Stay on budget — and on the go — with a mobile banking app

September 21, 2022

A good mobile banking app helps you track your spending, watch your balances and manage your budget.


Planning a budget is often easier than actually sticking to it. But if you use the right tools, you can spend within your means without feeling like it’s a chore. A handy tool is probably right under your nose: your bank’s mobile app.

A banking app keeps you in touch with your account balance and, possibly more importantly, it lets you see your spending habits. If you haven’t already downloaded one for your mobile device, you may be missing out on a great money management tool.


Why use a mobile banking app?

A mobile banking app’s features are tailored to the types of tasks you can do on your mobile device while on the go, so they’re all about speed and convenience. They give you a quick and easy way to do things, like check your balance before you make a purchase so you don’t unintentionally overdraw your account or exceed your personal budget. They may also offer capabilities that are not available elsewhere, such as the ability to deposit a check using the camera feature of your device.


What can mobile banking apps do?

In addition to letting you view recent transactions and account balances, mobile banking apps may let you:

  • Set alerts that let you know when your balance drops below a certain level or when a withdrawal is made
  • Deposit a check into your account by snapping a photo of it on your device
  • Transfer money between accounts
  • Transfer card balances
  • Pay bills
  • Send or receive money
  • Locate branches and ATMs


How safe is mobile banking security?

Apps from reputable banks have built-in security features for mobile banking. For instance, apps don’t store your personal or financial information on your phone, and they might log you out when you’ve been inactive for a certain amount of time. In addition, if someone does access your information, you can report the suspicious activity to your bank right away to protect your account before any damage can be done. This fraud protection, coupled with alerts, can maximize your mobile banking security.


Should you download an app from your bank?

In a word, YES. When deciding how to manage your money, a mobile banking app is a great way to ensure you’re sticking to the budget you’ve created. Not only can your banking app help you manage and track your spending, it’s secure and easy to use.



This is just the beginning of the conversation about how a U.S. Bank mobile app can simplify your life and meet your banking needs.

Learn about our Mobile and Online Banking options with Digital Explorer, a quick and easy way to help you understand all you can do digitally at U.S. Bank.

Related content

U.S. Bank asks: Do you know what an overdraft is?

U.S. Bank asks: Do you know your finances?

U.S. Bank asks: What do you know about credit?

U.S. Bank asks: Transitioning out of college life? What’s next?

Webinar: U.S. Bank asks: Are you safe from fraud?

How to increase your savings

How to manage your finances when you're self-employed

Changes in credit reporting and what it means for homebuyers

What’s the difference between Fannie Mae and Freddie Mac?

Know your debt-to-income ratio

Your guide to breaking the rental cycle

Allowance basics for parents and kids

7 steps: How couples and single parents can prepare for child care costs

How I did it: Built living spaces to support my family

Tips for handling rising costs from an Operation HOPE Financial Wellbeing coach

Practical money skills and financial tips for college students

How can I help my student manage money?

Adulting 101: How to make a budget plan

Webinar: Smart habits and behaviors to achieve financial wellness

What I learned from my mom about money

Preparing for adoption and IVF

Personal finance for teens can empower your child

Webinar: Mobile banking tips for smarter and safer online banking

P2P payments make it easier to split the tab

How to track your spending patterns

It's possible: 7 tips for breaking the spending cycle

College budgeting: When to save and splurge

Are professional movers worth the cost?

You can take these 18 budgeting tips straight to the bank

Earning in the gig economy: Gladys shares her story

How to Adult: 5 ways to track your spending

How to choose the right business checking account

How to manage money in the military: A veteran weighs in

Family planning for the LGBTQ+ community

Preparing for homeownership: A guide for LGBTQ+ homebuyers

How I did it: Turned my side hustle into a full-time job

Practical money tips we've learned from our dads

Get more home for your money with these tips

Beyond the mortgage: Other costs for homeowners

8 tips and tricks for creating and remembering your PIN

4 ways to free up your budget (and your life) with a smaller home

Certificates of deposit: How they work to grow your money

Do you and your fiancé have compatible financial goals?

