The Best Digital Banking Apps In America in 2024


The Best Digital Banking Apps In America in 2024: The list of digital banking apps and figures mentioned below have been compiled from various sources around the web, such as The BalanceGo Banking Rates & Smart Asset.

List of The 10 Best Digital Banking Apps In America in 2024

1. Ally Mobile

The best digital banking app of 2024 in America goes to Ally Mobile.

Compatible with each iOS Android, free to download, and having a stable 4.8 big name ranking in Apple’s App Store, it’s handy to see why so many humans are selecting to use it above the competition.

The app covers all the simple features, like transferring money, paying payments, and cell cheque deposits, as nicely as includes funding options, 24/7 human client carrier, and upper pastime charges on checking accounts.

2. Capital One Mobile

If patron carrier is necessary to you, then you need to reflect on consideration the use of Capital One, as their cellular app was once awarded “The Highest in Customer Service Among Mobile Apps” by using J.D Power. This can additionally be backed up through its 4.7 out of 5-star ranking in Apple’s App Store.


For some, this app is regarded to be the first-rate banking app overall, however, it falls a little quick from the pinnacle spot on our list.

USAA was once centered on utilizing army individuals for navy individuals and is more often than not marketed to humans inside the military.

4. Bank of America Mobile Banking

The Bank of America digital banking app lets you do a wide variety of matters comparable to the preceding apps on the list.

However, this app is pleasantly acknowledged for its security. For instance, if you set up tour notices inside the app, you shouldn’t journey any resistance or lack of getting right of entry to your money owed when visiting abroad.

5. Chase Mobile

The subsequent great digital banking app on our listing is the Chase Banks cell app. 

If you’re a Chase customer, you can download the app, the signal in, and start to revel in all the app has to offer.

For example, if you want to go your cash around, pay some bills, switch cash to a friend, or even credit score cheques, then Chase Mobile has you covered.

6. Simple

Managing your cash can be difficult, however, Simple has tried to get rid of that problem with their cellular app.

They favor making cell banking as easy as viable and consequently have covered loads of beneficial features.

To commence with, you can calculate a price range at once inside the app, and then the “Safe-to-Spend” issue will calculate what you have accessible to spend after all your payments and repayments are deducted. This leaves you with an awful lot higher grasp of what disposable profits you have accessible to spend.

7. Wells Fargo Mobile

If you have investments that you’d like to monitor, even as additionally preserving an eye on account balances and savings card transactions, then the Wells Fargo cell app has obtained you covered.

The app presents greater than simply simple account monitoring of your checking and financial savings accounts. It additionally approves you to preserve tabs on your investments, and the capacity to make investments in different shares and mutual funds.

8. PNC Mobile App

In phrases of format and standard UI, this app may want to use a little freshening up in places. However, sketch aside, it nevertheless received a 4.8 out of 5-star ranking in Apple’s App Store. If you’re a large fan of the use of your cellphone for repayments and leaving your playing cards at home, then PNCs digital banking app ticks all the proper boxes.

9. Citi Mobile

The Citi cell banking app is free to download for all current clients and is presently rated 4.8 out of 5 stars.

You can use the banking app to manipulate all of your financial institution bills and credit score playing cards in one place and switch cash between each if desired.

Like most banking apps now, you can do all the ordinary matters like checking your account balances, transferring cash between bills, and maintaining an eye on your current transactions.

10. Discover Mobile

As you’d anticipate from a financial institution of this proportion, their app has all the bells and whistles you want to do most of your banking on the go.

Set up Touch ID or Face ID, and you’ll be capable to log in in a breeze.

Once you’re logged in, you’ll be capable to take a look at your account balances, continue to be up to date with your latest transactions, and shipping cash to whomever you like. 

What’s cool with this app, is that if you use the speedy view feature, you can test your balances and latest undertaking except even logging in.


What are some of the best digital banking apps in America in 2024?

Some of the top digital banking apps in America in 2024 include Chime, Ally Bank, Capital One 360, Varo, and SoFi. These apps are highly rated for their user-friendly interfaces, robust features, and excellent customer service.

What features should I look for in a digital banking app?

When choosing a digital banking app, look for features such as no-fee accounts, high-interest savings, budgeting tools, mobile check deposits, bill pay options, real-time notifications, and strong security measures like biometric login and two-factor authentication.

Are digital banking apps safe to use?

Yes, digital banking apps are generally safe to use. They employ advanced security measures such as encryption, biometric authentication, and real-time fraud monitoring to protect users’ personal and financial information. It’s also essential for users to follow best practices, such as using strong, unique passwords and keeping their devices secure.

Can I get a loan or credit through digital banking apps?

Many digital banking apps offer lending and credit products. For example, SoFi provides personal loans, student loans, and mortgage refinancing, while Chime offers a feature called Credit Builder to help users build credit. It’s important to review the terms and conditions of any financial products offered through these apps.

How do digital banking apps compare to traditional banks?

Digital banking apps often provide lower fees, higher interest rates on savings, and more user-friendly interfaces compared to traditional banks. They also offer the convenience of managing finances entirely through a mobile app. However, they may lack physical branches, which could be a drawback for those who prefer in-person banking services.

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