Best Online Banking Checking Apps

236+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated May 2026

GO2bank is the household name in online banking checking, but it's far from the only option. We track 236+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Top Picks for Online Banking Checking

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
Chime® – Mobile Banking#2

Chime® – Mobile Banking by Chime Financial, Inc.

Save, Spend, Build Credit
Strong Contender
💰 Finance
4.8😊(1.5M ratings)
FreeAds
#8in Finance
Chime® – Mobile Banking screenshot 1
Chime® – Mobile Banking screenshot 2
Chime® – Mobile Banking screenshot 3
Chime® – Mobile Banking screenshot 4
Chime® – Mobile Banking screenshot 5
Chime® – Mobile Banking screenshot 6

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.

What We Love

  • 🚀 Early paycheck
  • 💰 No overdraft fees
  • 👍 Easy to use app
  • 💳 Credit builder feature

Room to Improve

  • 🐛 Inconsistent direct deposit timing
  • 🤖 Poor chatbot support
  • 💳 Difficulty with card activation/replacement
Upgrade - Mobile Banking#3

Upgrade - Mobile Banking by Upgrade, Incorporated

Rewards Checking, Loans, Cards
Worth Considering
💰 Finance
4.9😐(80K ratings)
Free
Upgrade - Mobile Banking screenshot 1
Upgrade - Mobile Banking screenshot 2
Upgrade - Mobile Banking screenshot 3
Upgrade - Mobile Banking screenshot 4
Upgrade - Mobile Banking screenshot 5
Upgrade - Mobile Banking screenshot 6

An app for mobile banking offering rewards checking, loans, and cards, allowing users to check balances, manage funds, track rewards, and credit score. Features include no monthly fee, debit rewards tracking, and credit score management. Share feedback at mobile_app_feedback@upgrade.com.

What We Love

  • 🚀 Excellent, easy-to-use app
  • 🔒 Robust fraud prevention
  • 💰 Competitive interest rates and rewards
  • 👍 Seamless account management

Room to Improve

  • 🐛 Inconsistent account updates and transaction history
  • 🤔 Unclear policies around credit limit changes
  • ❌ Poor customer service and unresponsive to issues

More Online Banking Checking apps to explore

4
Citizens Bank Mobile Banking
Citizens Bank Mobile Banking
Citizens Bank Mobile Banking
by Citizens Bank, N.A.
Free

Manage your money on-the-go with this mobile banking app! Easily check account balances, deposit checks, transfer money, pay bills, and enjoy secure transactions with Zelle®. Stay in control of your finances, anytime, anywhere.

💰 Finance
(737K)
5
Varo Bank: Online Banking
Varo Bank: Online Banking
Varo Bank: Online Banking
Early Payday & Cash Advances
Free

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!

💰 Finance
(233K)
6
GoBank - Mobile Banking
GoBank - Mobile Banking
GoBank - Mobile Banking
by Green Dot Corporation
Free

Enjoy fee-free mobile banking with GoBank's convenient app, offering early direct deposit, bill payments, money transfers, cash deposits, and more. Experience hassle-free banking without surprise fees and access to a wide network of ATMs. Sign up now for a seamless banking experience.

💰 Finance
(5.3K)
7
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)
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
Commerce Bank for iPhone
Commerce Bank for iPhone
Commerce Bank for iPhone
Challenge Accepted®
Free

Access your finances on the go with this mobile app: log in securely with biometric authentication, deposit checks, transfer funds, pay bills, manage notifications, lock/unlock cards, find branches, and more. Enjoy Mobile Banking from Commerce Bank. Open an account today!

💰 Finance
(146K)
10
FNB Direct
FNB Direct
FNB Direct
by First National Bank of Pennsylvania
Free

Experience ultimate convenience with our mobile banking app, allowing you to manage transactions, cards, deposits, transfers, and more on-the-go. Features include credit score access, secure chat support, online statements, Zelle money transfers, and advanced biometric security.

💰 Finance
(49K)
11
Monzo Bank - Mobile Banking
Monzo Bank - Mobile Banking
Monzo Bank - Mobile Banking
Spend, save, manage your money
Free

A mobile banking app that helps you save, spend confidently, and manage money without fees. Open accounts quickly, get early payments, and track spending habits easily. Save towards goals, get secure money management, and enjoy 24/7 support.

💰 Finance
(5.6K)
12
Provident CU Mobile Banking
Provident CU Mobile Banking
Provident CU Mobile Banking
by Provident Credit Union
Free

Access your finances easily with this mobile app – control your accounts, pay bills, send money, deposit checks, and more with just a few taps. Monitor balances, use Zelle® for transfers, set notifications, manage credit cards, and locate branches conveniently. Start managing your banking needs on-the-go today!

💰 Finance
(11K)
13
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
(348K)
14
BDO Online
BDO Online
BDO Online
BDO's new Online Banking app
Free
💰 Finance
(4.2K)
15
GreenFi - Mobile Banking
GreenFi - Mobile Banking
GreenFi - Mobile Banking
Save, Spend, Invest
Free

An innovative app for managing your finances responsibly, Aspiration lets you spend, save, and invest while supporting sustainable causes. Join now to start saving money and saving the planet.

💰 Finance
(31K)
16
FirstBank Mobile Banking App
FirstBank Mobile Banking App
FirstBank Mobile Banking App
Banking for Good
Free

"Bank securely anytime, anywhere with our free mobile banking app. Manage your account with features like biometric login, mobile deposit, Zelle® for money transfers, and bill pay. Stay informed with alerts and communicate securely through the app. Download now!"

💰 Finance
(92K)
17
Green Dot - Mobile Banking
Green Dot - Mobile Banking
Green Dot - Mobile Banking
Your banking. Your choice.
Free

Access convenient mobile banking with features like early direct deposit and money transfers with Green Dot. Take control of your finances and enjoy the benefits today.

💰 Finance
(12K)
18
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)
19
Dollar Bank Mobile App
Dollar Bank Mobile App
Dollar Bank Mobile App
by Dollar Bank
Free

Access your accounts with the free mobile app, featuring secure account access, mobile check deposit, quick balance viewing, money transfers, bill payments, Zelle® money transfers, ATM locator, biometric login, and check image viewing. Experience convenient banking anytime, anywhere.

💰 Finance
(23K)
20
Central Bank - Mobile
Central Bank - Mobile
Central Bank - Mobile
by Central Bancompany, Inc
Free

Access a comprehensive suite of mobile banking features such as round-up savings, biometric login, quick balance checking, instant money transfers, bill payments, account management, alerts, and customization options with our app. Seamlessly manage your finances on-the-go and enjoy a secure, convenient banking experience. Explore more functionalities and enhance your mobile banking experience now.

💰 Finance
(54K)