The iPhone’s note app has it’s drawbacks. I’ve read many complaints about its lack of maturity. It does, however, make a great to do list app. You simply enter each task on it’s own line and delete them when complete. The ability to have multiple notes also lets you

segregate to do lists (personal, work, 9-5 work, etc.) There’s no ability to cross things off, but in my opinion a to do list gets too crowded if you have a bunch of checked off or crossed off items. Once it’s done I don’t want to see it anymore.