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5 Tips for Selecting the Best Banking App for You

5 Tips for Selecting the Best Banking App for You

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Banking apps can really make your life much easier as you don’t need to be near a computer or go to the bank to manage your money. But with so many choices, it can be hard to pick the right one. We put together a list of the top 5 things you should consider, so you can easily find the perfect app.

Do you want to pay your bills online? Need to make transfers on-the-go? Think about what you want to accomplish, so you can find the best one to suit your needs. Here are a few things to consider.

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  1. Set up accounts with your favorite banks that you trust
  2. Compare accounts to make the most of your money
  3. Give yourself options & bank for both big & small businesses
  4. Access your money around the world for extra convenience
  5. Stay informed by learning important banking terms

Most banks around the world have dedicated banking apps, so you can easily manage your account and do all your banking right on your phone. So, if you already own an account with a bank like Bank of America, REI US Bank, Wells Fargo, Bank of the West, Chase Bank, Citibank or Sallie Mae, then you’ll want to use their exclusive app to get 24/7 access to your account.

If you are thinking of opening an additional savings account or checking account with your bank, there is no need to visit your local bank. Many bank apps now offer in-app features that let you set up your new account right from your phone.

Banks also compete by offering unique bargains like savings accounts with high interest rates and zero fees. By downloading a banking app with your favorite bank, you can also access other services they may offer, like managing your credit card and mortgage accounts or handling your business transactions.

Whether you own bank accounts in one bank or multiple banks, having their apps on your phone will also let you access important account information like your routing number or bank statement when you need it. Don’t worry. All your information is kept safe with password protection!

If you want to take out cash at your bank’s ATM but don’t know where to find one, you can easily view nearby ATM locations directly from your bank’s app. You can also contact your bank’s customer service straight from the app if you have problems with your debit card pin number. No need to make a phone call!

Banks usually offer different types of savings and checking accounts. If you are planning on opening a new account, you’ll want a banking app that lets you compare interest rates, fees, minimum balances, and other conditions. Online account comparison tools will enable you to quickly evaluate options, so you can easily make the best decision.

For anyone who wants to make the most of your money, you might prefer an app that lets you compare account options. By having all the information, you need at your fingertips you can easily find the best option to obtain high yield from your money.

Do you handle business payments on a regular basis? A banking app with dedicated features for managing your business’ finances can enable you to take care of payroll, monitor cash flow, and more on-the-go.

Whether you own a large or small business, business payment transactions usually need to be taken care of quickly. If you are out of the office, this could pose a problem as sometimes a payment simply cannot wait. A banking app with business tools will let you process any transaction regardless of where you are, so your business keeps running smoothly.

For those of you looking for an easy way to manage your business’ finances, you may benefit the most by using a banking app with payroll tools, card controls, transaction alerts, and other specialized tools. Unfamiliar with how to use some of the features? Instantly view a PDF file with an introduction to business banking so you can take care of your business payments like a pro.

If more than one person has access to its banking services, you can ensure your business banking remains secure by using sub-user management tools and advanced security features like token authentication and fraud detection. With a dedicated business banking app, you will handle all your business payments quickly and securely!

Are you traveling or going on a trip soon? Accessing your money while you are away from home is crucial, so you want to make sure your banking app gives you complete control over your money wherever you are.

Banks will typically block your debit or credit cards if they detect that they are being used outside of your home city. If you are going to travel soon within the US or overseas, you’ll want a banking app that lets you set travel notices, so you can continue using your cards without any issues.

For those of you who are out of town and need to find a bank near you, you’ll want a banking app that uses your GPS location to tell you where the closest banks are. So, whether you are on a business trip in Texas or vacationing in India, you’ll easily locate a bank when you need it.

Keeping track of expenses is crucial while traveling, the last thing you want to do is to run out of money in the middle of the trip! Keeping a worldwide banking app at your fingertips will let you monitor your checking account, savings account, and credit card expenses whether you are at the airport, hotel or the beach.

When it comes to managing money, it seems like there is an entire universe of specialized words and functions that you don’t learn about growing up. Unless you work at the bank or studied finance, it is easy to be overwhelmed.

For those of you who are not familiar with banking terminology, a banking app with a tutorial or a help feature can be a great way to get started. With banking definitions at your fingertips, you will always be sure about any transaction you make.

If you are unsure about what type of bank account you should open, you might prefer an app where you can instantly chat with customer service. They will be more than eager to help you understand the different types of accounts, so you can be confident in your choice.

Whether you are considering investment options, or you are confused about a new banking tool, using a banking app with a help feature will enable you to learn everything you need to know. No need to study the history of banking or major in finance to get all your banking done!

Now you know everything you should consider about banking apps before you make your final choice. So, go ahead and check out our Best 10 Banking Apps!

  • HDFC Bank MobileBanking
    10

    HDFC Bank MobileBanking

    HDFC Bank MobileBanking - The official mobile banking app of HDFC Bank. Life can be stressful, but banking doesn’t have

    HDFC Bank Ltd

    2.0 524 Reviews
    Free Install
    • Free
    • Fresh
    HDFC Bank MobileBanking
  • PNC Mobile
    9

    PNC Mobile

    Get 24/7 access to PNC Bank accounts and find the nearest branch or ATM.

    PNC Bank, N.A.

    4.7 582K+ Reviews
    1M+
    Free
    • 947 users said "mobile deposits"
    • Free
    • Feature Rich
    • Editor's Choice
    PNC Mobile
    • I rate PNC Bank with five stars based upon the customer service I received in my local branch. The manager and the representative and the tellers are all wonderful and I enjoyed going into the bank just to say hello to them. I also think the mobile app is very convenient and I enjoy being able to deposit checks from my phone. I think the bill payment system can be more like the online system so you can just put in all of your bill payments at once and push submit rather than going back-and-forth for each one; that’s a bit tiresome. But overall five stars.

