of banking services tailored to meet the diverse needs of individuals and businesses alike. They prioritize digital banking, providing a user-friendly mobile app and online platform for easy access and management of accounts.
Capital One provides a variety of financial services for customers, including Capital One credit cards, bank accounts, home loans, auto loans, credit cards and specialized options for students, small business owners and premium banking.
Why We Picked It: We love Capital One mobile app because of its credit monitoring capabilities. With just a few taps on your mobile device, you can easily access your credit score and receive real-time alerts about any changes to your credit report.
5. Best for Security: Bank of AmericaThe Bank of America mobile app not only offers essential features commonly found in other online banking apps, such as account management, mobile check deposit and bill payments, but also includes distinct functionalities that enhance user experience and financial management. One of its standout features is a built-in spending tracker and budgeting tool, designed to empower users to gain better control over their finances by providing insights into their spending habits. Additionally, the mobile app incorporates a security meter that evaluates account security and recommends steps to mitigate fraud risks, which instills confidence in users about their financial safety.
Bank of America mobile app, which is available for download on both Google Play and App Store, also features a virtual assistant named Erica. It assists users with locating transactions, managing bills and providing personalized insights into spending patterns. This makes your online banking experience not only more efficient but also more interactive and user-friendly.
Why We Picked It: Bank of America's dedication to security, combined with its user-friendly interface, makes it a top choice for those prioritizing the safety of their online banking transactions while on the go.
6. Best for Traveling Abroad: DiscoverDiscover offers a diverse range of products and services tailored to meet the needs of both individuals and businesses. Whether you need a basic checking account, a high-yield savings account or a credit card with attractive rewards, Discover has you covered. It also provides personal loans, home equity loans and student loans with competitive rates and flexible repayment terms.
Discover offers a convenient and advanced mobile and online banking experience for its customers. With a user-friendly website and mobile app, customers can easily manage accounts, pay bills, deposit checks and track expenses. Plus, you can check your FICO credit score and redeem your credit card rewards directly through the mobile app. Additionally, iPhone users have the option to add their Discover cards to their Apple Pay Wallet right from the app.
Why We Picked It: Discover Mobile offers numerous features for tracking spending, making payments in multiple currencies, and managing credit card and bank accounts. This makes it an ideal choice for travelers to conveniently handle their finances while abroad.
7. Best Credit Union App: Alliant Credit UnionAlliant Credit Union is a trusted and reliable financial institution that offers numerous benefits and services to its members. As a member-owned institution, it provides accessible financial services to individuals nationwide. Alliant prioritizes exceptional customer service and offers competitive rates on a wide range of financial products. With state-of-the-art digital banking solutions, members can conveniently manage their accounts and access financial resources.
Alliant Credit Union also demonstrates a commitment to community engagement through its Alliant Member Giveback program.
Why We Picked It: Alliant Credit Union mobile app offers a seamless banking experience with a wide range of features and functionalities to make managing your finances easier than ever.
8. Best Military Banking App: USAAEstablished in 1922, USAA Bank was initially created to cater exclusively to members of the United States military. Over the years, however, it has expanded its services to include veterans, military-affiliated individuals, and their families. Today, USAA Bank serves millions of customers nationwide with top-notch financial services tailored to meet the unique needs of the military community.
From traditional banking products like checking and savings accounts to credit cards, loans and insurance, USAA mobile app offers a comprehensive suite of financial solutions. In addition, it has embraced technology and digital banking, providing customers with convenient mobile and online banking services that allow for seamless transactions and easy access to their accounts.
USAA Bank's commitment to its customers extends beyond banking services. The bank collaborates with organizations focused on veteran employment, financial education and military family support, showing their dedication to giving back to the military community.
Why We Picked It: USAA mobile app stands out as the best choice for military banking due to its secure and trusted platform, convenient access to accounts, military-specific features, excellent customer service, and comprehensive financial planning tools. If you are a military member or family looking for a reliable online banking app, the USAA app is definitely worth considering.
Why Use Mobile Banking Apps?The thought of downloading one more app on your mobile phone may sound daunting, but think of the advantages online bank apps can offer — they're great for tracking deposits, bill payments, checks, and more. Here are some reasons they're a great idea, just in case you're on the fence.
