Best of 19 online banking apps on mobile Android, iPhone

Managing your money shouldn't feel like a chore. That's why we've rounded up the best online banking apps for Android and iPhone. Whether you're looking for a simple way to check your balance, transfer funds, or dive deeper into your spending habits, these apps have you covered. You'll also find a range of features like bill pay, budgeting tools, and even investment options.

We tested dozens of apps, but three stand out from the crowd. Bank of America Mobile Banking is a great choice for those with a Bank of America account, offering a seamless experience with lots of helpful tools. Chase Mobile provides a user-friendly interface and powerful features for managing your finances. And if you're looking for a truly modern banking experience, Monzo is a great option with innovative features like instant notifications and flexible spending tools.

App Logo Available On Reviews Downloads Features
1. Bank of America Mobile Banking Bank of America Mobile Banking Icon Android, iOS 4.8/5 48M+ Erica virtual assistant, Touch ID / Face ID login, Photo check deposit
2. Chase Mobile Chase Mobile Icon Android, iOS 4.8/5 51M+ Deposit checks remotely, Send money with Zelle, Monitor credit score
3. Monzo Monzo Icon Android, iOS 4.7/5 8M+ Instant spending notifications, Easy budgeting tools
4. Chime Chime Icon Android, iOS 4.8/5 25M+ Overdraft up to $200, No monthly fees, Get paid early
5. Wells Fargo Mobile Wells Fargo Mobile Icon Android, iOS 4.9/5 42M+ Fingerprint Sign On, Deposit checks remotely, Send money with Zelle
6. Varo Bank Varo Bank Icon Android, iOS 4.9/5 5M+ No monthly fees, Get paid up to 2 days early, Instantly send/receive money with Zelle
7. Current Current Icon Android, iOS 4.8/5 5M+ Build credit safely, Access cash quickly, No overdraft or ATM fees
Best of 19 online banking apps on mobile Android, iPhone

1. Bank of America Mobile Banking

Bank of America Mobile Banking Icon

Securely transfer funds between accounts, Deposit checks with photo capture

Download:

Android iOS

Application information

Category Finance
Downloads Over 48 million downloads
Features Manage accounts, transfer money, pay bills, deposit checks, access virtual financial assistant Erica, and enjoy enhanced security features.
Who It’s For Bank of America customers looking for a comprehensive [online banking app] experience on their mobile device.
Bank of America Mobile Banking - Erica virtual assistant, Touch ID / Face ID login, Photo check deposit
  • Tags:
  • Secure Mobile Banking
  • Convenient Money Management
  • Erica Virtual Assistant

Bank of America Mobile Banking is a robust online banking app that offers a comprehensive suite of features for managing your finances. Users consistently praise its intuitive design, secure environment, and ease of navigation. While some have reported issues with notifications in the past, the bank's technical support has been lauded for its responsiveness and helpfulness in resolving such problems. The app continues to evolve with regular updates, including recent improvements to security reminders and a growing focus on budgeting tools, though users are still looking for more customization options for transaction splitting.

Pros & Cons

  • Secure and easy to use
  • Intuitive navigation and design
  • Excellent customer support
  • Provides various banking functions
  • Notification issues reported
  • Limited budgeting customization
  • Transaction splitting needs improvement

Why we chose it?

I'm a big fan of the Bank of America Mobile Banking app! It's super easy to use and packed with features that make managing my finances a breeze. I especially love Erica, the virtual assistant, who helps me find transactions and set up payments in a snap.

✨ Read more: app to pay bills online

2. Chase Mobile

Chase Mobile Icon

Deposit checks with mobile capture, Send & receive money with Zelle

Download:

Android iOS

Application information

Category Finance
Downloads Over 50 million downloads
Features The Chase Mobile app provides comprehensive online banking features, including account management, bill pay, mobile check deposit, money transfers, and credit score monitoring.
Who It’s For Chase bank customers seeking a convenient and secure online banking app.
Chase Mobile - Deposit checks remotely, Send money with Zelle, Monitor credit score
  • Tags:
  • Mobile banking
  • Zelle Payments
  • Credit Score Tracking

Chase Mobile is a robust online banking app that offers a wide array of features for managing your finances. While users praise its modern design and ability to handle basic banking tasks, some find the interface cluttered and overly reliant on pop-ups. Although the app's brokerage platform lags in real-time market data and offers a less robust stock screener than its predecessor, many users find the app's overall functionality satisfactory. However, the inconsistency and lack of reliability in the app's notification system have been a persistent issue, leaving some users frustrated with their inability to receive crucial alerts.

