Mobile banking can give you access to banking services whenever and wherever you want them. Using an app or website on your phone or tablet, you can complete several tasks, including checking your account balance, finding nearby ATMs and depositing a check with a quick 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.
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Best big banks
Capital OneCapital One isn’t just home to highly rated checking and savings accounts, it has a robust and well-loved mobile banking platform, too. The app has all the standard functions of mobile banking, like mobile check deposit and ATM and branch locators. But it also lets you add a layer of security with Touch ID or SureSwipe, and make auto and home loan payments. The iOS version even lets you check your credit score. Both iOS and Android users give Capital One high star ratings.
Best online bank
DiscoverDiscover is an online-only bank, customers should expect to access their accounts from their mobile devices often. High ratings on Android and iOS indicate that Discover’s 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 smooth card use. That’s in addition to basic mobile banking services like bill pay and mobile check deposit. You can open a checking account at Discover only if you have another type of account with the bank.
Best mobile-only bank
SimpleSimple gets good user reviews for its Android and iOS apps. Although it currently offers only a checking account, it comes with perks. It’s completely fee-free, for starters. You also can set savings goals right in the app. Its Safe-to-Spend feature lets you know how much you have left after taking into account your savings goals, bill payments and pending transactions. That’s a step up from the usual “available balance” found on other apps.
Best credit union
Alliant Credit UnionAlliant’s app checks all the usual boxes: ATM locator, transaction history, bill payments and notifications. But it dominates when it comes to mobile depositing and money management tools. There’s an unusually high daily limit of $50,000 for depositing checks through the app. And the charts and graphs in the money management tool let users analyze their spending habits and keep tabs on budget categories.
Verified Feb. 2, 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.