(MoneyWatch) Are you banking on your smartphone yet? If not, research suggests it's only a matter of time - especially if you're a young adult carrying an iPhone or Android phone. The global mobile banking industry is expected to reach 1.1 billion customers by 2015. Many major banks, including Bank of America, Citibank, ING, Wells Fargo and Chase, have free mobile apps that allow customers to check bank balances, make payments and find their bank's nearest ATM on-the-go. In fact 75% of the country's major banks are offering mobile apps, according to a But no matter where we bank - a large financial institution or a credit union - there are some useful and convenient mobile banking applications we can all take advantage of. Here's a round-up of six that boast convenience and ease: : You can organize and track all your financial accounts and bills with this free app available on the iPhone, BlackBerry, Windows Phone 7 and Android devices. You can also control where your money goes and receive real-time alerts and reminders about your accounts. Pageonce just raised $15 million in series B funding and was a 2011 Webby mobile app honoree in the "productivity" category. : When you can't locate one of your bank's free ATMs close by, this free app can help you locate a surcharge-free ATM in your neighborhood using GPS or your address. Allpoint is America's biggest surcharge-free ATM network, with over 43,000 ATMs. The app is available for iPhone, BlackBerry and Android phones. : Founded by Aaron Greenspan, the Harvard grad who claimed former classmate and Facebook founder Mark Zuckerberg stole his idea for Facebook, this app lets you pay for purchases with your phone. After you download the app, you need to plug in some personal information -- including your bank account Read More