Best Free Online Banking Apps

4.8😐(196K ratings)

Free

#45in 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

Varo Bank: Online Banking by Varo Money inc

Early Payday & Cash Advances

Strong Contender

4.9😞(233K ratings)

Free

#44in Finance

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.

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

GO2bank: Mobile banking by Green Dot Corporation

Online checking and savings

Worth Considering

Credit, Cash back, Savings

4.8😞(64K ratings)

Free

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.

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
💸 Unexpected fees and charges

More Free Online Banking apps to explore

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)

Bank. Borrow. Build Credit.

OnePay – Mobile Banking

Early pay and rewardsHigh-yield savings accountsCash back credit card

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.

(435K)

Venmo

Send Money, Debit card

Send and receive moneySplit payments among friendsBuy, hold, and sell cryptocurrency

A fast, safe, and social way to send and receive money with friends and family. Easily split bills, buy crypto, and manage your finances with integrated debit and credit cards.

(15M)

Digital Banking Solutions

PNC Mobile Banking

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)

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)

N26 — Love your bank

Bank, save, and invest

Online bank account openingInstant money transfersSavings accounts with interest

Manage your banking, savings, and investments all in one app. Open an account in minutes, send money instantly, and grow your savings with flexible options. Invest in stocks and ETFs commission-free.

(12K)

Woodforest Mobile Banking

by Woodforest National Bank

Biometric login (fingerprint/facial recognition)Mobile check depositFund transfers between accounts

Manage your bank accounts conveniently on the go. Access account balances, deposit checks, transfer funds, pay bills, and locate branches. Securely manage debit cards and access credit scores.

(66K)

GreenFi - Mobile Banking

Save, Spend, Invest

Ethical checking and savings accountsPlant a tree with every purchaseNo fossil fuel funding

Manage your money with a conscience. This app offers checking and savings accounts that do not fund fossil fuels and plant a tree with every purchase. Enjoy early direct deposit, high APY, and fee-free ATM withdrawals.

(31K)

SoFi: Bank, Invest & Crypto

Online Banking & Investing

Buy, sell, and hold cryptocurrencyFee-free checking accountHigh-yield savings account

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.

(385K)

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.

Easy account access anywhere.

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.

(11M)

Step: All-In-One Money App

Build, Spend, Save, and Borrow

Build credit for freeCashback on purchasesEarn interest on savings

This app helps users build credit, earn cashback on purchases, and save money with high interest rates. It also offers early access to funds and opportunities to earn extra cash through various activities. The platform aims to improve financial independence and offers a secure, globally accepted Visa card.

(82K)

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)

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.

(56K)

Dave: Credit, Cash & Money App

Get Paid Early, No Hidden Fees

Up to $500 cash advanceNo credit check or interest on advancesGet paid up to 2 days early

Access up to $500 in minutes without a credit check or interest. Get paid up to two days early, avoid pesky fees, and save effortlessly with dedicated savings accounts. This app offers financial management tools to help you reach your goals.

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

(5.2M)

Get Paid Faster, Save, Earn

Porte: Mobile Banking

Get paid up to 2 days earlyNo monthly fee with qualifying direct depositCharitable giving on purchases

This mobile finance app helps you get paid faster, access fee-free ATMs, and even gives back to charity with your spending. It offers in-person service options and aims to provide a convenient banking experience without monthly fees for qualifying users.

(14K)