Financial checklist: Preparing for military deployment

5 tips for creating (and sticking to) a holiday budget

Tips for working in the gig economy

How to decide when to shop local and when to shop online

Your 4-step guide to financial planning

9 simple ways to save

Good money habits: 6 common money mistakes to avoid

Here’s how to create a budget for yourself

Lost job finance tips: What to do when you lose your job

Growing your savings by going on a ‘money hunt’

Key components of a financial plan

Community activist achieves dream of homeownership

A who’s who at your local bank

Saving for a down payment: Where should I keep my money?

3 financial tools to help automate your finances

What financial advice would you give your younger self?

Tips to raise financially healthy kids at every age

The mobile app to download before summer vacation

Consolidating debts: Pros and cons to keep in mind

7 financial questions to consider when changing jobs

Webinar: Mindset Matters: How to practice mindful spending

3 awkward situations Zelle can help avoid

Should you buy a house that’s still under construction?

What’s in your emergency fund?

Don’t underestimate the importance of balancing your checking account

Overcoming high interest rates: Getting your homeownership goals back on track

How to be prepared for tax season as a gig worker

How to gain financial independence from your parents

Should you buy now, pay later?

Helpful tips for safe and smart charitable giving

A passion for fashion: How this student works the gig economy

3 ways to keep costs down at the grocery store (and make meal planning fun)

6 pandemic money habits to keep for the long term

6 questions to ask before buying a new home

5 things to consider when deciding to take an unplanned trip

Webinar: Mortgage basics: How much house can you afford?

Dear Money Mentor: How do I set and track financial goals?

I own two electric vehicles. Here’s what I’ve learned about buying and driving EVs.

Military homeownership: Your guide to resources, financing and more

Working with an accountability partner can help you reach your goals

Is it cheaper to build or buy a house

30-day adulting challenge: Financial wellness tasks to complete in a month

What are conforming loan limits and why are they increasing

Bringing economic opportunity to underserved communities one home at a time

How do I prequalify for a mortgage?

8 steps to take before you buy a home

First-time homebuyer’s guide to getting a mortgage

How to use your unexpected windfall to reach financial goals

Money management guide to financial independence

Home buying myths: Realities of owning a home

Booming in the gig economy: A new chapter leveraging 45 years of experience

By the numbers: The gig economy

What military service taught me about money management

Improving your credit score: Truth and myths revealed

Common unexpected expenses and three ways to pay for them

How to best handle unexpected expenses

Financial gifts can be a valuable – and fun – choice for the holidays

Stay on budget — and on the go — with a mobile banking app

For today's homebuyers, time and money are everything

Transitioning from the military to the civilian workforce

How I did it: Deciding whether to buy an RV

How I kicked my online shopping habit and got my spending under control

How I did it: Bought a home without a 20 percent down payment

The lowdown on 6 myths about buying a home

Multiple accounts can make it easier to follow a monthly budget

How I did it: Learned to budget as a single mom

Overdrafts happen: Steps to get you back on track

Quiz: How prepared are you to buy a home?

Checklist: 10 questions to ask your home inspector

Webinar: Common budget mistakes (and how to avoid them)

How to save for a wedding

How to save money while helping the environment

Save time and money with automatic bill pay

Webinar: Uncover the cost: Wedding

How I did it: Bought my dream home using equity

Buying a home Q&A: What made three homeowners fall in love with their new home

Spring cleaning checklist for your home: 5 budget-boosting tasks

Checklist: 6 to-dos for after a move

Webinar: Uncover the cost: Building a home

How you can take advantage of low mortgage rates

Webinar: Uncover the cost: Home renovation

What to know when buying a home with your significant other

Webinar: Mortgage basics: Buying or renting – What’s right for you?

Webinar: Mortgage basics: Prequalification or pre-approval – What do I need?

Webinar: Mortgage basics: How does your credit score impact the homebuying experience?

Webinar: Mortgage basics: Finding the right home loan for you

Webinar: Mortgage basics: 3 Key steps in the homebuying process

11 essential things to do before baby comes

Webinar: Uncover the cost: Starting a family

Closing on a house checklist for buyers

Webinar: Uncover the cost: College diploma

How to save money in college: easy ways to spend less

Is online banking safe?

Crypto + Homebuying: Impacts on the real estate market

Costs to consider when starting a business

Does your side business need a separate bank account?

Start of disclosure content

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, home equity and credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.