Best Mobile Banking Apps for February 2025

Whether you prefer online or phone banking or like to bank in person, you'll probably use your bank's mobile app at least occasionally. The best mobile banking apps let you do many of the same things you can do with in-person banking, such as as checking your balance, paying your credit card bills, and transferring money. We've surveyed many nationwide mobile banking apps from banks and credit unions and listed those with the best ratings.

Get paid up to 2 days early with direct deposits no monthly service fee None $0 Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark icon A check mark.



It indicates a confirmation of your intended interaction. No monthly service fees Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Receive your paycheck up to 2 days early Check mark icon A check mark. It indicates a confirmation of your intended interaction. Rounds debit card purchases up to the nearest dollar and puts spare change in your Chime Savings Account Check mark icon A check mark.

It indicates a confirmation of your intended interaction. No overdraft fees for overdrafts up to $200 with SpotMe®, if you qualify Check mark icon A check mark. It indicates a confirmation of your intended interaction.

No foreign transaction fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. Request checks be sent to recipients online Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Can deposit cash at select retailers con icon Two crossed lines that form an 'X'. $2.

50 out-of-network ATM fee con icon Two crossed lines that form an 'X'. No overdraft protection for overdrafts exceeding $200 con icon Two crossed lines that form an 'X'. No physical checkbook 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. Get paid up to 2 days early with direct deposits 60,000+ 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 February 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.

no monthly service fee 0.10% to 0.25% $0 N/A Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Spending buckets to manage expenses Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Competitive APY Check mark icon A check mark. It indicates a confirmation of your intended interaction. No initial deposit Check mark icon A check mark.

It indicates a confirmation of your intended interaction. No minimum account balance Check mark icon A check mark. It indicates a confirmation of your intended interaction.

No monthly service charge Check mark icon A check mark. It indicates a confirmation of your intended interaction. Connect your account with Zelle Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Easy-to-use mobile app Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Early direct deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reimburses up to $10/month in out-of-network ATM fees Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Online bill pay Check mark icon A check mark. It indicates a confirmation of your intended interaction.

24/7 customer service Check mark icon A check mark. It indicates a confirmation of your intended interaction. No overdraft fees Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Overdraft protection con icon Two crossed lines that form an 'X'. No physical branch locations con icon Two crossed lines that form an 'X'.

No way to deposit cash 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 SkillTM 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. Ally Bank Review Earn $300 bonus for new customers who open a new eligible personal checking account online with qualifying activities (offer expires May 31, 2025) $12 monthly service fee None $100 $300 Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Multiple ways to waive monthly service fee Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Link to savings for free overdraft protection con icon Two crossed lines that form an 'X'. $100 minimum opening deposit con icon Two crossed lines that form an 'X'. $12 monthly service fee con icon Two crossed lines that form an 'X'.

$10 overdraft fee con icon Two crossed lines that form an 'X'. $2.50 out-of-network ATM fee 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. Bank of America Review Earn $250 when you open a checking account using the code CHECKING250 and receive at least 2 direct deposits, each of $500 or more, within 75 days of account opening no monthly service fee See website for details $0 $250 Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Earn interest on all account balances Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit or minimum account balance Check mark icon A check mark.

It indicates a confirmation of your intended interaction. No monthly service fee Check mark icon A check mark. It indicates a confirmation of your intended interaction.

No foreign transaction fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. Range of overdraft protection options Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Processes direct deposits up to 2 days early con icon Two crossed lines that form an 'X'. Doesn't reimburse out-of-network ATM fees con icon Two crossed lines that form an 'X'.

Limited access to customer service by phone Capital One is a strong bank overall. You'll earn competitive interest rates on online savings accounts and CDs. Earn $250 when you open a new account with promo code CHECKING250 and receive at least 2 direct deposits, each of $500 or more, within 75 days of account opening Over 70,000 free ATMs nationwide Branches in NY, LA, TX, MD, VA, NJ, and Washington, DC Interest compounded daily, paid monthly FDIC insured 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.

