Are you a fan of digital banking apps?
Sometimes, online banking can be frustrating and super annoying, especially when you don’t feel like doing it.
But, thanks to the evolution of digital banking Apps, you can easily take care of the majority of your banking needs using your smartphone, tablet or smartwatch.
This makes the whole experience a hundred times better and allows you to stay on top of your finances with minimal effort.
Here’s a list of the 10 best digital banking apps in America.
The 10 Best Digital Banking Apps In America
The list of digital banking apps and figures mentioned below have been compiled from various sources around the web, such as The Balance, Go Banking Rates & Smart Asset.
These are the 10 best digital banking apps in America.
10. Discover Mobile
As you’d expect from a bank of this proportion, their app has all the bells and whistles you need to do most of your banking on the go.
Set up Touch ID or Face ID, and you’ll be able to log in in a breeze.
Once you’re logged in, you’ll be able to check your account balances, stay up to date with your most recent transactions and send money to whomever you like.
What’s cool with this app, is that if you use the quick view feature, you can check your balances and recent activity without even logging in.
Another cool offering from this banking app is the “Discover Deals” feature. So, if you love to shop, the app will show you all the latest deals and offers available to you.
In addition to the above-mentioned features, Discover Banks mobile app allows you to check your FICO score, redeem credit card reward points and use Apple Pay if you’re an iOS user.
It’s compatible with both iOS & Android and has a current 4.8 out of 5-star rating in Apples App Store from over 2.2 million ratings.
9. Citi Mobile
The Citi mobile banking app is completely free to download for all existing customers and is currently rated 4.8 out of 5 stars.
You can use the banking app to manage all of your bank accounts and credit cards in one place, and transfer money between both if needs be.
Like most banking apps now, you can do all the normal things like checking your account balances, transferring money between accounts and keeping an eye on your recent transactions.
Citi also offers a similar feature to Discover, called “Snapshot”, which lets you view your most recent transactions without having to sign in.
As one would expect in 2020, access to the app can be granted using Touch ID and Face ID, and the digital banking app is compatible with the Apple-Watch.
If you’re already a Citi customer then you ought to be making use of the app, if you’re not already.
8. PNC Mobile App
In terms of design and overall UI, this app could use a little freshen up in places. However, design aside, it still received a 4.8 out of 5-star rating in Apples App Store.
If you’re a big fan of using your phone for payments and leaving your cards at home, then PNCs digital banking app ticks all the right boxes.
The app allows you to add not only your debit cards but also your credit cards and SmartAccess cards as well. This means that as long as you have your phone with you, and you’re connected to data or Wi-Fi, you can make purchases without carrying your wallet. How good is that?!
Also, if you want to deposit an approved cheque into your account, the PNC Express funds option allows you to scan the cheque, and choose whether you want to gain access to the funds immediately, for a small fee, or just wait for it to clear normally. That’s pretty cool, right?
As well as these features, you can also set up alert notifications to keep you update with anything you want to monitor, like receiving a deposit or credit and debit card activity.
7. Wells Fargo Mobile
If you have investments that you’d like to monitor, whilst also keeping an eye on account balances and credit card transactions, then the Wells Fargo mobile app has got you covered.
The app offers more than just basic account monitoring of your checking and savings accounts. It also allows you to keep tabs on your investments, and the ability to invest in other stocks and mutual funds.
Now, investing can be a tricky game to play if you don’t know what you’re doing, but Wells Fargo has got your back. Inside the mobile app, you’ll find real-time quotes, market data and visual graphics to help point you in the right direction. Once you’ve made your decisions, and chosen your investments, you can set up alerts and notifications to warn you of any market fluctuations or, when you hit certain goals.
Also, following the card-less trend, the app allows you to withdraw money from thousands of ATMs, using its ATM access option. So, all you need is your smartphone and you’re good to go.
At the time of writing, the Wells Fargo App has a 4.8 out of 5-star rating in Apples App Store, from over 2.7 million ratings, and is compatible on both iOS & Android.
6. Simple
Managing your money can be difficult, but Simple have tried to eliminate that issue with their mobile app.
They want to make mobile banking as simple as possible and therefore have included lots of useful features.
To begin with, you can calculate a budget directly within the app, and then the “Safe-to-Spend” component will calculate what you have available to spend after all your bills and payments are deducted. This leaves you with a much better understanding of what disposable income you actually have available to spend.
If you’re a saver, then you could use the apps “envelope” system for your savings goals, and automate it at the same time, by choosing a certain amount to deposit every week or month, depending on when you have the money available.
