Best Checking Account Apps

4.8😐(197K ratings)

Free

#35in Finance

Manage your finances with a mobile banking app that offers early direct deposit, fee-free overdrafts, and credit building tools. Earn cash back on purchases and interest on savings.

What We Love

🚀 Early paycheck deposits
💳 Unique and stylish debit card design
💰 Competitive savings interest rates
🔒 Secure banking experience
💸 Helpful overdraft protection
📱 Intuitive and user-friendly mobile app

Room to Improve

🕰️ Slow mobile check deposit process
🤖 Inconsistent and impersonal customer service
🔍 Difficulty resolving disputes and fraudulent charges
🔒 Security and account access issues
💳 Limitations on ATM withdrawals and card usage

OnePay – Mobile Banking by One Finance, Inc.

Bank. Borrow. Build Credit.

Strong Contender

4.9😞(452K ratings)

Free

#8in Finance

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

What We Love

🚀 Efficient banking features
🔒 Secure transactions
👍 Intuitive user interface
💡 Useful budgeting tools
🤑 Generous cash back and rewards

Room to Improve

🐛 Unreliable app performance
🤯 Frustrating account changes
🤔 Lack of transparency
🙅‍♀️ Poor customer service
💸 Unexpected fees and charges

SoFi: Bank, Invest & Crypto by Social Finance, LLC

Online Banking & Investing

Worth Considering

4.7😐(385K ratings)

Free

#16in Finance

SoFi: Bank, Invest & Crypto screenshot 1

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SoFi: Bank, Invest & Crypto screenshot 6

Manage your banking, investments, and cryptocurrency all in one place. This app offers fee-free checking, high-yield savings, commission-free stock trading, and the ability to buy, sell, and hold over 25 cryptocurrencies. It also provides tools for loan pre-qualification and credit score monitoring.

What We Love

🚀 Convenient all-in-one finance app
💰 Competitive interest rates on savings
👍 Intuitive and user-friendly interface
📈 Integrated investment platform
💳 Useful credit card with rewards
🔒 Secure account management

Room to Improve

🐛 Buggy and unreliable account management
🕰️ Slow money transfer and withdrawal process
💸 Unwarranted account freezes and fund holds
🤖 Poor and unresponsive customer service
📈 Cluttered app with too many upsells
🔍 Difficulty verifying identity and updating info

More Checking Account apps to explore

Discover Mobile

Banking and Finance

Account balance and transaction viewingPayment management and schedulingRewards redemption

Manage your Discover credit card and bank accounts securely from anywhere. Check balances, view transactions, make payments, redeem rewards, and deposit checks. Access your FICO score and freeze your account for added security.

(5.2M)

Ally: Bank, Auto & Invest

The app for all things money

Manage bank, auto, and investment accountsSchedule vehicle payments and use Auto PaySmart savings tools like buckets and boosters

Manage your banking, investments, and auto payments all in one secure app. Features include smart savings tools, commission-free trading, and personalized investment advice. Get early direct deposit and free FICO® Score updates.

(113K)

Varo Bank: Online Banking

Early Payday & Cash Advances

Early payday accessNo monthly or overdraft feesCash advances up to $500

This digital bank offers early payday access and cash advances up to $500. It provides high APY on savings, auto-saving tools, and a free secured credit card. Send money easily to anyone with just a phone number or email.

(234K)

Greenwood - Mobile Banking

by Greenwood, Incorporated

Digital savings and spending accounts4.15% APY on savingsNo overdraft or monthly fees

This financial app offers savings and spending accounts designed for the Black and Latino communities. It provides early direct deposit, fee-free ATM withdrawals, and opportunities to support community initiatives through account features.

(7.3K)

Credit, Cash back, Savings

Chime® – Mobile Banking

Early payday accessFee-free overdraft protectionCredit building tools

Manage your finances with tools for early payday access, fee-free overdraft protection, and credit building. This app offers a checking account with fee-free cash deposits and ATMs, plus automatic savings features and 24/7 support.

(1.6M)

Easy account access anywhere.

Capital One Mobile

View account balances and statementsPay bills and loansCheck credit score with CreditWise

Manage your finances on the go with comprehensive account access. View balances, pay bills, track transactions, and monitor your credit score. The app also offers card management, rewards redemption, and peer-to-peer payments.

Digital banking on demand!

Earn cash back offersLink external accountsGet paid up to 2 days early

Manage your finances with a digital banking app offering cash back rewards, early direct deposit, and instant money transfers. Easily link external accounts, deposit checks, and pay bills from your mobile device.

(34K)

Online checking and savings

GO2bank: Mobile banking

Early direct depositHigh-yield savings accountOverdraft protection

This mobile banking app simplifies money management with features like early direct deposit, high-yield savings, and overdraft protection. It offers transparent banking with no hidden fees and tools to build credit. Secure and convenient access to funds nationwide.

Digital Banking Solutions

Check account balances and transactionsSecure sign-on with biometricsSend money with Zelle®

Manage your finances on the go with this mobile banking app. Check balances, transfer funds, deposit checks, pay bills, and send money securely. It also offers tools to track spending, set budgets, and manage savings goals.

(2M)

Spruce up your financial life

Spruce – Mobile banking

Spending account managementHigh-yield savings accountFinancial goal setting

Manage your daily finances and budget for future goals with this mobile banking app. It offers a spending account, a high-yield savings account, and tools to track spending and set savings goals. Build a better relationship with your money through easy-to-use financial management features.

(5.3K)

Personal Finance and Invest

U.S. Bank Mobile Banking

Manage accounts and cardsSend and request money with Zelle®Deposit checks with increased limits

Manage your finances, monitor cash flow, and send money securely. View account balances, deposit checks, pay bills, and track spending. Get personalized insights and explore banking products and investments.

(2.1M)

Payments, Balance & Rewards

Amex

Secure account managementTrack spending and rewardsPay bills and manage balance

Manage your American Express account securely from anywhere. Track spending, view rewards, pay your bill, and discover personalized offers. Enjoy quick, safe access with biometric login and instant alerts for added peace of mind.

Money. Debit Card. Bitcoin.

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

(8.7M)

Navy Federal Credit Union

Our Members are the Mission

Account managementBill paymentsFund transfers

Manage your finances on the go with this banking app. Easily check accounts, make payments, transfer funds, and deposit checks. Securely sign in and find nearby branches or ATMs. Apply for new accounts and loans, or manage your cards.

(815K)

Get a US account without SSN

MAJORITY: Mobile banking

FDIC-insured accountVisa debit card with cashbackInternational money transfers

Manage your money with a mobile banking app designed for internationals. Open an FDIC-insured account and get a Visa debit card with just a passport. Send money abroad, top up phones, and make international calls at competitive rates.

(85K)

freemium

Branch: A Better Payday

Your money—fast

Fast wage accessDigital bank accountDebit card

Access your earned wages instantly with flexible payout options. This app provides a free digital bank account and debit card, along with financial wellness tools to help you save, spend, and manage your money effectively.

(68K)

Save, Spend & Grow Your Credit

Intuit Credit Karma

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

(7.7M)