It's no secret that the top consumer banks have embraced mobile banking. But for an insightful status check, we can turn to Corporate Insight, which has found that all but one of the 16 large banks it tracks offer mobile banking solutions.

JPMorgan Chase came out on top in the report, by dint of its RDC offering to some degree. Bank of America and Wells Fargo also received high marks.

A standard mobile offering these days includes account balance checks, recent transactions views, in-house fund transfers, branch location finders and bill payment apps. These services are meant to cater to high-quality clients.

Nielson data shows that "mobile banking customers have higher average deposit balances ($64,303 vs. the market average of $48,384) and a higher average net worth ($341,017 vs. the market average of $281,263) than customers that rely on traditional banking methods," Bankrate notes.

It's fair to say mobile banking is still in the catching-on phase. Banks have to continue to invest in their mobile as well as online products. You have to wonder if a truly killer application would be one that seamlessly merges the two.

For more:
- here's the Bankrate article

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