Pros & Cons

  • Easy to use interface
  • Provides basic banking tasks
  • Modern with expected features
  • Offers access to brokerage accounts
  • Inconsistent and unreliable alerts
  • Cluttered interface with pop-ups
  • Brokerage data not real-time

Why we chose it?

Chase Mobile is my go-to app for online banking because it's packed with features I use daily. I love that I can easily check balances, transfer money, pay bills, and even deposit checks right from my phone. And the best part? It's super secure, so I can rest assured that my money is safe.

✨ Read more: app for saving money

3. Monzo

Monzo Icon

Track spending, manage budget, Instant notifications, real-time updates

Download:

Android iOS

Application information

Category Finance
Downloads Over 8 million
Features Monzo is an online banking app that allows you to manage your money, make payments, track your spending, set budgets, and save money with ease.
Who It’s For Anyone who wants a convenient and user-friendly way to manage their finances online.
Monzo - Instant spending notifications, Easy budgeting tools
  • Tags:
  • Real-time notifications
  • Smart budgeting tools
  • Easy Money Management

Monzo is an online banking app that has gained popularity in the UK for its user-friendly interface and innovative features. While some users have expressed concerns about recent design changes, with criticisms of redundancy and the removal of features, many others continue to praise the app's simplicity, speed, and transparency. Monzo shines when it comes to international transactions, offering competitive exchange rates and seamless money transfers. The app's focus on clarity and ease of use makes managing your finances feel effortless, from tracking spending to setting up savings pots and viewing upcoming payments.

Pros & Cons

  • Simple, fast, no hassle
  • Clear and visible graphics
  • Great for sending money abroad
  • See upcoming transfers, get early
  • Unnecessarily bloaty, redundant buttons
  • Removes or hides good features
  • Balance feature moved, harder to access

Why we chose it?

Monzo is my go-to app for online banking because it's super easy to use, packed with helpful features, and always feels secure. I love how quickly I can see exactly where my money is going with the detailed spending breakdowns, and the budgeting tools help me stay on top of my finances. Plus, Monzo's customer support is fantastic – they're always there to help when I need them.

✨ Read more: app to check credit score

4. Chime

Chime Icon

No monthly maintenance fees, Fee-free overdraft protection, Early direct deposit access

Download:

Android iOS

Application information

Category Online Banking App
Downloads Over 25 Million Downloads
Features Chime offers no monthly fees, fee-free overdraft up to $200, early direct deposit, and budgeting tools.
Who It’s For People looking for a fee-free, user-friendly online banking experience with convenient features.
Chime - Overdraft up to $200, No monthly fees, Get paid early
  • Tags:
  • Overdraft up to $200 fee-free
  • Get paid up to 2 days early
  • No monthly fees‡

Chime is a popular online banking app that offers a variety of features designed to make managing your finances easier and more convenient. Users rave about its early direct deposit, automatic savings features, and the helpful "Spot Me" overdraft protection, which has earned praise for its optional tipping system. While the app boasts excellent customer service, recent updates have sparked mixed reactions. Some users, frustrated with the new design and unresponsive functionality, express concerns about the removal of convenient features like the "paycheck" option. Others find the app cumbersome for simple tasks like sending money to friends, highlighting the need for more user-friendly features and privacy considerations.

Pros & Cons

  • Early payday, fee-free overdraft
  • Automatic saving features, great
  • Spot me feature, helpful when
  • No monthly fees, good customer
  • New app design, frustrating
  • Unresponsive app, can't transfer
  • Forced debit card, access contacts

Why we chose it?

I absolutely love Chime for its online banking features! It's totally fee-free, so I never have to worry about hidden charges, and the early direct deposit feature is a lifesaver. Plus, it's super easy to use and I can manage my money on the go with the app - it's a total game-changer!

