10 Must-Have Mobile Banking Features to Use in 2025

Mobile banking apps have become a basic necessity, but not all are built equal. As online and mobile banking tools evolve to keep pace with our lives, look for the latest features to manage your account on the go, in all the ways you need.

What if we told you there’s a faster way to log into your mobile banking app? You still need a password, but consider biometric technology the next level of secure mobile banking.

Benefits

• Faster login, no typing needed
• Lower risk of fraud or password theft

How it works

With this login method, you use your fingerprint, facial recognition, or even palm scanning to unlock the app.

CBNA tip

Enable two-factor authentication on your mobile app first, then add biometrics for added protection.

Automation helps you go paperless while avoiding late fees (and the stress that comes with a missed payment).

Benefits

• Schedule recurring payments
• Set alerts for due dates
• Track payment history in real time

How it works

With Bill Pay, you can schedule one-time and recurring payments to people and companies. It’s simple, secure, and all on the app—three must-haves in mobile banking for managing money.

Mobile check deposits shouldn’t be complicated. With a modern app, you can simply snap pictures of the front and back of a check to deposit it.

Benefits

• Deposit from anywhere
• Instant confirmations
• No branch visit needed

CBNA tip

Always endorse checks with your signature, your account number, and “For Mobile Deposit Only” to avoid rejections.

As your needs constantly evolve, so do scammers and their approaches to fraud.

Stay one step ahead and set mobile banking fraud alerts for specific transaction types, amounts, or locations. It’s a small step that can boost your online banking security in a big way.

Benefits

• Alerts for unauthorized inquiries
• Location-based activity tracking
• Text, email, or in-app notifications

Why it matters in 2025

According to Javelin Research, 1 in 20 Americans were victims of financial fraud in 2024. The same study shows that early alerts reduce risk by 75%.

Lost your wallet or left your card somewhere? Your banking app can lock your card to prevent or limit any unauthorized attempts to use it. Find it? You can turn it back on through the app and go back to normal.

Benefits

• Toggle cards on/off
• Set spending limits and alerts
• Decline transactions

Manual spreadsheets are a thing of the past. Today’s mobile budgeting tools are designed to make managing your expenses easier. The tool does the tracking for you, so you can focus on your goals and spending habits.

Benefits

• Set and track financial goals
• Create budgets and track spending habits
• Map out spending in our cashflow calendar
• Monitor your spending across accounts

Split dinner, pay your pet sitter, or get your gas money instantly with payment app integrations like Zelle®.

Benefits

• Real-time transfers¹
• No external app switching
• Send money using just an email address or U.S. mobile number

CBNA tip

Check your budget and always verify recipient info. Mistakes are expensive.

Stay on top of your credit score with CBNA Credit Companion℠, a free tool built right into our mobile banking app. Check your score anytime, get alerts when it changes, and get personalized insights to help improve it.

Benefits

• Free credit reports anytime
• Won’t affect your credit
• Won’t show up on your credit report

CBNA tip

Pair credit monitoring with fraud alerts for a one-two punch of security and financial awareness.

Speaking of making life easier, sometimes you just need to bypass the hold music (catchy as it may be). Modern mobile banking comes standard with an in-app chat that’s helpful, human, and fast.

Benefits

• Get help in app
• Consult with a live, local agent
• FAQs tailored to your account

How it works

A chat function allows you to ask a question and get a response from anywhere without the need to visit or call a branch location.

Mobile wallets aren't technically benefits of mobile banking apps because they operate independently as a separate app. However, they’re essential mobile features to look for when choosing a banking account.

Benefits

• Store your cards on your smartphone or smartwatch
• Encrypted card information
• Full app sync with tablet, phone, and laptop
• An extra layer of security for a more secure, easy way to pay

How it works

Your mobile wallet replaces the need for cash or cards, putting the power of payment entirely in your phone.

Whether you’re checking balances at the coffee shop or sending money to your housemate for utilities, the best banking app features in 2025 make managing money effortless. Security, automation, and personalization aren’t just trends—they’re necessities.

Ready to bank smarter? Learn more about the Community Bank mobile banking app and manage your account on the go.