Photo by Davis Turner/Getty Images When did banking apps from the big finance giants suddenly get good? Lately I’m finding the various money-related apps on my phone (Bank of America, Citibank, Capital One) to be genuinely helpful and capable of things that they couldn’t do even a year ago. They’re even becoming intuitive. I can temporarily lock my debit card if I’ve misplaced it but am not yet convinced it’s lost. I can activate replacement cards with a tap — something that always required a call to an automated telephone line. …