Best Free Checking Account Apps

243+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated May 2026

Out of 243+ free checking account apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Top Picks for Free Checking Account

GO2bank: Mobile banking#1

GO2bank: Mobile banking by Green Dot Corporation

Mobile bank that works for you
Editor's Choice
💰 Finance
4.8😞(57K ratings)
Free
GO2bank: Mobile banking screenshot 1
GO2bank: Mobile banking screenshot 2
GO2bank: Mobile banking screenshot 3
GO2bank: Mobile banking screenshot 4
GO2bank: Mobile banking screenshot 5
GO2bank: Mobile banking screenshot 6

An all-in-one mobile banking app with no hidden fees, early paydays, credit building options, account protection features, and more. Download now for easy access to your finances. Visit the app's website to learn more.

What We Love

  • 🚀 Prompt direct deposit
  • 👍 Convenient mobile banking
  • 💡 Useful savings features
  • 🔒 Secure transactions

Room to Improve

  • 🐛 Unreliable app functionality
  • 👎 Poor customer service
  • 🤖 Automated/scripted responses
Varo Bank: Online Banking#2

Varo Bank: Online Banking by Varo Money, Inc.

Early Payday & Cash Advances
Strong Contender
💰 Finance
4.9😞(233K ratings)
Free
#81in Finance
Varo Bank: Online Banking screenshot 1
Varo Bank: Online Banking screenshot 2
Varo Bank: Online Banking screenshot 3
Varo Bank: Online Banking screenshot 4
Varo Bank: Online Banking screenshot 5
Varo Bank: Online Banking screenshot 6

Access a comprehensive mobile banking app that helps you manage your finances, build credit, and track your spending easily. Take control of your financial future with just a few taps - download now!

What We Love

  • 💳 Great credit building card
  • 🚀 Fast and efficient banking
  • 🔒 Secure credit and debit cards
  • 💰 Competitive interest rates

Room to Improve

  • 🕰️ Slow mobile check deposits
  • 🤖 Ineffective customer service
  • 🔒 Difficulty accessing accounts during maintenance
Frost Bank#3

Frost Bank by Frost Bank

Worth Considering
💰 Finance
4.9😊(70K ratings)
Free
Frost Bank screenshot 1
Frost Bank screenshot 2
Frost Bank screenshot 3
Frost Bank screenshot 4
Frost Bank screenshot 5

Experience seamless banking with our app - easily open an account, send money using just a mobile number, deposit checks securely, manage multiple accounts, and get 24/7 personalized assistance. Enjoy quick access with a four-digit PIN or fingerprint login, link external accounts, and benefit from Apple Watch integration for a convenient banking experience.

What We Love

  • 👍 Excellent customer service
  • 🚀 Convenient mobile banking
  • 💳 Early paycheck availability
  • 🤝 Personalized banking experience

Room to Improve

  • 🐛 Inconsistent mobile deposit functionality
  • ⏱️ Slow transaction updates in the app
  • 🔒 Lack of security features (e.g., no password pasting)

More Free Checking Account apps to explore

4
Capital One Mobile
Capital One Mobile
Capital One Mobile
Easy account access anywhere.
Free

Access all your accounts and manage your money easily with this app: view balances, pay bills, redeem rewards, and more. Stay informed with alerts, lock your cards instantly, and get assistance from Eno. Download now for better banking.

💰 Finance
(11M)
5
OnePay – Mobile Banking
OnePay – Mobile Banking
OnePay – Mobile Banking
Bank. Borrow. Build Credit.
Free

A mobile banking app that allows you to easily manage your finances, pay bills, and access banking services on the go. Take control of your money with secure transactions and account management. Download now for seamless banking experience.

💰 Finance
(328K)
6
Restart - Mobile Banking App
Restart - Mobile Banking App
Restart - Mobile Banking App
Debit card & direct deposit
Free

Access your finances on the go with this mobile banking app. Manage your accounts, track your transactions, and easily transfer funds whenever and wherever you need. Simplify your banking experience today!

💰 Finance
(83)
7
Current - Mobile Banking
Current - Mobile Banking
Current - Mobile Banking
Save, spend & get paid faster²
Free

A cutting-edge banking application revolutionizing financial management. Seamlessly integrating savings and spending tools for a futuristic banking experience. Join now for a glimpse into the future of banking.