✨ Read more: app to send money

5. Wells Fargo Mobile

Wells Fargo Mobile Icon

Deposit checks with your camera, Transfer funds between accounts easily

Download:

Android iOS

Application information

Category Finance
Downloads Over 41 million downloads
Features Manage accounts, deposit checks, transfer funds, pay bills, track investments, access credit cards, and send/receive money with Zelle.
Who It’s For Individuals with Wells Fargo accounts who want a convenient and secure way to manage their finances on their mobile device.
Wells Fargo Mobile - Fingerprint Sign On, Deposit checks remotely, Send money with Zelle
  • Tags:
  • Fingerprint Sign On
  • Deposit Checks Remotely
  • Transfer Funds Seamlessly

Wells Fargo Mobile, the online banking app, promises convenient access to your accounts, but the user experience can be frustrating. While the app boasts features like quick deposits and Zelle payments, its clunky design and lack of attention to detail can leave users feeling overwhelmed and annoyed. Many have reported issues with scheduled payments not syncing properly, and the app's layout can make simple tasks feel like a chore. The user interface, with its lavender theme and large font, is a far cry from the sleek design found on other banking apps, creating a sense of disharmony and inefficiency. Ultimately, while Wells Fargo Mobile aims to simplify banking, it often falls short of its goal, leaving users longing for a more intuitive and user-friendly experience.

Pros & Cons

  • Access accounts easily
  • Manage finances securely
  • Track spending effectively
  • Transfer funds conveniently
  • Clunky user interface
  • Poor attention to detail
  • Oversized font and theme

Why we chose it?

I absolutely love Wells Fargo Mobile! It's my go-to app for managing all my finances, from checking balances to paying bills. It's incredibly user-friendly, with features like fingerprint login and Zelle for super quick money transfers, making banking a breeze. And the best part? It's incredibly secure, giving me peace of mind knowing my money is safe.

✨ Read more: app to borrow money

6. Varo Bank

Varo Bank Icon

No monthly fees, no minimum balance, Get paid up to 2 days early

Download:

Android iOS

Application information

Category Finance
Downloads Over 5 million downloads
Features Varo offers features like no-fee checking, early access to paychecks, free money transfers with Zelle, contactless debit cards, fee-free ATMs, credit building, and cash advance options.
Who It’s For This online banking app is ideal for individuals seeking a convenient and fee-free banking experience, with added features like credit building and cash advances.
Varo Bank - No monthly fees, Get paid up to 2 days early, Instantly send/receive money with Zelle
  • Tags:
  • No monthly fees‡
  • Early direct deposit
  • Credit builder

Varo Bank is a highly-rated online banking app that boasts a user-friendly interface and a suite of features designed to help users manage their finances more effectively. Users praise the app's seamless integration of checking, savings, and credit-building tools, making it a one-stop shop for their financial needs. The app's speed and efficiency are also highly touted, with users reporting quick transfers and early access to paychecks. However, some users have encountered issues with the app's biometrics, leading to frustration with frequent login failures. Additionally, while the app's credit card program has been lauded for its simplicity and affordability, some users have expressed concern over the reliability of the fraud protection system and the lack of live customer service after 4pm EST.

Pros & Cons

  • Easy to use interface
  • Fast transfer completion
  • Early access to paychecks
  • Secured credit card program
  • Biometric login unreliable
  • Card declines normal purchases
  • No live customer service after 4pm

Why we chose it?

I absolutely love Varo! It's totally fee-free and lets me get paid early, which is a huge win. Plus, I can send money instantly to friends and family, and the app is super easy to use. Varo is the best banking app I've used for managing my money on the go.