Capital One 360 Review no monthly service fee 0.05% $0 Check mark icon A check mark. It indicates a confirmation of your intended interaction.

No opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum account balance Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Unlimited out-of-network ATM reimbursements Check mark icon A check mark. It indicates a confirmation of your intended interaction.

No foreign transaction fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free overdraft protection con icon Two crossed lines that form an 'X'.

No way to deposit cash 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.

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. Charles Schwab Review Earn $300 bonus when you open an account and make direct deposits totaling $500 or more within 90 days of coupon enrollment (offer expires on 4/16/2025) $12 monthly service fee None $0 $300 Check mark icon A check mark. It indicates a confirmation of your intended interaction.

No required opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. Over 4,700 branches Check mark icon A check mark.

It indicates a confirmation of your intended interaction. $300 sign-up bonus Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Free overdraft protection when you link to savings for automatic transfers con icon Two crossed lines that form an 'X'. $12 monthly fee unless you meet direct deposit or minimum balance requirements con icon Two crossed lines that form an 'X'. Fees for non-Chase ATMs con icon Two crossed lines that form an 'X'.

$34 overdraft and non-sufficient funds fees (no fee if you're overdrawn by $50 or less at the end of the business day) 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.

New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.

Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device. JPMorgan Chase Bank, N.A.

Member FDIC Open your account online now Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.

com. Chase Overdraft AssistSM – 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* 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. Chase Bank Review Earn $100 bonus when you make qualifying direct deposits totaling at least $500 within 90 days of account opening (offer expires February 28, 2025).

None None $25 $100 Check mark icon A check mark. It indicates a confirmation of your intended interaction. You may qualify for a $100 sign-up bonus Check mark icon A check mark.

It indicates a confirmation of your intended interaction. $25 minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction.

No monthly fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free paper and electronic statements Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Unlimited check writing Check mark icon A check mark. It indicates a confirmation of your intended interaction.

Only charges 1 overdraft fee per day Check mark icon A check mark. It indicates a confirmation of your intended interaction. No overdraft protection fee if you set up a savings account for overdraft transfers con icon Two crossed lines that form an 'X'.

$3 out-of-network ATM fee con icon Two crossed lines that form an 'X'. $15 overdraft fee con icon Two crossed lines that form an 'X'. $8 overdraft protection fee when you use funds from your M&T credit card or an overdraft line of credit 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 February 28, 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. M&T Bank Review Earn 4.10% Annual Percentage Yield (APY).

$0 minimum deposit. FDIC Insured. no monthly service fee 4.

10% $0 Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark icon A check mark.

It indicates a confirmation of your intended interaction. Comes with an ATM card Check mark icon A check mark. It indicates a confirmation of your intended interaction.

No required opening deposit or minimum account balance Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fee con icon Two crossed lines that form an 'X'.

No physical branch locations con icon Two crossed lines that form an 'X'. Only reimburses up to $5 of out-of-network ATM fees per month With a high rate and no fees, the Synchrony High Yield Savings Account is a great option for savers. But if you want to open a checking account to do all of your banking at one place, you may want to consider one of the best online banks instead.

Access your cash online, by phone or via ATM Manage your accounts from virtually anywhere in the Synchrony app No minimum balance Interest compounded daily, paid monthly FDIC insured Annual Percentage Yield (APY) is subject to change at any time without notice. Offer applies to personal accounts only. Fees may reduce earnings.

For High Yield Savings accounts, the rate may change after the account is opened. Visit synchrony.com/banking for current rates, terms and account requirements.

Member FDIC. 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. Synchrony Bank Review What Makes a Great Mobile Banking App? 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.

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 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.

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 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. 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 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. Yes, it is safe to use a mobile app for banking as long as the financial institution you're using is trustworthy. Your money is still FDIC- or NCUA-insured no matter where you bank from, and reputable banks have security protocols that apply to mobile banking too.

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 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.

" 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.

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