BEST OF

Best Banks and Credit Unions for Mobile Banking

Ruth Sarreal
By Ruth Sarreal 
Edited by Yuliya Goldshteyn

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In 2019, the Federal Deposit Insurance Corp. reported that 34% of banked households (households with a checking or savings account) used mobile banking as the primary way of accessing their bank accounts

. In 2022, it grew to nearly 72% . If you’re part of that large group of people who want to access their bank accounts from a device, it’s important to know which banks and institutions make it easy to do that.

The best mobile banking providers give you access to financial services anytime you want. Using banking apps on your phone or tablet — or using a bank's website — you can complete many common tasks, including checking your account balance, finding nearby ATMs and depositing a check by snapping a photo.

Here are banks and credit unions with the best mobile banking experiences. To compare a wider range of banks on more than just their mobile apps, see our roundup of best banks and credit unions.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial accounts that work best for you. See our criteria for evaluating banks and credit unions.

Mobile banking: Best banks and credit unions of 2023

  • Alliant Credit Union

  • Ally Bank

  • Capital One 360

  • Discover® Bank

  • SoFi

  • Synchrony

Discover the bank accounts that fit your financial goals
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Best Banks and Credit Unions for Mobile Banking

Our pick for

Mobile banking at a credit union

NerdWallet rating 

4.5

/5
Alliant Credit Union

Our pick for

Mobile banking at a bank

NerdWallet rating 

5.0

/5
Ally Bank
NerdWallet rating 

4.5

/5
Capital One
NerdWallet rating 

4.5

/5
Discover® Bank
NerdWallet rating 

5.0

/5
SoFi Bank, N.A.
NerdWallet rating 

4.5

/5
Synchrony Bank

Last updated on February 10, 2023

Methodology

We took a close look at nearly 80 financial institutions and financial service providers, including the largest U.S. banks based on assets, internet search traffic and other factors; the nation’s largest credit unions, based on assets and membership; and other notable and/or emerging players in the industry. We rated them on criteria that include annual percentage yields, minimum balances, fees, digital experience and more.

To recap our selections...

NerdWallet's Best Banks and Credit Unions for Mobile Banking

Frequently asked questions