7. Current

Current Icon

Build credit safely with every swipe, Access up to $500 Paycheck Advance

Download:

Android iOS

Application information

Category Finance
Downloads Over 5 million downloads
Features Current is an online banking app that lets you build credit, access cash, skip fees, and manage your money better with a Visa credit or debit card.
Who It’s For Anyone looking for a modern and convenient way to manage their finances with features like credit building and fee-free overdraft.
Current - Build credit safely, Access cash quickly, No overdraft or ATM fees
  • Tags:
  • Build credit safely
  • Access cash quickly
  • Skip overdraft fees

Current is a popular online banking app that boasts a range of features designed to help users manage their finances effectively. While praised for its security, spending management tools, and credit-building options, some users have expressed concerns about the app's debit card functionality and fees associated with cash deposits. Notably, the Build Credit card has been a point of contention, with users reporting a decline in their credit scores due to an apparent reporting issue where balances are incorrectly flagged as outstanding. Despite these issues, many users remain satisfied with Current's overall functionality and appreciate its features like subscription management and the ability to block certain apps.

Pros & Cons

  • Secure and easy to use
  • Helps manage spending and savings
  • Allows blocking certain apps
  • Helps manage subscriptions
  • Fees to deposit cash
  • Credit builder card issues
  • Debit card decline issues

Why we chose it?

Current is my go-to for online banking because it's super easy to use and packed with features that make managing my money a breeze. I love the free overdraft protection, which has saved me from embarrassing situations, and the early paycheck option is a lifesaver when I need cash in a pinch. Plus, building credit with my Build Card has been a great experience, and I can easily track my progress right in the app.

8. U.S. Bank Mobile Banking

U.S. Bank Mobile Banking Icon

Securely manage accounts and cards, Personalized spending insights and advice

Download:

Android iOS

Application information

Category Finance
Downloads Over 10 million downloads
Features U.S. Bank Mobile Banking allows users to manage their accounts, track spending, make payments, set up alerts, and access their credit scores, all from their mobile device.
Who It’s For This online banking app is for anyone with a U.S. Bank account who wants to conveniently manage their finances on the go.
U.S. Bank Mobile Banking - Personalized Insights, U.S. Bank Smart Assistant, Security at your fingertips
  • Tags:
  • Secure and convenient
  • Manage accounts easily
  • Personalized Insights

The U.S. Bank Mobile Banking app is a popular choice for managing your finances on the go. While users praise its intuitive design and ease of navigation, they highlight some areas needing improvement. For instance, the "Deposited check" feature has been a source of frustration, with users finding the auto-capture functionality unreliable and cumbersome. However, the app shines in its ability to provide a comprehensive overview of accounts and balances, allowing users to conveniently manage their finances from anywhere. The app also boasts user-friendly features for veterans, making it a particularly appealing option for those who served in the military.

Pros & Cons

  • Easy to use and navigate
  • Works like a charm
  • Allows easy account viewing
  • Exempt from modest fees for VETS
  • Deposited check feature frustrating
  • Auto capture rarely works
  • Can't see copies of checks

Why we chose it?

I'm a big fan of the U.S. Bank Mobile Banking app! It's super user-friendly, with a clean interface that makes managing my accounts a breeze. The app is packed with helpful features like budgeting tools, personalized insights, and the ability to lock my cards if I lose them, which gives me peace of mind knowing my money is secure. Plus, the customer service is fantastic - they're always quick to help if I have any questions.

9. PNC Mobile

PNC Mobile Icon

Securely access bank accounts, Transfer funds between accounts

Download:

Android iOS

Application information

Category Finance
Downloads Over 8.6 million downloads
Features The PNC Mobile app offers online banking services, allowing users to check balances, manage accounts, transfer funds, pay bills, deposit checks, and more.
Who It’s For People with a PNC Bank account who want to access their finances and banking services on their mobile device.
PNC Mobile - Quick and easy check deposits, Secure fingerprint or Face Authentication
  • Tags:
  • Secure and convenient
  • Easy Money Management
  • Fast and efficient

PNC Mobile presents itself as a comprehensive online banking app, aiming to provide users with 24/7 access to their accounts and a variety of banking services. However, its security measures have been criticized for being inconsistent and inconvenient, with users reporting issues like randomly clearing biometric authentication, frustrating password requirements, and a cumbersome process for accessing routing information. While some users appreciate the app's features for bill payment and deposits, others have encountered long-standing issues, such as the recent malfunction of the deposit feature, highlighting the need for more reliable functionality.

Pros & Cons

  • Convenient 24/7 account access
  • Bill pay and deposit features
  • Helpful for managing finances
  • Reliable for basic banking needs
  • Biometric authentication issues
  • Unclear account overview design
  • Limited automatic payment options

Why we chose it?