💰 Finance
(194K)
8
Novo - Small Business Checking
Novo - Small Business Checking
Novo - Small Business Checking
Built for modern businesses
Free

Apply online for a modern small business checking account with free banking tools, a business debit card, and virtual card with Novo. Focus on your business while managing payments, transfers, checks, and savings easily within the app.

💰 Finance
(20K)
9
Ingo Money - Cash Checks
Ingo Money - Cash Checks
Ingo Money - Cash Checks
by Ingo Money, Inc.
Free

Cash and deposit checks quickly using the Ingo Money App. Snap a photo, submit, and get your money in minutes. No lines, no holds, just quick access to your funds. Start cashing your checks effortlessly today!

💰 Finance
(8.7K)
10
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Better Than A Cash Advance
Free

Get up to $500 in just 5 minutes with our quick cash advance app. Instantly access funds with a simple application process.

💰 Finance
(836K)
11
Kroo Bank - Mobile Banking
Kroo Bank - Mobile Banking
Kroo Bank - Mobile Banking
Who you bank with matters
Free
💰 Finance
(105)
12
Citi Mobile®
Citi Mobile®
Citi Mobile®
A Banking App Designed for You
Free

A comprehensive banking app allowing users to easily manage their accounts, make payments, deposit checks, track spending with insights, manage bills, view credit scores, and access account alerts. Features include account aggregation, card replacement, ATM locator, payment scheduling, and enhanced security measures like Quick Lock and biometric access. Explore more at the provided privacy notice links for a trusted and convenient banking experience.

💰 Finance
(3.9M)
13
Academy Bank
Academy Bank
Academy Bank
by Dickinson Financial Corporation
Free

Access your finances on the go with our mobile banking app – deposit checks, transfer funds, monitor account activity, set alerts, and locate ATMs or branches easily. Simplify your banking experience by downloading the app and signing in with your Academy Bank Online Banking credentials.

💰 Finance
(2.1K)
14
BankMobile
BankMobile
BankMobile
Digital banking on demand!
Free

Experience the convenience of smart digital banking with this on-the-go app. Enjoy early access to funds, instant money transfers, card security features, mobile check deposits, and more. Download now to simplify your banking experience!

💰 Finance
(30K)
15
PNC Mobile Banking
PNC Mobile Banking
PNC Mobile Banking
Digital Banking Solutions
Free

Manage your finances on the go with our digital banking solution. Check balances, transfer funds, pay bills, and stay in control of your money anytime, anywhere. Experience convenient banking at your fingertips – download now!

💰 Finance
(1.9M)
16
Chime® – Mobile Banking
Chime® – Mobile Banking
Chime® – Mobile Banking
Save, Spend, Build Credit
Free

A banking app that offers security features, fee-free overdraft up to $200, early direct deposit, no monthly fees, and the ability to build credit through on-time payments. Trusted by millions, Chime also allows easy money transfers with no fees. Discover a new way to manage your finances and build credit.

💰 Finance
(1.5M)
17
U.S. Bank Mobile Banking
U.S. Bank Mobile Banking
U.S. Bank Mobile Banking
Personal Finance and Invest
Free

Access your finances securely from anywhere with this mobile banking app. Monitor your accounts, receive alerts for suspicious activities, and manage your cards all in one place. Experience convenience and peace of mind at your fingertips.

💰 Finance
(2M)
18
SoFi: Bank, Invest & Crypto
SoFi: Bank, Invest & Crypto
SoFi: Bank, Invest & Crypto
Online Banking & Investing
Free

This application is a comprehensive platform for banking, investing, and financial management. Users can earn high interest rates on savings, invest in stocks and ETFs, access financial planning tools, and enjoy various perks like cash back rewards and cell phone insurance.

💰 Finance
(386K)
19
Greenwood - Mobile Banking
Greenwood - Mobile Banking
Greenwood - Mobile Banking
by Greenwood, Incorporated
Free

A financial technology app that caters to the Black and Latino communities, offering digital savings and spending accounts with no fees, early direct deposit, and a focus on community involvement and support. Join to save money, help the community, and enjoy convenient contactless services like Apple Pay and fee-free ATM withdrawals worldwide.

💰 Finance
(7.3K)
20
Starling - Mobile Banking
Starling - Mobile Banking
Starling - Mobile Banking
Good with money.
Free

A mobile banking application revolutionizing banking with seamless money management, online account opening, budgeting tools, international transactions, and enhanced security features. Join now for a modern banking experience.

💰 Finance
(2.7K)