10 Best Mobile Banking Apps to Manage Money Smartly

Capital One takes the lead with a robust app featuring check deposits, bill payments, and Zelle integration. With ratings of 4.9 and 4.5 on the App Store and Google Play, respectively, it’s clear that users appreciate its comprehensive functionality.

2. Chase Mobile-Best for In-App Wealth Management 

With an average rating of 4.4 stars on the App Store, Chase Mobile offers features like fraud monitoring and in-app budgeting tools. It’s a solid choice for those looking to manage their finances effectively.

3. Quontic Bank- Best for busy checkers

Quontic’s app shines with a rating of 4.7 and includes biometric authentication for enhanced security. It allows users to check balances, deposit checks, and monitor their credit scores—all at their fingertips. 

Quontic Bank doesn’t charge overdraft fees. For the online banker who isn’t diligent about checking their account balance, this could be a lifesaver. What’s more, Quontic offers multiple customer support options and mortgage products in addition to its checking and savings accounts. 

4. Varo Bank: Mobile Banking- Best for Alert Lovers 

Varo’s app scores high with real-time transaction alerts and customer support via live chat. With ratings of 4.9 and 4.7 stars, it’s user-friendly and efficient for everyday banking tasks.

5. Wells Fargo Mobile Wells 

Fargo’s app is packed with features, including FICO score access and a virtual assistant for quick queries. With ratings of 4.9 and 4.8 stars on the Apple Store and Google Play, it’s a reliable option for many users. 

6. Discover Mobile 

Offering mobile check deposits and Zelle payments, Discover’s app prioritizes security with card-locking capabilities and biometric login. It’s well-rated at 4.4 stars on both platforms.

There are also in-app card locking capabilities, which make it easy to keep your money and your personal information safe if you suspect that it may have fallen into the wrong hands. The app also allows you to log in using your fingerprint, facial recognition, or a four-digit code for an added layer of security. 

7. Ally Bank 

Despite a mixed rating of 4.7 stars on the App Store and 2.3 stars on Google Play, Ally bank app is packed with useful features like fund transfers and bill payments. 

8. First Foundation Bank Mobile 

First Foundation Bank Mobile lets you sync accounts and monitor transactions while providing personalized insights into your spending. It’s a great option for those looking to gain a deeper understanding of their finances. 

9. LendingClub 

LendingClub app offers easy loan management and credit score monitoring. With ratings of 4.8 stars on both stores, it’s a solid choice for borrowers. 

10. SoFi 

SoFi rounds out our list, providing features like savings goals and round-ups. Its security measures, including two-factor authentication, make it a safe option for managing your money. 

Other Financial Apps to Check Out

While a mobile banking app is a fantastic tool for managing your finances, having a few additional apps can really enhance your financial picture. Personally, I find that using specialized apps for budgeting and investing makes a significant difference.

Here are some other types of financial apps I recommend:

• Budgeting Apps: To keep your finances in check, consider using budgeting apps like Rocket Money for creating budgets, Honeydue for managing shared expenses with your partner, and Empower for comprehensive wealth management.

• Cash Advance Apps: While I suggest using them sparingly, cash advance apps can be lifesavers in emergencies. Some of the top options include Current, EarnIn, and Varo.

• Investing Apps: If you're looking to start planning for your financial future, investing apps like Interactive Brokers, Acorns, and Betterment can help you take that first step.

1. Are mobile banking apps secure? 

Yes, most mobile banking apps employ advanced security measures such as encryption, two-factor authentication, and biometric login options to protect your sensitive information. However, it’s always important to take precautions, like regularly updating passwords and using secure Wi-Fi connections.