PNC Mobile is my go-to app for online banking because it's incredibly user-friendly, packed with helpful features, and keeps my money secure. I love the intuitive design, which makes managing my accounts a breeze, and the ability to deposit checks right from my phone is a huge time-saver. Plus, the multiple security measures give me peace of mind knowing my finances are protected.

10. One — Mobile Banking

One — Mobile Banking Icon

Earn up to 5% cash back, High-yield savings accounts, Early pay for bills

Download:

Android iOS

Application information

Category Finance
Downloads Over 2 million downloads
Features The app offers features like debit rewards, early pay, high-yield savings, and cash back on select brands, making it a comprehensive online banking app.
Who It’s For People looking for a convenient and rewarding online banking experience with features like cash back and high-yield savings.
One — Mobile Banking - Up to 5% cash back, 3% cash back at Walmart, High-yield Savings
  • Tags:
  • High-yield savings
  • Early Pay
  • Debit Rewards

The One — Mobile Banking app promises a seamless and rewarding online banking experience. Users praise its intuitive navigation, robust security features, and flexible savings options. However, recent reports highlight significant concerns about app reliability, with multiple instances of technical issues causing widespread account lockouts and inaccessibility to funds. These issues have left customers frustrated and unable to access their hard-earned money, raising serious questions about the app's overall dependability and customer support.

Pros & Cons

  • Easy to navigate and use
  • Security features for your card
  • Great savings features available
  • Instant and easy money transfers
  • Frequent technical issues occur
  • Unreliable and frustrating experience
  • Account lock downs and frozen funds

Why we chose it?

I absolutely love One! It's super easy to use and lets me manage my money on the go with features like early pay and high-yield savings. Plus, their cash back rewards on my favorite brands are awesome! It's hands down my favorite app for online banking.

11. Zelle

Zelle Icon

Fast and Easy Money Transfers, Direct Bank Account Transfers

Download:

Android iOS

Application information

Category Finance
Downloads Over 26.8 million downloads
Features Zelle allows you to send and receive money quickly and easily with friends and family, directly from your bank account, using only their email address or mobile number.
Who It’s For Individuals who want a fast and convenient way to send and receive money directly from their bank account using their existing online banking app.
Zelle - Fast bank-to-bank transfers, Easy enrollment with email or mobile number
  • Tags:
  • Fast money transfer
  • Safe and Secure
  • Easy to use

Zelle is a popular online banking app that offers a fast and easy way to send money to friends and family. While users rave about its speed and convenience, some have reported experiencing glitches and inconsistencies. One user, for example, had trouble with the password setup and found a workaround using the clipboard. However, others have encountered more persistent issues, such as being logged out unexpectedly or the app failing to function after a period of inactivity. Despite these occasional hiccups, Zelle remains a popular choice for many seeking a simple and efficient way to manage their finances on the go.

Pros & Cons

  • Fast and easy money transfer
  • Convenient for friends and family
  • Widely accepted by many banks
  • Secure and reliable transactions
  • Intermittent app functionality
  • Password issues during setup
  • Requires frequent reinstallation

Why we chose it?

Zelle is my go-to app for sending money to friends and family because it's super fast and easy to use. I love that I can simply send money with just an email address or phone number, and the funds are usually available within minutes! Plus, it's free to use and integrated with my bank, making it a breeze to manage my finances.

12. Regions Bank

Regions Bank Icon

Mobile deposits, easy and fast, Budgeting tools for financial health

Download:

Android

Application information

Category Finance
Downloads Over 4.3 million downloads
Features Regions Bank's app offers a comprehensive range of features for managing accounts, transferring funds, depositing checks, paying bills, and accessing financial tools.
Who It’s For Ideal for individuals and businesses seeking a secure and feature-rich online banking app.
Regions Bank - Fingerprint login, Mobile deposits, Budgeting tools
  • Tags:
  • Secure login (biometrics)
  • Manage finances (budgeting)
  • Send money (Zelle)

The Regions Bank app is a popular online banking app that offers a range of features to manage your finances on the go. While the app has been praised for its user-friendly interface and features like mobile deposits and bill pay, it has also faced recent challenges. Users have reported login issues, difficulty with mobile deposit functionality, and frustration with app stability. However, Regions has demonstrated responsiveness to these issues, working to resolve them and improve the user experience. This commitment to improvement is key for a successful online banking app, especially as users have come to expect a seamless and reliable mobile banking experience.

