Best Banks and Credit Unions for Mobile Banking

Alliant Credit Union: Best mobile experience at a credit union

Alliant Credit Union is easy to join and its savings rates are competitive. Alliant’s apps offer features that let you manage your banking tasks from anywhere.

You can use an ATM locator, review transaction history and balances on demand, deposit checks and pay bills. And the app works with money management tools like Quicken WebConnect. Plus they let you track your ATM fee rebates to know when you’re nearing the $20 monthly rebate limit. There’s also a high daily limit of $100,000 for depositing checks through the apps.

Ally: Best for 24/7 customer service

Ally’s mobile apps let you pay bills, send money to people through Zelle, deposit checks and transfer funds between bank accounts. The apps earn respectable ratings from Android users and high ratings from iOS users. If you ever need human help with your accounts, customer service is available 24/7.

Ally’s online checking account earns interest and has no monthly fees, while its online savings account lets you organize your savings goals into different categories. The savings account’s attractive rate is higher than what you can expect to find at larger traditional banks.

Capital One 360: Best for online banking with some branch access

Capital One isn’t just home to free checking and savings accounts that earn interest; it has a robust mobile banking platform, too.

The apps have all the standard functions of mobile banking, like mobile check deposit, bill pay and the ability to send money to other people in the U.S. They also add a layer of security with mobile app verification, which uses your login credentials and your phone to help ensure only you can access your account. The Capital One mobile apps earn strong ratings from iOS and Android users.

Unlike most online banks, Capital One 360 comes with branch access in a few states. The bank also has Capital One Cafés in select states, where customers can open accounts, speak to bank representatives, get beverages and snacks and use free Wi-Fi.

Discover: Best for balance tracking

Discover® Bank offers free checking and savings accounts that pay cash back or offer strong interest rates. Its apps are well-rated by iOS and Android users alike and offer standard features such as an ATM locator, mobile check deposit and online bill pay. For those who want to keep an extra keen eye what you have in your accounts, you can use the app's "Quick View" feature to see your balance without logging in. Customers can also use the app to securely message customer service, view credit scores and freeze and unfreeze accounts.

SoFi: Best for combination checking and savings account

SoFi offers highly competitive APYs for both checking and savings balances in its combination checking and savings account. The only requirement to reach those high rates is a monthly direct deposit in any amount. The app gets decent ratings from Android users and high ratings from iOS users. Customers can use the app to monitor their credit score and, if so inclined, dive deeper into budgeting with the bank's in-house tools.

Synchrony: Best for savings only

Synchrony Bank's mobile banking apps earn great ratings from both iOS and Android users. Customers use them to deposit checks, make payments and transfers, and manage their accounts. The bank offers in-app customer support and a Twitter account dedicated to providing help.