Is There An App For Debit Cards And Able To Deposit Checks Online

The best mobile banking services give you access to financial services anytime you want. With banking apps — or a bank website — on your phone or tablet, you can complete many common tasks, including checking your account balance, finding nearby ATMs and depositing a check by snapping a photo.

Here are banks and credit unions with the best mobile banking experiences. To compare a wider range of banks, see our roundup of best banks and credit unions .

+ See a summary of our best banks and credit unions for mobile banking

Best mobile banking apps

Ally : Best online banking service (tie)
Varo : Best online banking service (tie)
TIAA : Best for mobile focus (tie)
Capital One : Best for mobile focus (tie)
Bank of America : Best mobile app from a big bank
Alliant : Best mobile app from a credit union

6 Best Banks and Credit Unions for Mobile Banking

Here's a closer look at the best mobile banking apps.

Ally

Best online banking service (tie)

Ally's mobile apps let you pay bills, send money to other people through Zelle, deposit checks and transfer funds between bank accounts. The apps also earn high ratings from reviewers in the iOS and Android app stores.

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.

Varo

Best online banking service (tie)

Varo Bank has online accounts with early direct deposit and no monthly fees. If you need to get cash, Varo also allows access to over 55,000 Allpoint ATMs.

Customers can open a banking account and linked savings account that earns a high APY if they meet direct deposit and balance requirements. In addition, Varo Bank's iOS and Android apps receive strong ratings from customers.

TIAA

Best for mobile focus (tie)

With just a few branches, mostly in Florida, TIAA is primarily a mobile-focused bank. But if you need cash, the bank has a generous ATM policy, offering reimbursements of at least $15 in out-of-network ATM fees each month.

TIAA offers standard mobile banking services, including bill pay, money transfer and mobile check deposit, and its apps earn high ratings in the app stores.

Capital One

Best for mobile focus (tie)

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 SureSwipe, a custom pattern that you draw with your finger when signing in to the app. You can also sign in by using your fingerprint. Both iOS and Android users give the Capital One app high star ratings.

Bank of America

Best mobile banking app from a big bank

at Bank of America, N.A., Member FDIC

Bank of America's mobile apps have all the essential features: bill pay, the ability to send and receive money and mobile check deposit. You can also use the app to schedule an appointment at one of its 4,300 branches or get help finding any of the approximately 17,000 free ATMs across the country.

The bank's apps receive consistently high ratings on both iOS and Android platforms.

Alliant Credit Union

Best mobile banking app from a credit union

Alliant's apps check all the usual boxes: ATM locator, transaction history and balances on demand, check deposit and bill payments. And the charts and graphs in the money management tool let users analyze their spending habits and keep tabs on budget categories. There's also an unusually high daily limit of $50,000 for depositing checks through the app.

Methodology

We took a close look at over 70 financial institutions, including the largest U.S. banks based on assets, debit card volume, Internet search traffic and other factors; the nation's largest credit unions, based on deposits as well as broad-based membership requirements; and other notable and/or emerging players in the online banking industry. We rated them on criteria including digital experience and ease of mobile apps, as well as annual percentage yields, minimum balances, fees and more. For this roundup, we considered only those services with the highest scores for web and mobile experience within their respective categories that are widely available across the country.

Financial institutions surveyed include: Alaska USA Federal Credit Union , Alliant Credit Union , Ally Bank , America First Credit Union , American Express , Associated Bank , Axos Bank , Bank5 Connect , Bank7 , Bank of America , Bank of the West , Barclays , BB&T , BBVA , Boeing Employees Credit Union , BMO Harris , Capital One 360 , Charles Schwab Bank , Chase , Chime , CIBC US , CIT , Citibank , Citizens Access , Citizens Bank , Comenity Direct , Comerica Bank, Commerce Bank , Connexus Credit Union , Consumers Credit Union , Discover Bank , E-Trade, Fifth Third Bank , First Foundation Bank , First National Bank , First Tech Federal Credit Union , Flagstar Bank , FNBO Direct , GoBank , Golden 1 Credit Union , GS Bank , HSBC Bank USA , Huntington Bank , KeyBank , Live Oak Bank , M&T Bank , Nationwide Bank , Navy Federal Credit Union , NBKC Bank , Pentagon Federal Credit Union , PNC , Popular Direct , PurePoint Financial , Radius , Redneck Bank , Regions Bank , Salem Five Direct, Sallie Mae Bank , Santander Bank , SchoolsFirst Federal Credit Union , Security Service Federal Credit Union, Service Credit Union , State Employees' Credit Union of North Carolina , Suncoast Credit Union , SunTrust Bank , Synchrony Bank , TAB Bank , TCF Bank , TD Bank , TIAA Bank , Union Bank , UFB Direct , USAA , U.S. Bank , Varo , Vio , Wells Fargo , Woodforest Bank and Zions Bank.