Pros & Cons

  • Convenient access to accounts
  • Mobile check deposit feature
  • Bill pay and transfer options
  • Provides account balances and history
  • Login issues and glitches
  • Mobile deposit problems
  • App instability and crashes

Why we chose it?

I'm a huge fan of Regions Bank's mobile app! It's packed with features that make banking a breeze, like mobile check deposit, easy transfers, and budgeting tools. I especially love how intuitive and user-friendly the interface is, making it a joy to manage my finances on the go. Plus, the security features give me peace of mind knowing my money is safe.

13. TD Bank (US)

TD Bank (US) Icon

Deposit checks with two pictures, Send Money with Zelle®, Lock and unlock your cards

Download:

Android iOS

Application information

Category Finance
Downloads Over 6.8 Million Downloads
Features Manage accounts, deposit checks, pay bills, transfer funds, send money, lock/unlock cards, set alerts, and access settings, all within a secure and user-friendly interface.
Who It’s For Individuals and businesses with TD Bank accounts seeking a convenient and secure online banking experience.
TD Bank (US) - Deposit checks with two pictures, Lock and unlock cards
  • Tags:
  • Mobile Check Deposit
  • Bill pay
  • Card lock/unlock

The TD Bank (US) online banking app offers a streamlined approach to managing your finances, but users have highlighted some areas for improvement. While features like mobile deposit and fingerprint login are appreciated, users have expressed frustration with the slow loading times of the fingerprint scanner and the app's occasional downtime, particularly on weekends. Additionally, the mobile deposit functionality has received mixed reviews, with some users praising its convenience while others encounter consistent issues with capturing clear images of checks. Despite these hiccups, the TD Bank app presents a user-friendly interface and aims to simplify everyday banking tasks.

Pros & Cons

  • Convenient mobile deposit feature
  • Improved mobile deposit functionality
  • Secure access to bank accounts
  • Quick and easy account access
  • Slow fingerprint scanner loading
  • Weekend account access limitations
  • Inconsistent mobile deposit performance

Why we chose it?

I absolutely love the TD Bank app for online banking! It's so easy to use, and I can manage my finances from anywhere. I really appreciate the quick and secure access to my accounts, plus features like mobile check deposit make my life so much easier. The clean and intuitive interface makes navigating the app a breeze, which is a huge plus for me.

14. Discover Mobile

Discover Mobile Icon

Secure and convenient account access, Manage credit cards and bank accounts

Download:

Android iOS

Application information

Category Online Banking App
Downloads Over 13 Million Downloads
Features The Discover Mobile App offers a comprehensive suite of features for managing your Discover credit cards and bank accounts, allowing you to check balances, view statements, make payments, manage rewards, and more, all from your mobile device.
Who It’s For Individuals with Discover credit cards and bank accounts who want convenient access to their accounts and account management tools.
Discover Mobile - Quick account access, Manage credit card account, Redeem rewards easily
  • Tags:
  • Quick and secure access
  • Manage credit card account
  • Redeem rewards easily

Discover Mobile is a solid online banking app that allows you to manage your Discover credit card and bank accounts with ease. While users appreciate its smooth functionality, making it a breeze to check balances, make payments, and redeem rewards, some have expressed frustration with persistent bugs like the fingerprint login issue and the lack of a functioning FICO score feature. Despite these hiccups, users acknowledge the app's overall convenience and appreciate the security it provides for their financial information.

Pros & Cons

  • Fast, easy, and accurate
  • Convenient account management
  • Easy to find deals and redeem cashback
  • Security for funds and transactions
  • FICO score feature broken
  • Fingerprint login not working
  • App does not exit properly

Why we chose it?

Discover Mobile is my go-to for online banking because it's super intuitive and packed with features! I love that I can manage everything from my credit card to my bank account all in one place, and the interface makes it super easy to navigate. Plus, the security features give me peace of mind knowing my money is safe.

