Best Checking Accounts Apps

4.7😞(35K ratings)

Free

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.

What We Love

🚀 Immediate fund transfers
👍 User-friendly app
🚀 Fast check deposits
🔒 Secure account
👍 Convenient mobile banking

Room to Improve

🐛 Unreliable app performance
💰 Excessive fees
🚫 Limited ATM access
🔒 Restricted account access
🤬 Poor customer service

Capital One Mobile by Capital One Services, LLC

Easy account access anywhere.

Strong Contender

4.8😐(11M ratings)

Free

#2in Finance

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.

What We Love

🚀 Exceptional customer service
👍 User-friendly app
🚀 Convenient features
🚀 Seamless transactions
🚀 Instant notifications
🚀 Helpful credit-building tools

Room to Improve

🐛 Buggy and laggy app
🔒 Concerns about account security
🔒 Difficulty verifying identity
🔒 Lack of transparency in account closures
🐛 Inconsistent app performance
🔒 Unresponsive to customer issues

Checking Accounts by Manu Gupta

Track Checking Balances Easily

Worth Considering

💼 Business

4.5(2 ratings)

$0.99

This offline ledger app helps you easily track personal and business checking account balances. Log all transactions, maintain a running balance, and manage multiple accounts. Save or share your records as a PDF without needing an internet connection.

More Checking Accounts apps to explore

Flare Account

by Netspend Corporation

Check account balanceView transaction historySend money to friends and family

Manage your ACE Flare account conveniently from your mobile device. Check balances, view transactions, send money to friends and family, and deposit checks remotely. This app offers a streamlined way to handle your finances on the go.

(4.7K)

Get Paid Early. Build Credit.

Current - Mobile Banking

Get paid up to 2 days earlyFee-free overdraft protectionBuild credit while banking

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.

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.

Account balance and transaction viewingPayment management and schedulingRewards redemption

(5.3M)

Varo Bank: Online Banking

Early Payday & Cash Advances

Early paydayNo monthly or overdraft feesCash advances up to $250

This digital bank offers early payday, fee-free banking, and competitive interest rates. Access instant cash advances, a line of credit, and a free secured credit card to build your credit history.

(234K)

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)

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.

(7.5K)

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.

(8.8M)

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)

Credit, Cash back, Savings

Chime® – Mobile Banking

Fee-free bankingEarly paycheck accessCredit builder feature

This financial app offers fee-free banking with features like early paycheck access and a credit builder. It helps your money grow with tools for savings and rewards. Enjoy convenient mobile banking with a focus on user benefits.

SoFi: Mobile Bank & Investing

(1.7M)

ad-supported

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.

(385K)

Bank. Borrow. Build Credit.

OnePay – Mobile Banking

Mobile banking and paymentsBorrowing and credit buildingCash back and rewards program

Manage your finances with a comprehensive money super app. Bank, send, pay, spend, and borrow, all while building credit and earning rewards. It offers features like fee-free overdraft and high APY savings.

Manage your personal finances and replace your paper checkbook with this intuitive app. Track daily transactions, schedule recurring payments, and capture photo receipts. Generate insightful reports and export your data for easy analysis.

Schedule recurring transactionsCapture and store photo receiptsGenerate graphs and reports

Spruce up your financial life

(6.7K)

paid

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.

by HI Technology Corp

Fee-free account managementEarly direct depositMobile check deposit

Manage your finances on the go with a flexible and convenient financial account. Add cash fee-free, get paid early, and make purchases or withdraw cash without monthly fees. Securely control your money with 24/7 customer service.

free with in-app purchases

(22K)

Arrowhead Mobile Banking

Arrowhead Credit Union

Link external accountsSnapshot view for balancesMobile check deposit

Manage your finances on the go with this mobile banking app. Access account information, deposit checks, pay bills, transfer funds, and utilize financial wellness tools. Security features like two-factor authentication and card blocking are included.

(34K)

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.