The app allows you to manage deposit accounts, transfer funds between banks, monitor your credit report, and deposit checks remotely.
Beyond savings, LendingClub also offers unsecured personal loans, auto refinancing options, and certificates of deposit. Note: In April 2026, LendingClub Bank announced it will rebrand to “Happen Bank.” The new name will take effect around summer 2026.
5. Ally Bank – The Most Complete All-Digital Platform
Ally Financial has built a reputation as a versatile online bank. With the Ally mobile app, you can open checking and savings accounts with no monthly maintenance fees and no daily minimum balance. Ally equips its app with comprehensive tools.
You can monitor your credit score, transfer money, use digital budgeting tools, deposit checks remotely, and track monthly cash flow. In addition to standard deposit accounts, Ally also provides auto financing, stock trading, investment advisory services, corporate loans, and home mortgages. Ally is ideal for users who want all financial services under one roof.
6. Zynlo Bank – Auto-Save Through Automatic Round-Ups
ZYNLO Bank focuses on helping you save effortlessly. This digital bank provides free online checking and savings accounts. Zynlo requires no minimum balance and charges no monthly fees. You can check balances, transfer money, deposit checks remotely, and track spending habits.
Zynlo’s flagship feature is automatic round-ups. Every time you make a purchase with your debit card, Zynlo rounds the amount up and automatically transfers the difference to a separate savings account. This method helps you build an emergency fund gradually.
7. Charles Schwab – Worldwide ATM Fee Reimbursement
Charles Schwab is well known as an investment firm, but its banking services are also top-tier. The Schwab app allows you to open checking and savings accounts with no monthly service fees and no minimum balance rules. Through the app, you can track your investment portfolio, move funds, make mobile check deposits, and pay bills for free.
