List Of The Best Banking Applications In 2024

Mobile banking apps have advanced significantly. Mobile check deposit was formerly thought to be cutting-edge technology. Consumers have come to expect this type of capability, as well as seamless money transfers, ATM locators, bill pay, and other features. Some apps now allow you to track accounts from different financial institutions

Others include integrated financial wellness and budgeting solutions. Some apps transform your smartphone into a digital wallet. If mobile offerings are important to you when choosing a bank, we’ve compiled a list of the top five banking applications in 2024.

Best 5 Banking Applications In 2024

Bank of America

Bank of America’s in terms of security that this app shines. You can set up travel notices for qualified accounts so that you don’t lose access to your funds while away from home. You can also use the app to activate your card or order a replacement.

In addition, if the bank determines suspicious activity, it will contact you to verify transaction activity. Also, if you inform Bank of America within 60 days of the transaction first appearing on your statement, you will not be held liable for fraudulent mobile banking activities.

Ally Bank

Ally Bank is one of the most prominent firms in the world of Internetbanking. As a result, it’s no surprise that the bank prioritizes providing the best mobile banking experience possible.Ally Bank covers all of the fundamentals, such as online bill pay, mobile check deposits, free money transfers, transaction and balance histories, and an ATM location.

It also has a simple and user-friendly UI. You can save your password and use your fingerprint to log in. You can track all of your accounts from your mobile device once you’ve logged in. That means you can keep track of everything from your savings account to your CD to your retirement account (IRA).

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You can even trade stocks and monitor investment success from your phone. While you’re at it, the Ally Bank app provides the most recent market news to assist you in making the best investment decisions from the convenience of your own home. In addition, Ally provides simple access to your statements and tax forms. You can also download a built-in application called Card Controls from the Ally Bank app. This allows you to customize your debit card. You can, for example, set limits on spending and control notifications.

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Synchrony Bank

Synchrony Bank’s mobile banking app receives high ratings from Android as well as iOS users, perhaps since it is useful for more than just paying bills, depositing checks, and initiating transfers. It also allows you to keep track of your credit card usage and balances.

Users benefit from competitive APY rates on CDs, high-yield savings accounts, and money market accounts, all of which include ATM cards as an option. The bank has no minimum balance requirement for its savings or money market accounts. ATMs in the MoneyPass and Co-op networks are fee-free.

PNC Bank

If you dislike carrying your card or often forget to bring it with you, the PNC mobile banking applications may be for you. While some banking apps allow you to use your phone as a debit card, PNC Bank allows you to utilize your credit and SmartAccess prepaid cards as well. You’ll never have to worry about being unable to make a transaction because you misplaced or lost your card with this application.

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On the Apple app store, consumers give the PNC mobile banking app a near-perfect rating of 4.8 stars out of 5. PNC’s Google Play Store rating is 4.5 stars out of 5, indicating that Android users like the app as well.


Discover’s mobile banking app includes all of the bells and whistles you’d expect from a huge financial institution. It goes a step further, however, by offering Discover Deals to its customers. This in-app marketplace provides discounts on the most recent brands. As a result, the Discover app is a solid choice for those of you serial shoppers and bargain hunters out there.

You may also use the app to redeem your credit card rewards. You may also view your FICO credit score, and iPhone users can add Discover cards to their Apple Pay Wallet directly from the app.

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Are banking apps safe?

Yes. Banking applications may be safer than online banking because they do not save any data. Unlike your browser, well-designed apps provide built-in security and do not save your personal information on your device. Furthermore, banking apps encrypt your data before it leaves your smartphone, so you can be confident that banking apps are secure.

However, mobile banking is not without risk. Fakes can appear in app stores, and malware that targets mobile phones exists. We recommend that you only download banking apps from official app stores and keep your software up to date.

Tips on Finding the Best Mobile Banking Apps

If you’re ready to move beyond bank accounts, a financial counselor can assist you in developing a plan to fulfill additional financial objectives. Finding a competent financial advisor does not have to be difficult. 

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Some banks have better digital and mobile banking services than others, so browse around and see what works best for you. Of course, fintech app and website are only one part of the puzzle; you’ll also want to ensure that you’re getting a fair interest rate. 

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Mobile banking applications are rapidly developing, and you can expect that consumer demand will dictate its development. You should also expect tech-focused banks to make significant investments in upgrading their products. But, with so many options available, you must ask yourself what you truly want from a banking app.

Do you want to be able to access several accounts and use your phone as a digital wallet? Or do you prioritize security above all else? What about trading stocks and making other investments? There’s always an app for that. SmartOSC is working with more and more banking apps. Contact us today to learn more about how our technology might benefit your app. Our team is available to provide any assistance or guidance you require.


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