Mobile banking can give you access to banking services whenever and wherever you want them. With a bank’s app or website on your phone or tablet, you can complete many common tasks, including checking your account balance, finding nearby ATMs and depositing a check by snapping a photo. Some sophisticated apps even allow you to check your credit score or freeze spending on your bank cards when you misplace them.
Here’s a list of the banks and credit unions with the best mobile banking experiences.
Best big banks
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Best online bank
With only one branch, Discover is primarily an online bank, so customers should expect to access their accounts from their mobile devices often. Fortunately, Discover’s highly-rated Android and iOS apps don’t disappoint. You can check your credit score, freeze and unfreeze your account if you misplace your Discover debit or credit card, and notify Discover when you travel to ensure ongoing card use. That’s in addition to basic mobile banking services like bill pay and mobile check deposit. If you want to open a checking account at Discover, however, you’ll need to first have another type of account with the bank.
Best mobile-focused bank
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Best credit union
Alliant Credit Union
Updated Nov. 7, 2017.
We looked at the 15 largest banks by assets and eliminated those without a significant retail banking presence. We also included financial institutions in the country’s five largest metro areas and several of the largest online-only banks that offer a full suite of checking and savings products. We rounded off the list with some of the country’s biggest credit unions with broad-based membership requirements. Financial institutions surveyed: Alliant Credit Union, Ally, Bank of America, Bank5 Connect, BB&T, BBVA Compass, BMO Harris Bank, Capital One 360, Chase, Citibank, Connexus Credit Union, Consumers Credit Union, Discover Bank, HSBC, Nationwide, Navy Federal Credit Union, Pentagon Federal Credit Union, PNC, SunTrust, TD Bank, Union Bank, U.S. Bank and Wells Fargo. We also looked at mobile apps Moven and Simple.