Capital One Mobile

For Capital One customers, this app is the bank branch that fits in a pocket. It puts all of your accounts in one place — balances up front, statements exportable, and the daily money jobs handled without a phone call or a queue.

The routine stuff is covered end to end: pay bills, keep up with loans, deposit checks from the phone, and send or receive money with friends and family through Zelle®. New plastic arrives and you can activate the credit or debit card in the app; rewards you've earned can be redeemed on the go instead of expiring in a forgotten portal.

The safety tools are the reason many people keep it installed. Alerts and purchase notifications flag activity as it happens, detailed transactions show exactly what each charge was, and if a card goes missing you can lock it instantly from anywhere — then unlock it when it turns up in the couch cushions.

Two extras round it out: CreditWise lets you check in on your credit, and Eno, the built-in assistant, answers account questions in the app. It needs an internet connection, as any banking app does. Nothing flashy here — just the full account, run from the couch.