Best Checking Account Apps

4.8😐(198K ratings)

Free

#48in Finance

Access your paycheck faster, build credit, and manage savings all in one place. This banking app offers early direct deposit, fee-free overdrafts, and cash back rewards. Enjoy 24/7 support and access to a vast network of ATMs.

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

Varo Bank: Online Banking by Varo Money inc

Early Payday & Cash Advances

Strong Contender

4.9😞(234K ratings)

Free

#70in Finance

This digital bank offers early payday, cash advances, and a credit card with no fees or credit checks. Earn competitive APY on savings and manage your money with auto-saving tools and fee-free ATMs.

What We Love

💳 Great credit building card
🚀 Fast and efficient banking
🔒 Secure credit and debit cards
💰 Competitive interest rates
💳 Helpful advance and borrowing features

Room to Improve

🕰️ Slow mobile check deposits
🤖 Ineffective customer service
🔒 Difficulty accessing accounts during maintenance
💰 Restrictive transfer and deposit limits
🐛 Technical issues with app and transactions

Discover Mobile by Discover Financial Services

Banking and Finance

Worth Considering

SoFi: Mobile Bank & Investing

4.9😐(5.3M ratings)

Free

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.

What We Love

👍 Excellent customer service
🚀 Smooth and easy-to-use app
💳 Great credit card with rewards
🔒 Secure and reliable
💳 Helpful for building credit
💳 Automatic credit line increases

Room to Improve

🐛 App crashes and bugs
🤖 Poor customer service and unresponsive to issues
💳 Difficult to get credit limit increases
💳 Unfair credit reporting practices
💳 Holding funds hostage and difficult to access money

More Checking Account apps to explore

Online Banking & Stock Trading

AI-driven financial guide (SoFi Coach)Fee-free online bankingHigh-yield savings accounts

Manage your banking, investments, and cryptocurrency in one place. Features an AI-driven financial guide for personalized insights, high-yield savings, and fractional share trading.

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Credit, Cash back, Savings

Chime® – Mobile Banking

Fee-free bankingEarly paycheck accessCredit builder feature

This mobile banking app offers fee-free banking and helps your money grow. Enjoy early paychecks, credit building tools, and cash back rewards. It's designed for easy, everyday financial management.

Bank. Borrow. Build Credit.

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OnePay – Mobile Banking

Bank, send, pay, and spendBuild credit historyEarn cash back and rewards

Manage your finances with a comprehensive mobile banking solution. Perform transactions, build credit, and earn rewards. Offers features like fee-free overdraft and high APY savings accounts.

Payments, Balance & Rewards

Manage Cards, checking, and savings accountsFreeze and unfreeze cards instantlyView and redeem rewards

Manage your American Express accounts, track spending, and redeem rewards on the go. Access offers, freeze your card instantly, and get 24/7 customer support.

free with in-app purchases

(4.5M)

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.

Digital Banking Solutions

View account balances and transactionsDeposit checks via mobileSend and receive money with Zelle®

Manage your PNC accounts, deposit checks, and transfer funds. Send and receive money with Zelle®, track spending, and set budgets. Customize your banking experience and manage profile settings.

Easy account access anywhere.

View account balancesPay bills and loansMonitor credit score

Manage your finances on the go with easy access to your accounts. View balances, pay bills, track credit, redeem rewards, and send money. Get instant alerts and lock your cards for added security.

(11M)

Ally: Bank, Auto & Invest

The app for all things money

Manage bank, auto, and investment accountsSmart savings tools like buckets and boostersCommission-free trading on eligible stocks and funds

Manage your bank, investment, and auto accounts in one secure, convenient app. Features include smart savings tools, commission-free trading, and vehicle payment management. Get paid early and avoid fees with this comprehensive financial management solution.

(115K)

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.

free with in-app purchases

(2.2M)

Cash App

Money. Debit Card. Bitcoin.

Instant P2P paymentsBitcoin and stock investingEarly direct deposit

Manage your money with ease. Send and receive payments instantly, invest in stocks and Bitcoin, and access banking services like early direct deposit. Customize a debit card and save with exclusive offers.

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.

(35K)

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.

(65K)

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.

(5.4K)

Branch: A Better Payday

Your money—fast

Instant access to earned wagesFree digital bank account and debit cardSavings Goal feature

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 send money securely. Enjoy fee-free banking and quick access to your earnings.

(68K)

Central Bank - Mobile

by Central Bancompany

Mobile check depositBill payFund transfers

Manage your finances on the go with features like mobile check deposit, bill pay, and fund transfers. Securely send money to friends and family, set up custom alerts, and track your spending with ease. Access your accounts quickly and conveniently from your smartphone.

(57K)

GreenFi - Mobile Banking

Save, Spend, Invest

Environmentally-conscious bankingSave, spend, and investFund tree planting with purchases

Manage your finances with a conscience. This banking app allows you to save, spend, and invest while supporting environmental initiatives. Enjoy features like early direct deposit, ATM access, and competitive interest rates.

Navy Federal Credit Union

(31K)

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Our Members are the Mission

Secure account accessMobile check depositBill payments

Manage your finances on the go with this banking app. Easily check accounts, make payments, transfer funds, and deposit checks. Securely access your information with biometric login and find nearby branches or ATMs.

(815K)