It's easy to download a banking mobile app. Go to the Google Play Store for Android users or Apple App Store for iOs users or visit your bank's website and search for a link to download the mobile app. Once downloaded on your smartphone, you can easily set up your username and password.
After it's downloaded, you can access your banking information by tapping the app icon and logging in. In most cases, you should be able to save your login information so you can log in with just one tap on your mobile phone using your fingerprint or face ID.
Once you're logged in, you can select different functions from the menu, such as "Check your Balance," "Pay Someone," "Pay a Bill," "Download a Statement," "Transfer Money" and much more.
How to Choose the Best Mobile and Online Banking AppsHere are some features of the best mobile banking apps that set them apart from the rest.
Yes, banking apps are generally safe. These apps are FDIC-insured, ensuring your money stored online is protected. They have advanced security features such as encryption and two-factor authentication to protect users' sensitive information. However, it is important to download the official mobile app from a trusted source and regularly update their devices to safeguard against potential vulnerabilities. It is also recommended to use strong and unique passwords for online banking apps and avoid accessing them through public Wi-Fi networks. Overall, while no system is completely foolproof, mobile banking apps are designed with security in mind to provide a safe and convenient way for users to manage their finances.
Best Mobile Banking Apps: Top Picks For 2025 - Business Insider
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.
Top Mobile Banking Apps for May 2025These 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 ReviewsThe 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.
AllyAlly Spending Account
Insider's RatingA five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.75/5Fees
no monthly service fee
Annual Percentage Yield (APY)
0.10% to 0.25%
Minimum Opening Deposit
$0
ProsThrough 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.
Ally Bank Review
Bank of AmericaBank of America Advantage Plus Checking Account
Insider's RatingA five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
3.75/5It indicates a confirmed selection.
PerksFees
$12 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$100
ProsBank 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.
Bank of America Review
Capital OneThe 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.
Capital One 360 Review
Charles SchwabSchwab Bank High Yield Investor Checking® Account
Insider's RatingA five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.5/5Fees
no monthly service fee
Annual Percentage Yield (APY)
0.05%
Minimum Opening Deposit
$0
ProsCharles 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.
Charles Schwab Review
ChaseChase Total Checking®
Insider's RatingA five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4/5It indicates a confirmed selection.
PerksFees
$12 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
ProsThere 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 review An arrow icon, indicating this redirects the user." Product DetailsThrough 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.
Chase Bank Review
M&T BankM&T Bank EZChoice Checking
Insider's RatingA five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.25/5It indicates a confirmed selection.
PerksAnnual Percentage Yield (APY)
None
Minimum Opening Deposit
$25
ProsM&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.
Product DetailsM&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.
M&T Bank Review
SynchronySynchrony 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.
Synchrony Bank Review
What Makes a Great Mobile Banking App? User Interface and Experience of Mobile BankingTop-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 BankingMost 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 BankingBudgeting 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 AppMany 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 YouWhen 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 FeaturesTo 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 AppsReviewing 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 FAQsThe 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.
Yes, you can use multiple mobile banking apps if you bank with several different financial institutions.
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.
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.
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 AppsWe consulted banking and financial planning experts to inform these picks and provide their advice on finding the best mobile banking app for your needs.
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 AppsTo 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.
Sophia Acevedo
Banking Editor
Sophia Acevedo was a banking editor at Business Insider. She has spent three and a half years as a personal finance journalist and is an expert across numerous banking topics. ExperienceSophia led Personal Finance Insider's banking coverage, including reviews, guides, reference articles, and news. She edited and updated articles about banks, checking and savings accounts, CD rates, budgeting, and general saving. Sophia was also a part of Business Insider's 2024 series "My Financial Life," which focused on telling stories that could help people live and spend better.She's also covered the the following stories during her time at Business Insider: Sophia has spent seven and a half years writing and editing as a journalist. She began her journalism career at her college newspaper, where she took on various roles.Sophia was nominated for an Axel Springer Award for Change in 2023 for her coverage of ABLE Accounts, tax-free savings accounts for people with disabilities. She was also a winner of a 2018 California Journalism Awards Campus Contest for her photography.She loves helping people find the best solutions for their unique needs and hopes that more people will find the tools to solve their financial problems. She's inspired by stories of everyday people adapting to their financial circumstances and overcoming their fears around money.ExpertiseSophia's expertise includes:Evelyn He
Compliance and Operations Associate
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.
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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
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