15. BMO Digital Banking

BMO Digital Banking Icon

View account balances and activity, Deposit checks using your camera

Download:

Android iOS

Application information

Category Finance
Downloads Over a million downloads
Features The BMO Digital Banking app allows you to view balances, manage accounts, transfer money, deposit checks, pay bills, and more, all from your smartphone.
Who It’s For The BMO Digital Banking app is for individuals and businesses with a BMO account who want to manage their finances online.
BMO Digital Banking - Faster Biometric Login, Zelle Money Transfer, BMO Card Monitor
  • Tags:
  • Fast and convenient
  • Biometric login
  • Mobile Check Deposit

BMO Digital Banking is an online banking app that promises convenience and ease of access to your finances. However, many users find its navigation cumbersome, lacking the intuitive design they expect. The app's interface can be frustrating, with limitations like not allowing the back button or easy access to transaction details, leaving users feeling like they're constantly jumping through hoops to access basic information. While offering features like Zelle and card monitoring, BMO Digital Banking falls short in essential functionalities like editing payments, making it feel more like a hassle than a helpful tool for managing your money.

Pros & Cons

  • Manage accounts easily
  • Access funds anytime
  • Make payments securely
  • Track spending habits
  • Difficult to navigate
  • Limited transaction details
  • Zelle feature unavailable
  • Cannot edit payments

Why we chose it?

Hey, I'm a big fan of BMO Digital Banking! It's super user-friendly and lets me manage all my accounts in one place, from checking balances to transferring money, all with a few taps. I especially love the Zelle® integration for sending money to friends and family instantly, and the BMO Total Look feature for keeping track of all my accounts, even those not with BMO. It's definitely a top contender for any online banking app!

16. Citizens Bank Mobile Banking

Citizens Bank Mobile Banking Icon

Deposit checks with a snap, Transfer money securely with Zelle

Download:

Android iOS

Application information

Category Finance
Downloads Over 2.8 Million Downloads
Features The Citizens Bank Mobile Banking app lets you manage accounts, deposit checks, transfer funds, pay bills, and more, all from your smartphone.
Who It’s For This app is designed for customers of Citizens Bank who want to access their banking information and manage their finances through an online banking app.
Citizens Bank Mobile Banking - Deposit Checks, Pay Bills, Transfer Money
  • Tags:
  • Mobile Check Deposit
  • Same-day credit
  • Bill pay in one place

Citizens Bank Mobile Banking, once a reliable online banking app, has recently undergone a major overhaul that has left many users frustrated. The new app, while boasting a fresh aesthetic, has been met with complaints about its clunky interface, sluggish performance, and a lack of essential features. Users are reporting difficulties with transfers, a slow login process, and the absence of a widget, which was a popular feature in the previous version. Many are questioning the app's functionality and expressing dissatisfaction with the changes, highlighting the importance of thorough testing and user feedback before major app updates.

Pros & Cons

  • Manage accounts anytime, anywhere
  • Deposit checks with your phone
  • Pay bills with ease
  • View transaction history
  • Slow and buggy interface
  • Limited transfer functionality
  • Frequent login issues

Why we chose it?

I absolutely love the Citizens Bank Mobile Banking app! It's super easy to use, making managing my money a breeze, and I can do everything from checking my balance to depositing checks right from my phone. Plus, with features like Zelle® and bill pay, I can send money and manage my finances all in one place. It's the perfect app for anyone looking for a secure and convenient way to bank on the go.

17. Fifth Third

Fifth Third Icon

Deposit checks with your phone, Transfer funds quickly and easily

Download:

Android iOS

Application information

Category Finance
Downloads Over 3.8 million downloads
Features The Fifth Third online banking app allows users to securely manage their accounts, deposit checks, view recent transactions, pay bills, transfer money, and locate nearby ATMs and branches.
Who It’s For Individuals and businesses who bank with Fifth Third Bank and want to access their accounts and manage their finances from their mobile device.
Fifth Third - Secure account access, Deposit checks remotely, Person-to-person payments
  • Tags:
  • Secure account access
  • Remote check deposit
  • Fast Money Transfers

Fifth Third's online banking app promises a convenient way to manage your finances on the go, but recent user feedback suggests it might need some fine-tuning. While the app boasts features like mobile check deposits and quick money transfers, users have reported frustrating issues like frequent crashes, inaccurate bill payments, and clunky navigation. While the app has shown improvement over time, some features remain frustratingly cumbersome, leaving users yearning for a more user-friendly and reliable experience.

