Best Digital Banking Apps In America (2020): Are you a fan of digital banking apps? Sometimes online banking can be frustrating and super boring, especially when you don’t feel like doing it.
But, thanks to the evolution of digital banking applications, you can easily take care of the majority of your banking needs using your smartphone, tablet or smartwatch.
This makes the experience 100 times better and allows you to control your finances with minimal effort.
Here’s a list of the top 10 digital banking apps in America.
The 10 best digital banking apps in America
The list of digital banking apps and the figures mentioned below have been compiled from various sources on the web, such as The Balance, Go Banking Rates & Smart Asset.
These are the top 10 digital banking apps in America.
10. Discover Mobile
As you would expect from a bank of this proportion, their application has all the bells and whistles you need to do most of your banking on the go.
Set up Touch ID or Face ID, and you’ll be able to log in at a glance.
Once connected, you can check your account balance, stay up to date with your most recent transactions, and send money to whomever you want.
The cool thing about this app is that if you use the quick view feature, you can check your balances and recent activity without even logging in.
Another interesting offer of this banking application is the “Discover offers” function. So if you like shopping, the app will show you all the latest deals and offers available to you.
In addition to the features mentioned above, the Discover Banks mobile app allows you to check your FICO score, redeem credit card reward points and use Apple Pay if you are an iOS user.
It is compatible with iOS and Android and has a current rating of 4.8 out of 5 stars in the Apples App Store of over 2.2 million ratings.
9. Citi Mobile
The Citi Mobile Banking app is free to download for all existing customers and is currently rated 4.8 out of 5 stars.
You can use the banking app to manage all of your bank accounts and credit cards in one place and transfer money in between if necessary.
Like most banking apps now, you can do all the normal things like checking your account balances, transferring money between accounts, and keeping tabs on your recent transactions.
Citi also offers a feature similar to Discover, called “Snapshot”, which allows you to view your most recent transactions without having to log in.
As you would expect in 2020, access to the app can be granted using Touch ID and Face ID, and the digital banking app is compatible with Apple-Watch.
If you are already a Citi customer, you must use the application, if you are not already.
8. PNC mobile application
In terms of design and overall user interface, this app could use a little freshness in places. However, aside from the design, it has always received a rating of 4.8 out of 5 stars in the Apples App Store.
If you are a big fan of using your phone for payments and leaving your cards at home, the PNC digital bank app ticks all the right boxes.
The application allows you to add not only your debit cards, but also your credit cards and your SmartAccess cards. This means that as long as you have your phone on you and are connected to data or Wi-Fi, you can make purchases without carrying your wallet. That’s good?!
In addition, if you wish to deposit an approved check into your account, the PNC Express funds option allows you to scan the check and choose whether you want to access the funds immediately, for a small fee, or simply wait clear normally. It’s pretty cool, isn’t it?
In addition to these features, you can also set up alert notifications to keep you informed of anything you want to monitor, such as receiving a deposit or credit and debit card activity.
7. Wells Fargo Mobile
If you have investments that you want to monitor, while keeping an eye on account balances and credit card transactions, the Wells Fargo mobile app is there for you.
The app offers more than just basic account tracking for your checking and savings accounts. It also allows you to keep an eye on your investments and the ability to invest in other stocks and mutual funds.
Now investing can be a difficult game to play if you don’t know what you’re doing, but Wells Fargo is there for you. In the mobile app, you will find real-time quotes, market data and visual charts to help point you in the right direction. Once you have made your decisions and chosen your investments, you can configure alerts and notifications to warn you of market fluctuations or when you reach certain goals.
In addition, following the trend without card, the application allows you to withdraw money from thousands of ATMs, using its option to access ATMs. So all you need is your smartphone and you’re good to go.
As of this writing, the Wells Fargo app has a 4.8 out of 5 star rating in the Apples App Store, out of more than 2.7 million ratings, and is compatible on both iOS and Android.
Managing your money can be difficult, but Simple has tried to eliminate this problem with its mobile app.
They want to make mobile banking as simple as possible and have therefore included many useful features.
To start, you can calculate a budget directly in the application, then the “Safe-to-Spend” component will calculate what you have to spend once all your invoices and payments have been deducted. This allows you to better understand the disposable income you actually have.
