Best Mobile Banking Apps

Jan 10, 2024 By Triston Martin

User-friendliness, security, feature availability, and accessibility are some of the factors that Forbes Advisor takes into consideration while ranking mobile banking applications. We also evaluated whether or not the applications are offered for users of both iOS and Android, in addition to any other variables that may have been pertinent—the following list of mobile banking apps currently available.

Citi Mobile

Several factors contribute to Citi Mobile's position at the top of our list. Not only is the app simple to use, especially for those who lack experience with technology, but it also has a very high level of safety. To protect your information's confidentiality, Citi employs several different security measures, including biometrics. You also have the option to set up notifications informing you of any questionable behavior on your account.

The app also has a large number of functions. You can do actions like checking the amount of your account, monitoring your FICO score, establishing savings targets, locking and unlocking your debit card, transferring money, paying bills, and more. Even if you are not logged in to your Citibank account, you may get a brief overview of your accounts. The customer support department is just a touch away if you need assistance.

Bank of America Mobile Banking

The mobile app for Bank of America includes many of the typical features seen in other mobile applications. You can monitor and manage your bank, credit, and investment accounts, activate debit and credit cards, deposit checks, and pay bills, among other things. In addition, the BofA mobile app includes a few features that stand out from the crowd and go above and beyond.

To start, the application includes a feature to help you create a budget and keep track of your spending so that you can better handle your finances. Second, a security meter will inform you how safe your accounts are and what measures you need to take to lessen the likelihood that you will be a victim of fraud. And last, the BofA mobile banking app has a virtual assistant named Erica who can assist you in locating transactions, paying bills, and gaining vital insights about your spending habits.

Chase Mobile

Knowing where you are in terms of your finances is the first step in building a financially sound life. Because of this, the Chase Mobile app provides various features in a centralized location to assist you in better managing your money and improving your overall financial health.

You may monitor your development over time with the help of the "Credit Journey" service, which gives you access to a free credit score and a credit report card. In addition, it comes along with a built-in budget planner that makes it simple to track where your money is going and identify areas in which you may cut costs.

And if you want your money to grow, Chase offers an investing tool that gives you access to your portfolio and allows you to make transactions even when you're not at your computer. In addition, the app allows you to monitor and redeem benefits from your credit card.

Ally: Banking & Investing

The mobile application provided by Ally Bank is among the most feature-rich and simple to use of all the applications currently available. The Ally mobile app allows you to conduct conventional operations such as examining account balances, depositing checks, and finding ATMs. However, the service's focus on savings makes it stand out from other mobile banking apps.

You may use a feature that saves you money by rounding up transactions made with your debit card to the closest dollar and then sending the difference to your savings account. Within the mobile app, you also have the option to create "savings buckets" for particular savings objectives, such as funding for unexpected expenses, down payments, trips, weddings, and retirement.

In addition, you may use Zelle to send and receive money, watch your Ally Invest portfolio, get assistance from a roboadvisor, and do a great deal more. Because Ally Bank is one of the few banks that does not charge fees, the money you have worked so hard to acquire is put to work for you rather than against you.

Discover Mobile

Discover's mobile app makes it simple to access your accounts whenever and wherever you need to, giving you more flexibility. It has a user-friendly interface and tools that may help you better manage your cash. The app lets you check your credit score, apply for new accounts, pay bills, and collect incentives.

Discover is an excellent choice for anyone who wants a bank account that is both technologically advanced and has cheap fees. Compared to other financial organizations, the bank's interest rates and fee structure are more favorable to customers.

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