      Suzybootz
  • Fifth Third Mobile Banking
    8

    Fifth Third Mobile Banking

    If your phone is on, your bank is open.

    Fifth Third Bank

    4.4 46K+ Reviews
    1M+
    Free
    • 116 users said "mobile deposits"
    • Free
    • Feature Rich
    • Editor's Choice
    Fifth Third Mobile Banking
    • great when it works, but you need better customers service cause it took some one higher up to help me with the problem I was having for 3 weeks on record, but I was trying my hardest to do it own my own for 2 weeks untill I called my local bank and problem soled in 1 an a half days! and for what I went through with customer service terrible

      Thomas Nippert
  • BBVA United States
    7

    BBVA United States

    The completely new Version of BBVA Mobile Banking is now even better!

    BBVA

    4.7 185K+ Reviews
    1M+
    Free
    • 10 users said "great customer service"
    • Free
    • Feature Rich
    • Editor's Choice
    BBVA United States
    • there were times were I've had unauthorized transactions but only two in my years with BBVA, and for both of those times they were able to help me gain back what I have lost, and for that I am very happy for the help and service!

      Warlord297 :3
  • M&T Mobile Banking
    6

    M&T Mobile Banking

    Now With More of What’s Important – including Zelle ® !

    M&T Bank

    3.6 9K+ Reviews
    500K+
    Free
    • Free
    • Editor's Choice
    M&T Mobile Banking
    • This app allows me to maintain all my finacial business and keeps me abreast of what I have in my accounts its a very resourceful tool to have

      Spring Meekins
  • Arvest Go Mobile Banking
    5

    Arvest Go Mobile Banking

    Download Arvest Go for a modern banking experience

    Arvest Bank

    4.8 81K+ Reviews
    100K+
    Free
    • 15 users said "mobile deposits"
    • Free
    • Feature Rich
    • Editor's Choice
    Arvest Go Mobile Banking
    • the bank is awesome, day after opened my checking account the manager called to see if I needed anything, then 15 days later called again to make sure I had received my debit card and was happy with everything, after a month received a letter welcoming me to there bank for the second time and to let me know if I needed anything from my account to a loan they were there to help! I have NEVER had any other bank make half that effort. THANK YOU location of contact hot springs village highway 7 Ar.

      Debbie Scott
  • Union Bank Mobile Banking
    4

    Union Bank Mobile Banking

    Access your accounts on the go with Union Bank for Consumers and Small Business

    Union Bank

    3.8 8K+ Reviews
    1M+
    Free
    • 15 users said "mobile banking"
    • Free
    • Editor's Choice
    Union Bank Mobile Banking
    • update 5-15-19, whatever the issue, it's working again and the app wasn't updated. can't log in now, tried 2 phones, one worked with finger print reader, tried to log in with user and pw to test and now it doesn't work either. historically it's worked well though, so no one star review, yet.

      Bill Fastenau
  • Regions Bank
    3

    Regions Bank

    Regions Bank Mobile Banking for Android.

    Regions Bank

    3.4 34K+ Reviews
    1M+
    Free
    • 167 users said "handy"
    • Free
    • Feature Rich
    • Fresh
    • Editor's Choice
    Regions Bank
    • Well I read all the reviews and complaints and downloaded it anyway . Didnt have any troubke at all put in my passwords and it went right to my account . Maybe you people just arent holding you mouth right like my grandpa used to say when i wasnt catching any fish . LOL

      Kayla Simmons
  • Citizens Bank Mobile Banking
    2

    Citizens Bank Mobile Banking

    Bank from anywhere with the Citizens Bank Mobile Banking App

    Citizens Bank, N.A.

    3.8 33K+ Reviews
    1M+
    Free
    • 10 users said "great service"
    • Free
    • Feature Rich
    • Editor's Choice
    Citizens Bank Mobile Banking
    • ⭐️⭐️⭐️⭐️⭐️ I have been with Citizens since they bought the retail side of MELLON, now BNYMellon... now that’s a long time. Though when they were crossing over to join with NewEngland’s mainframe & Mellon’s there was a 5 day delay in a deposit made at the ATM in the “lobby” of Citizens main branch in downtown Pittsburgh. It was explained they had to mail those deposits to Boston, MA. Image 5 days of ISFunds🤦‍♀️ That branches manger wasn’t pleased that I was adamant in this was not my problem but his. I’ve been in the financial district & trust funds along with private wealth and programming since 1977. All charges returned. Once both mainframes and/or software was in-line with parallel running & output, all challenges from the 2 Citizens locations & updates were on target. On ANY situation I call ANY support department I receive excellent assistance from a very articulate & knowledgeable individual, be I correct or not in the topic at hand. May I suggest you check your account each morning. It allows you to know where your balance is, how you got there and should you have any questions ... you may then address them ASAP ‼️

      gingras'
  • Bank of America Mobile Banking
    1

    Bank of America Mobile Banking

    View balances, make transfers, deposit checks with the Bank of America App.

    Bank of America

    4.6 2M+ Reviews
    10M+
    Free
    • 602 users said "great service"
    • Free
    • Feature Rich
    • 1M+ Reviews
    • Editor's Choice
    Bank of America Mobile Banking
    • Great with Liliana Vigil . I was so very impressed she did and super job with all I needed done. She is the kind of person that when you come to the Bank and leave you feel everything is right. I sent her flowers today because I wanted her to know I was a happy customer. She deserves a raise!!!!! A big asset to your company. Ms. Carolyn Smith !!!!

      Carolyn Smith

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