If you are a saver, you can use the “envelope” system of applications for your savings goals and automate it at the same time, choosing a certain amount to deposit each week or month, depending on when you have the savings. money available.
In addition, if you get a simple Visa card, you can link it to the app and lock the card at any time, which is very handy if you lose it or it is stolen.
Overall, if you live in America and are looking for a “simple” and easy-to-use digital banking app, you might want to give it a try.
Its current star rating in the Apples App Store is 3.6 out of 5 and it has approximately 1,500 ratings.
5. Chase Mobile
The second best digital banking app on our list is the Chase Banks mobile app.
If you’re a Chase customer, you can download the app, sign in, and start enjoying all that the app has to offer.
For example, if you need to move your money, pay bills, transfer money to a friend, or even deposit checks, Chase Mobile is there for you.
You can also use their “Zelle” function to send and receive money from almost anyone with a mobile number or email address.
Viewing your Trans Union credit score is also possible in the app, and if you have one of the Chases Rewards credit cards, you can view and redeem your points from the app.
Currently, the Chase Mobile app has a rating of 4.8 out of 5 stars out of more than 1.7 million ratings.
It is completely free to download and compatible with iOS and Android.
4. Bank of America Mobile Banking
The Bank of America digital banking app lets you do a number of things similar to the previous apps on the list.
However, this application is best known for its security. For example, if you set up travel notifications in the app, you shouldn’t experience resistance or lack of access to your accounts when traveling abroad.
If Bank of America detects suspicious activity in your account, it will contact you immediately to clarify the payment you have made. And you are not responsible for fraudulent transactions as long as you notify them within 60 days.
You can order a new card or a replacement card in the app, deposit checks, check your credit score and configure personalized alerts based on your personal preferences.
So far, the app has received 1.4 million ratings with an average rating of 4.8 out of 5 stars.
For some, this app is considered the best banking app as a whole, however, it is a little below the first place on our list.
The USAA was founded by the military for the military and is primarily marketed to the military.
The app has many useful built-in features and offers Touch ID and Face ID to connect securely.
However, its popularity comes from its voice search capabilities and its digital assistant: EVA.
Just open the digital assistant, ask a question or place an order, and they’ll do exactly what you want or put you in touch with a customer service representative if they’re unable to respond to your request.
On top of that, you can manage your finances, investments and insurance policies in the app, pay your bills, deposit checks and make transactions.
Out of nearly 490,000 ratings in the Apples App Store, the USAAs app has a current rating of 4.8 out of 5.
2. Capital One Mobile
If customer service is important to you, then you should consider using Capital One, as their mobile app has been awarded as “the best in customer service among mobile apps” by J.D Power. This can also be supported by its rating of 4.7 out of 5 stars in the Apples App Store.
In addition to having great customer service, the digital banking app includes all of the features you would expect from the previous banking apps on the list.
For example, you can track your purchases, create alerts and notifications, pay bills, transfer money, keep an eye on your credit score, and lock your credit cards in the app if you lose them.
If you are an Apple Watch user, you will be delighted to know that many features of the mobile app are available on the watch.
So if you like checking your account balances with a twist, try this app.
1. Ally Mobile
The best digital banking app of 2020 is Ally Mobile.
Compatible with iOS and Android, free to download and having a solid 4.8 star rating in the Apples App Store, it is easy to understand why so many people choose to use it above the competition.
The app covers all basic features like money transfer, bill payment and mobile check deposits, as well as investment options, 24/7 human customer service and rates advantageous interest on chequing accounts.
If you are looking to park your money in a savings account, they have you covered too, as they offer some of the best high-yield savings accounts on the market.
The user interface is clean and easy to navigate and you can log in using biometric fingerprint recognition.
Once connected, you can use an integrated application called Card Control, which allows you to customize spending limits and notifications for your debit cards.
Overall, it is the most popular and best digital banking application on the market today. It is worth using if you are looking to create a new checking or savings account and want a simple way to manage and track your finances.
We hope you enjoyed our list of the 10 best digital banking apps in America.
As always with these types of products and services, there are many choices.
However, we hope we have made it easier for you to decide which digital banking application you want to use.
Here is a brief recap of the top 10 digital banking apps in America.
- Ally Mobile
- Capital One Mobile
- Bank of America Mobile Banking
- Chase Mobile
- Wells Fargo Mobile
- PNC mobile application
- Citi Mobile
- Discover Mobile