If you manage your finances on your phone or computer, you know how important it is to work with an institution with easy-to-use digital tools. Kiplinger Personal Finance recently reviewed apps and websites to find the finance companies with the best digital tools.
The bank’s mobile app and website are the most user-friendly of the bunch, combining simple navigation, an attractive interface, and a handy set of features for bank customers.
Account balances are displayed clearly and prominently on the home page, and you can drill down into each account to see a list of recent transactions and other details.
One notable feature of the app: Instead of tapping a button to complete certain transactions, such as transferring funds or depositing a check, you drag the button across the screen.
Best card issuer: American Express
The company’s mobile app and website are easy to navigate, yet offer many features and functions.
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It’s easy to find and use a chat box that provides automated answers to your questions, as well as live access to customer service representatives. Your statement balance, total balance, and payment due are highlighted at the top of the home page, and recent transactions are listed below.
Clearly marked buttons take you to pages for statements, payments, viewing and redeeming rewards balances, and managing tasks such as replacing a damaged or stolen card and modifying account notifications. And customers in the Membership Rewards program can rank card benefits in the app and use tools on the go.
Best Mortgage Lender: US Bank
Through the US Bank website and mobile app, you can view current wait times to speak with a customer service representative over the phone and request that a representative call you if you prefer not to wait on hold.
Customers can also “co-browse” with bank representatives, allowing them to share their screen so they can navigate the website or app together. And last summer, the bank introduced one-way representative video so customers can see the person they’re talking to.
In response to the influx of mortgage customers needing financial accommodations as the pandemic brought the economy down, US Bank added the ability for customers to make payments through its assistance program web portal. And all the basic tools stand on their own.
Geico gets the nod as our digital winner among insurers, with a clean, well-designed app and website that provides great features for customers and non-customers alike.
As a Geico customer, you can use the app to get digital insurance ID cards on the go, get roadside assistance, send photos to get a vehicle damage estimate in about 20 minutes, make payments, and chat with an assistant virtual on billing, policies and other issues.
Visit Kiplinger.com for more information on this and other money-related topics.