Few of us have the time to visit a bank these days. Fortunately, we rarely have to anymore. Innovations in online banking tools and the development of more powerful smartphone and iPad apps mean banking is more mobile than ever. These apps use simple pie charts and calendars so you can see what you’re spending and saving at a glance. They show you up-to-the-minute account balances and they allow you to pay bills, transfer funds, and complete many other banking transactions from your phone. They’re an excellent way to manage your cash flow while you’re on the go.