2026 Mobile Banking Scorecard

For the third consecutive year, U.S. Bank has claimed the top spot in the Javelin Strategy & Research Mobile Banking Scorecard, narrowly edging competitors Bank of America and Truist in this benchmarking of the top 20 U.S. banks by assets. Javelin’s definitive scorecard, now in its 20th year, shows that banking leaders are moving beyond transactions to create intelligent, relationship-driven experiences powered by personalization and proactive guidance. 

The scorecard also reveals significant opportunities. Although many institutions continue to invest in new capabilities, customers often struggle to discover or benefit from them. The banks creating the greatest competitive advantage aren’t simply stuffing their apps with more features—they’re delivering experiences that anticipate customer needs, simplify financial management, and strengthen engagement over time.

Key questions discussed in this report: 

• What functional categories have seen the greatest innovation in the past 12 months?
• What have FIs done to encourage greater engagement among mobile app users?
• How are FIs responding to consumer expectations of AI-driven insight?
• How are leading FIs using their mobile apps as effective sales platforms? 

Companies Mentioned: 

Ally Bank, Bank of America, BMO, Capital One, Chase, Chime, Citi, Citizens, Fifth Third, Huntington, Key, M&T, Navy Federal, PNC, Regions, Santander, SoFi, TD Bank, True Link, Truist, U.S. Bank, USAA, Varo Bank, Wells Fargo