Pros & Cons

  • Improved over the years
  • Displays images of checks
  • Convenient for mobile banking
  • Offers savings goal feature
  • Crashes frequently and bugs
  • Biometric login issues
  • Spacing between items is large

Why we chose it?

Fifth Third is a fantastic app for online banking! It's super easy to use, so you can quickly check your balance, transfer money, and even deposit checks with your phone. I love that it has all the features I need to manage my finances on the go, and the app is always reliable and secure.

18. Woodforest Mobile Banking

Woodforest Mobile Banking Icon

Biometric login for quick access, Mobile check deposit for ease

Download:

Android iOS

Application information

Category Finance
Downloads Over 2.5 million downloads
Features The Woodforest Mobile Banking app empowers users to manage accounts, transfer funds, deposit checks, pay bills, locate branches, and access account information conveniently from their mobile devices.
Who It’s For Individuals with a Woodforest National Bank account seeking a user-friendly [online banking app] for managing their finances on the go.
Woodforest Mobile Banking - Mobile check deposit, Quick biometric login, Convenient bill pay
  • Tags:
  • Biometric login
  • Mobile Deposits
  • Account Balance Alerts

Woodforest Mobile Banking is a convenient online banking app designed to streamline your financial management. While users praise its simplicity and ease of use, recent updates have introduced some frustrating glitches, including frequent crashes and issues with fingerprint authentication. Although customer service has been responsive and the issues have ultimately been resolved, the app's reliability has been a source of concern for some users. Despite these hiccups, Woodforest Mobile Banking remains a popular choice for those seeking a straightforward way to manage their accounts on the go.

Pros & Cons

  • Easy to use interface
  • Convenient access to accounts
  • Quick and responsive support
  • Basic banking features available
  • Frequent crashing issues
  • Fingerprint login issues
  • Limited functionality in app

Why we chose it?

You know, I've tried a lot of banking apps, but Woodforest Mobile Banking just clicks for me! It's super easy to use and lets me do everything I need, from checking balances to transferring money, right on my phone. Plus, I love the mobile deposit feature, it's a real game-changer for busy folks like me!

19. USAA Mobile

USAA Mobile Icon

Secure and convenient account access, Deposit checks and transfer funds

Download:

Android iOS

Application information

Category Finance
Downloads Over 10 Million
Features Manage your USAA accounts, including banking, insurance, and investments, all from your mobile device.
Who It’s For USAA members, especially those looking for a convenient and secure online banking app.
USAA Mobile - Secure account access, Manage finances easily, Convenient insurance services
  • Tags:
  • Secure and Convenient Banking
  • Insurance at Your Fingertips
  • Quick Bill Pay and Money Transfers

USAA Mobile is a highly-rated online banking app that offers convenient access to your finances, insurance, and more. While users praise its robust insurance features, particularly its roadside assistance, the app has received mixed feedback regarding its financial functionality. Some users have reported instances where the app pulled money from the wrong account, leading to financial penalties. However, despite these issues, users generally acknowledge the app's strong security measures and appreciate its quick resolution of any bugs. The app's design has undergone a recent update, which has been met with mixed reactions, with some users finding the new layout less intuitive than the previous version.

Pros & Cons

  • Convenient roadside assistance
  • Good insurance coverage options
  • Quick bug resolution
  • Strong security features
  • Financial transactions unreliable
  • Lack of transaction alerts
  • New UI hides key features

Why we chose it?

As a USAA member, I absolutely love the USAA Mobile app! It's super easy to use and lets me manage all my finances in one place, from banking and insurance to investments. Plus, the security features are top-notch, giving me peace of mind knowing my information is safe. If you're looking for a reliable and user-friendly app for online banking, USAA Mobile is the way to go.