Best Online Banking Checking Apps

248+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated July 2026

U.S. Bank Mobile Banking is the household name in online banking checking, but it's far from the only option. We track 248+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Online Banking Checking Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1U.S. Bank Mobile BankingU.S. Bank Mobile BankingFree4.8★ (2.1M)YesNoSep 2026
2Varo Bank: Online BankingVaro Bank: Online BankingFree4.9★ (233K)NoNoSep 2026
3Citizens Bank Mobile BankingCitizens Bank Mobile BankingFree4.8★ (737K)NoNoSep 2026
4GO2bank: Mobile bankingGO2bank: Mobile bankingFree4.8★ (64K)NoNoSep 2026
5Fifth Third: 53 Mobile BankingFifth Third: 53 Mobile BankingFree4.8★ (648K)NoNoSep 2026
6Commerce Bank for iPhoneCommerce Bank for iPhoneFree4.7★ (147K)NoNoSep 2026
7Chime® – Mobile BankingChime® – Mobile BankingFree4.8★ (1.6M)YesNoSep 2026
8Discover MobileDiscover MobileFree4.9★ (5.2M)NoNoSep 2026

Top Picks for Online Banking Checking

U.S. Bank Mobile Banking#1

U.S. Bank Mobile Banking by U.S. Bancorp

Personal Finance and Invest
Editor's Choice
💰 Finance
4.8😐(2.1M ratings)
FreeAds
#13in Finance
U.S. Bank Mobile Banking screenshot 1
U.S. Bank Mobile Banking screenshot 2
U.S. Bank Mobile Banking screenshot 3
U.S. Bank Mobile Banking screenshot 4
U.S. Bank Mobile Banking screenshot 5
U.S. Bank Mobile Banking screenshot 6

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.

What We Love

  • 👍 Convenient mobile banking
  • 🚀 Easy to use app
  • 💳 Great bank overall
  • 🤝 Friendly and helpful customer service
  • 🏦 Seamless transition from previous bank
  • 🔒 Secure banking experience

Room to Improve

  • 🐛 Frequent app crashes and bugs
  • 🤔 Confusing app updates and changes
  • 💳 Issues with credit card rewards redemption
  • 🔍 Difficulty finding account information
  • 🕰️ Slow transaction processing and app response times
  • 🚫 Restricted money transfer options
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
#48in 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

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
Citizens Bank Mobile Banking#3

Citizens Bank Mobile Banking by Citizens Bank, N.A.

Worth Considering
💰 Finance
4.8😞(737K ratings)
Free
Citizens Bank Mobile Banking screenshot 1
Citizens Bank Mobile Banking screenshot 2
Citizens Bank Mobile Banking screenshot 3
Citizens Bank Mobile Banking screenshot 4
Citizens Bank Mobile Banking screenshot 5
Citizens Bank Mobile Banking screenshot 6

Manage your finances conveniently from your mobile device. View account balances, deposit checks with photos, transfer funds securely, and pay bills all in one place. Your accounts are protected with a banking guarantee.

What We Love

  • 💻 Mostly good banking app
  • 👍 Love the App

Room to Improve

  • 🐛 Crashes and bugs non stop
  • 🔍 App is clunky, needs lots of work
  • 🔒 Puzzle to Access
  • 💰 They steal your money
  • 🚫 I wouldn't know!!!
  • 👎 The actual bank is great, the app is HORRIBLE
  • 🚫 Fix the login!
  • ⏰ Keeps getting worse!!
  • 🤯 Whoever updated this app should be fired
  • 🐛 Crashes all the time
  • 🚫 2 stars only because it works *sometimes*
  • 🚫 I can not believe how bad
  • ⏰ Inconvenience
  • 🚫 App does not permit access to account

More Online Banking Checking apps to explore

FAQ about Online Banking Checking

What are the best online banking checking apps for iPhone?
U.S. Bank Mobile Banking tops our online banking checking apps ranking as of July 2026, with a 4.8-star average from 2.1M App Store ratings, and it's free to download.
Yes — 20 of the top online banking checking apps we rank are free to download, including U.S. Bank Mobile Banking and Varo Bank: Online Banking.
U.S. Bank Mobile Banking shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 248+ online banking checking apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
The app allows you to manage your accounts, monitor cash flow, send money, deposit checks, pay bills, and track your spending. You can also view your credit score, apply for new products, and manage your investments.
Key features include viewing all your accounts (checking, savings, credit cards, loans) in one place, sending and requesting money with Zelle®, depositing checks, paying and managing bills, and making transfers between accounts. You can also track your cash flow and spending trends.