Best Free Online Banking Account Apps

Chime® – Mobile Banking

Credit, Cash back, Savings

Free

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.

SoFi: Bank, Invest & Crypto

Online Banking & Investing

Free

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.

Cash Boost: Cash Advance

Instant Money, Always Ready

Free

Quickly compare cash advances, personal loans up to $1,500, and credit cards in one place. Understand potential costs and key terms upfront to make informed financial decisions.

OnePay – Mobile Banking

Bank. Borrow. Build Credit.

Free

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.

ATM Cash Advance・Instant Money

Earn Real Cash・Quick Advances

Free

Access quick cash advances without a credit check, interest, or late fees to cover emergencies. Earn extra money by playing games, answering surveys, and utilizing cashback offers.

PNC Mobile Banking

Digital Banking Solutions

Free

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.

Discover Mobile

Banking and Finance

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.

Green Dot - Mobile Banking

Your banking. Your choice.

Free

Manage your finances with a mobile banking app that offers early direct deposit, overdraft protection, and cash deposits. Enjoy features like 2% cash back on purchases and a high-yield savings account with no minimum balance requirement.

B9: Cash Advance

No Credit Check Payday Advance

Free

Access your paycheck early with cash advances that grow with your direct deposits. This banking app offers simple financial tools, rewards, and opportunities to earn extra money directly from your phone.

Cash App

Money. Debit Card. Bitcoin.

Free

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.

Porte: Mobile Banking

Get Paid Faster, Save, Earn

Free

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.

Revolut: Send, spend and save

Change the way you money

Free

Manage your money with a comprehensive financial app. Spend, send, and save across multiple currencies, invest in stocks, and track your spending with smart tools. Offers features for both adults and children's financial education.

Dave: Credit, Cash & Money App

Get Paid Early, No Hidden Fees

Free

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.

Capital One Mobile

Easy account access anywhere.

Free

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.

Venmo

Send Money, Debit card

Free

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.

Citi Mobile®

A Banking App Designed for You

Free

Manage your banking and finances with a comprehensive mobile app. Open accounts, deposit checks, pay bills, and track spending. Securely access your accounts and manage your cards with features like card locking and PIN resets.

PayPal - Pay, Send, Save

Debit card, rewards, pay later

Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.