BEST OF

Mobile Banking: 7 Best Banks and Credit Unions of 2022

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Before the COVID-19 outbreak, the American Bankers Association reported that 33% of bank customers used mobile apps as the primary way to manage their bank accounts. During the pandemic, the number has grown to 44%. If you’re among that large group of people who want to access their bank accounts from a mobile device, it’s important to know which banks and institutions make it easy to do that.

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.

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.

Mobile banking: Best banks and credit unions of 2022

  • Capital One 360

  • Synchrony Bank

  • Varo

  • Ally

  • PNC Bank

  • Alliant Credit Union

  • Connexus Credit Union

Mobile Banking: 7 Best Banks and Credit Unions

Our pick for

Mobile banking apps from online banks

NerdWallet rating 

4.5

/5
Capital One
NerdWallet rating 

5.0

/5
Synchrony Bank
NerdWallet rating 

4.5

/5
Varo Bank
NerdWallet rating 

5.0

/5
Ally Bank

Our pick for

Mobile banking apps from a big bank

NerdWallet rating 

4.0

/5
PNC

Our pick for

Mobile banking apps from a credit union

NerdWallet rating 

4.5

/5
Alliant Credit Union
NerdWallet rating 

4.5

/5
Connexus Credit Union

Last updated on April 4, 2022

Methodology

We took a close look at over 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 Mobile Banking: 7 Best Banks and Credit Unions of 2022

Frequently asked questions