We analyze the top bank accounts in the nation to uncover which have the best earnings and benefits at the lowest fees. Learn more about our methodology here. Bank awards methodology | Previous Award Winners

1. Best Mobile Bank with Money Management Tools

Simple

B+ MyBankTracker Rating

Great design. Safe-to-Spend monitoring. Freeze Debit Card. Customer Service Chat.

Simple stands strong with its unbeatable mobile banking application. Designed specifically for mobile banking, Simple offers an intuitive app and useful account management features. Simple’s Safe-to-Spend keeps you up to date on your spending so you can monitor your balance and prepare for upcoming bills and future goals. The account also has no monthly fees or overdraft fees. Meanwhile, you get an expansive surcharge-free ATM network.

  • Earn

    Goal-setting feature makes it easier to achieve savings goals

  • Fees

    No monthly fees or overdraft fees

    Surcharge free ATM access at over 57,000 STAR Network ATMs

  • Benefits

    Safe-to-Spend helps you manage your spending and goals

    Well-designed mobile app available on the Apple App Store and Google Play

2. Best Mobile Bank for Comprehensive Account Management

Capital One

A+ MyBankTracker Rating

Customizable layout. Free Credit tracking. Fingerprint authentication. Apple & Android Pay.

Capital One has one of the most comprehensive mobile banking experiences. With Capital One’s mobile app, you get swipe-recognition security (in addition to fingerprint authentication), the ability to redeem credit cards rewards, the ability to lock Capital One cards, and access to CreditWise (a credit score tool). It’s a good thing that Capital One has such great mobile apps because the bank offers some of the most popular bank accounts and credit cards. The Capital One 360 savings account has a great interest rate while Capital One credit cards provide stellar rewards.

  • Earn

    Capital One 360 Money Market Accounts offers a 1.00% APY on balances of $10,000 or more

    Capital One 360 Online Savings Accounts comes with 0.75% APY on all balances

    Capital One Venture Rewards credit card offers 2x miles on all spending - one of the best travel credit cards available

  • Fees

    Capital One 360 accounts don’t have any fees

  • Benefits

    Person2Person Payments allow you to send money to friends with ease

    CreditWise allows you to monitor your credit score for free

    Capital One Wallet helps you track your spending

    Mobile app available on the Apple App Store and Google Play

3. Best Mobile Bank for Extra Features

BBVA Compass

B+ MyBankTracker Rating

Customer Service Call Scheduling. Fingerprint Authentication. Apple & Android Pay

BBVA Compass has a feature-rich app with intuitive design. Its apps are still recognized for ease-of-use and predictive design that anticipates your next action. BBVA Compass has recently added fingerprint authentication to its app, adding an extra layer of security that anyone can appreciate. If you need to talk to a BBVA associate, simply use the “schedule a call” feature. You can avoid long and frustrating hold times on the phone.

  • Earn

    Simple rewards credit card that has no annual fee and a potential low APR

  • Fees

    Completely-free checking is available

    Partnered with the Allpoint ATM network for surcharge-free ATM access

  • Benefits

    Video banking allows you to connect with a virtual teller 24/7

    Free access to concierge bankers, who you can reach via text, email, chat, or phone

    Popmoney allows you to send money to friends with ease

    Mobile app available on the Apple App Store, Google Play, and for Amazon

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