Also, if you get a Simple Visa Card, you can link it to the app and lock the card at any time, which is super handy if you lose it, or it gets stolen.
Overall, if you live in America and you’re looking for a digital banking app that’s “Simple” and easy to use, then perhaps you should give this one a try.
Its current star rating in Apples App Store is 3.6 out of 5 and it has approximately 1,500 ratings.
5. Chase Mobile
The next best digital banking app on our list is Chase Banks mobile app.
If you’re a Chase customer, you can download the app, sign in, and begin to enjoy all the app has to offer.
For example, if you need to move your money around, pay some bills, transfer money to a friend, or even deposit cheques, then Chase Mobile has you covered.
You can also use their “Zelle” feature to send and receive money from pretty much anyone with a mobile number or email address.
Viewing your Trans Union Credit Score is also possible within the app, and if you have one of Chases rewards credit cards, then you can view and redeem your points from within the app.
Currently, the Chase Mobile app has a rating of 4.8 out of 5 stars from over 1.7 million ratings.
It’s totally free to download and compatible with both iOS & Android.
4. Bank of America Mobile Banking
The Bank of America digital banking app allows you to do a number of things similar to the previous apps on the list.
However, this app is best known for its security. For instance, if you set up travel notices within the app, you shouldn’t experience any resistance or lack of access to your accounts when travelling abroad.
If Bank of America detects any suspicious activity in your account, they will contact you straight away to clarify the payment was made by you. And, you’re not held liable for any fraudulent transactions as long as you notify them within 60 days.
You can order a new or replacement card within the app, deposit cheques, view your credit score and set up custom alerts according to your personal preferences.
So far, the app has received 1.4 million ratings with an average star rating of 4.8 out of 5.
3. USAA
For some, this app is considered to be the best banking app overall, however, it falls a little short of the top spot on our list.
USAA was founded by military members for military members and is mainly marketed to people within the military.
The app has a lot of useful built-in features and offers Touch ID and Face ID to log in securely.
However, its popularity comes from its voice search capabilities and digital assistant: EVA.
Just open up the digital assistant, ask a question or instruct a command, and it will do exactly what you want or put you in touch with a customer service representative if it’s unable to complete your request.
As well as that, you can manage your finances, investments and insurance policies all within the app, and pay your bills, deposit cheques and place trades.
From almost 490,000 ratings in Apples App Store, USAAs app has a current rating of 4.8 out of 5.
2. Capital One Mobile
If customer service is important to you, then you should consider using Capital One, as their mobile app was awarded “The Highest in Customer Service Among Mobile Apps” by J.D Power. This can also be backed up by its 4.7 out of 5-star rating in Apples App Store.
As well as having great customer service, the digital banking app comes with all the features you’ve come to expect from the previous banking apps on the list.
For example, you can keep track of your purchases, create alerts and notifications, pay bills, transfer money, keep an eye on your credit score and lock your credit cards within the app if you lose them.
If you’re an Apple Watch user, you’ll be delighted to know that a lot of the features of the mobile app are available on the watch.
So, if checking your account balances with a turn of the wrist appeals to you, then give this app a try.
1. Ally Mobile
The best digital banking app of 2020 goes to Ally Mobile.
Compatible with both iOS & Android, free to download and having a solid 4.8 star rating in Apples App Store, it’s easy to see why so many people are choosing to use it above the competition.
The app covers all the basic features, like transferring money, paying bills and mobile cheque deposits, as well as including investment options, 24/7 human customer service and great interest rates on checking accounts.
If you’re looking to park your money in a savings account, they’ve also got you covered, as they offer some of the best high yield savings accounts on the market.
The user interface is clean and easy to navigate and you can log in using biometric fingerprint recognition.
Once logged in, you can use a built-in application called Card Control, which allows you to customize your debit cards spending limits and notifications.
Overall, this is the most popular and best digital banking app on the market at the moment. It’s well worth using if you’re looking to set up a new checking or savings account and want an easy way to manage and track your finances.
Summary
We hope you enjoyed our list of the 10 best digital banking apps in America.
As always with these types of products and services, there’s a lot of choices.
However, hopefully, we’ve made it a little easier for you to decide which digital banking app you’d like to use.
Here’s a quick recap of the 10 best digital banking apps in America.
- Ally Mobile
- Capital One Mobile
- USAA
- Bank of America Mobile Banking
- Chase Mobile
- Simple
- Wells Fargo Mobile
- PNC Mobile App
- Citi Mobile
- Discover Mobile
I was skeptical at first regarding the success of these apps. But with time, I have realized how important they are and how much time they save. They have simplified the entire banking process.