10 Best Mobile Banking Apps of 2026 for Checking, Saving, and More

Why we think it’s great

The Capital One mobile app is the highest-rated mobile banking app in the App Store’s Finance category, and it earns that spot by doing a few things exceptionally well. The standout feature is Eno, Capital One’s assistant, which flags suspicious or duplicate charges and sends smart, timely alerts without being overwhelming.

The app also includes a built-in subscription manager, letting you track, block, or cancel recurring charges directly from your account.

Capital One also made LendEDU’s lists of the best savings accounts, best checking accounts, and the best CDs. So it does plenty right.

Why we think it’s great

The SoFi mobile app stands out for how much it pulls into one place. Beyond everyday banking, it offers Vaults to organize savings goals and Autopilot, which lets you automate transfers between checking, savings, and even investing accounts.

The app also includes free credit score monitoring, spending breakdowns, and personalized financial insights, so you’ll get tools that go beyond basic account management.

SoFi’s underlying bank accounts are also some of the best we’ve seen. They’ve made LendEDU’s lists of the best savings accounts and best checking accounts.

Why we think it’s great

Do you prefer to bank with a credit union? Then look no further than the Alliant Credit Union mobile app. One standout feature we like is the balance preview, which lets you check account balances without logging in. (This can be super useful for quick check-ins.) The app also includes live in-app chat and free access to credit scores.

Did you know? Alliant’s High-Rate Checking account also made our list of best checking accounts.

Why we think it’s great

The Chase Mobile app packs more into one place than almost any other banking app. Two features stand out: Chase Offers, which surfaces card-linked discounts you can activate in-app, and Credit Journey, a free credit score and identity monitoring tool available even to non-customers.

Whether you’re an individual or a business, the app is excellent if you want everything under one roof. You can manage checking and savings, pay bills, send money with Zelle, and even access J.P. Morgan Wealth Management accounts without leaving the app.

Why we think it’s great

The Varo app is built for people who do everything from their phone. It combines checking, high-yield savings, credit-building tools, and a free credit score tracker in one place, without monthly fees.

The biggest draw is how easy it is to earn a competitive savings rate directly in the app, without having to jump between accounts or platforms.

We also like that Varo offers 24/7 live support inside the app, which isn’t a given with digital banks. Varo appears on LendEDU’s list of the best savings accounts.

Why we think it’s great

The Chime mobile app is built for simplicity, and that shows in its consistently high app ratings. What sets Chime apart is how much you can do without paying fees. The app supports instant, fee-free Pay Anyone transfers, even to people without Chime, and includes SpotMe, which may cover small overdrafts without charging traditional overdraft fees (with qualifying activity).

Chime’s Online Checking Account also made LendEDU’s best checking account list.

Why we think it’s great

The Wells Fargo Mobile app is one of the highest-rated finance apps in the App Store, and it shows. If you prefer a traditional bank with branches, tellers, and a full product lineup, but still want a modern mobile experience, this app delivers.

Ask Fargo, Wells Fargo’s in-app virtual assistant, is genuinely useful for quick questions and everyday tasks.

Note: None of Wells Fargo’s bank accounts appear on our best-of lists, but its mobile app is a strong choice if you value traditional banking alongside a well-built app.

Why we think it’s great

I have been a huge fan of Ally Bank for more than a decade, and a large part of that is due to its mobile app. First, the app makes everyday banking easy, with no overdraft fees, Zelle, and up to $10 per month in ATM fee reimbursements.

On top of that, most bank accounts come with spending and savings buckets, so you can organize your money into multiple goals without needing many separate accounts.

Did you know? Ally Bank appears on LendEDU’s best savings accounts, best checking accounts, and best CDs lists.

Why we think it’s great

The Current mobile app is built for people who live paycheck to paycheck (or just want more flexibility between paydays). Eligible members can get paid up to two days early, access free overdraft coverage, and qualify for paycheck advances of up to $750, all from the app.

Current also includes automated savings tools, cash back on everyday spending categories, and credit-building features that run quietly in the background. It’s not a traditional bank replacement for everyone. But if early pay, cash-flow tools, and a modern app matter most, Current stands out in this category.

Why we think it’s great

The Synchrony Bank mobile app is refreshingly focused on one thing: helping you manage savings efficiently.

You can deposit checks, set up automatic transfers, renew CDs in a few taps, and chat live with a real banker directly in the app, something many online banks still don’t offer.

Synchrony shows up on LendEDU’s best savings accounts and best CDs lists, and the app reflects that same saver-first approach. It’s not packed with budgeting tools or flashy extras, but if your goal is to grow cash with minimal effort, this app does exactly what it needs to.