Apple's built-in Notes app is a solid piece of software ... added format and design tools, and easy-to-use interface. There is a free version and a variety of paid subscription options.

This makes accessing your notes very easy as you can use different devices to access them, plus they enable good collaboration. However, these services tend to have privacy issues. On the other hand, ...

Eligibility doesn’t include a credit check or ChexSystems check, so it’s easy to get approved. Chime’s online checking account comes with a highly rated mobile app and no fees or minimums.