2025 Online Banking Scorecard
- Date:June 18, 2025
- Author(s):
- Mark Schwanhausser
- Emmett Higdon
- Dylan Lerner
- Gregory Magana
- Lea Nonninger
- Report Details: 54 pages, 30 graphics
- Research Topic(s):
- Digital Banking
- Mobile & Online Banking
- PAID CONTENT
Overview
U.S. Bank won Best in Class in Javelin Strategy & Research’s 2025 Online Banking Scorecard for the second consecutive year—a feat it matched in the 2025 Mobile Banking Scorecard. Javelin ranks the 20 top U.S. financial institutions based on 235 criteria in six categories, which are weighted according to consumer satisfaction with digital banking: Ease of Use, Security Empowerment, Customer Service, Money Movement, Financial Fitness, and Relationship Deepening.
U.S. Bank topped the charts in Money Movement and placed second in Ease of Use and Customer Satisfaction—three categories that cumulatively drive 57% of satisfaction with digital banking. The overall leaderboard was also notable for the appearance of two new FIs, with Navy Federal charging hard into second place and Truist a notch behind.
The 2025 scorecard tells the story of:
- The evolving role of chatbots across five categories—and their shortcomings.
- The push to develop easy-to-find security centers and effectively deputize customers in the war on fraud.
- The struggle to simplify money movement options and integrate Zelle and instant payments more effectively.
- Continuing uncertainty over how to successfully rethink financial fitness to create help-me-do-it, advice-driven experiences.
- Barely tapped opportunities to target nontraditional households, parents teaching kids about money, and older customers who can open the door to family relationships.
Key questions discussed in this Mobile and Online Banking report:
- What strategic goals should digital banking leaders prioritize?
- Which online features will help an FI stand out from the pack?
- How are leading FIs pointing the way in online banking?
Companies Mentioned:
Ally Bank, Bank of America, BMO, Capital One, Carefull, Cash App, Chase, Chime, Citi, Citizens, Credit Karma, Credit Sesame, Facebook, Fifth Third, Fiserv, Greenlight, Huntington, Key, M&T, MX, Navy Federal, PayPal, PNC, Regions, Santander, SoFi, Synovus Bank, TD Bank, Truist, U.S. Bank, USAA, Venmo, Wells Fargo, X, Zelle
Book a Meeting with the Author
Related content
Raising the Ceiling: How Banks Can Retain Business Customers As They Grow
Small businesses are developing more sophisticated financial needs earlier in their growth, but traditional banking models still force them into a choice between small business and...
Humans in the Loop: Chatbots Are More Effective When Customers Know Agents Are Standing By
To respond to a broader variety of customer needs in real time, most big banks have introduced a chatbot. In the past five years, chatbot availability in mobile banking from the 20...
Building the LMS for Lifecycle Lending: How a Strategic Shift in Servicing Wins Today—And Tomorrow
By leveraging a traditional bank strength—building deep relationships with their customers—FIs can turn loan management into a series of touchpoints and interactions that not only ...
Make informed decisions in a digital financial world