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Through unique features and functionality designed exclusively for students, the BankMobile Vibe Checking Account empowers and guides customers in their pursuit of financial success.

Your account.
Your way.

Download on the App Store Get it on Google Play

Earn Interest

Earn 0.50% Annual Percentage Yield (APY)* with qualifying deposits on up to $1,000.99.

BankMobile banking products and banking services are provided by First Carolina Bank, Member FDIC & Equal Housing Lender.

* BankMobile Vibe Checking Account holders who make Qualifying Deposits totaling $300 or more per statement cycle, will qualify for interest on their BankMobile Vibe Checking Account. Qualifying Deposits include direct deposit, transfers from external bank accounts, check deposits, point of sale deposits and cash deposits such as those made via Green Dot® Reload @ the Register™. Financial aid refunds or other refunds issued by your school, interest earned on your account, promotional credits such as cash back rewards, internal account transfers, fee waivers, fee credits, returned items or dispute credits are not eligible toward the $300 in total deposits. Annual Percentage Yield (APY) accurate as of 11/9/2022. An interest rate of 0.50 % will be paid for average daily balances up to $1,000.99 with an APY of 0.50 %. An interest rate of 0.01% will be paid only on the portion of the average daily balance that is greater than $1,000.99 resulting in an APY range of 0.50 % to 0.06 %, depending on the balance in the account, assuming a maximum average daily balance of $10,000.00. Interest rates and APY are variable and may change at our discretion at any time without notice. Fees may reduce earnings. A withdrawal from your account will reduce earnings. For more information see the BankMobile Vibe Checking Account Fee Schedule and Interest Rate Information and Terms and Conditions.

Cash in Hand Icon

Get Paid Two Days Early**

Deposit your paycheck to your checking or savings account and you may receive your deposit up to two days early. To enroll in direct deposit, complete and submit the enrollment form to your employer.

** Early access to funds cannot be guaranteed. Limitations apply. See details.

Financial Literacy Tools

Manage money from either a desktop with Money Meter or right from your phone with SnapShot.

Log in to set up Money Meter, and to the BankMobile App to check out SnapShot.

Reimagine Banking Perks

We partner with companies who share our vision to offer you exclusive deals and discounts. We want to provide you with tools and resources that have you feeling empowered - both financially and beyond.

Our Mission:

We are on a mission to financially empower millions of Americans by providing a more affordable, transparent, and consumer-friendly banking experience.

Better features for you.

The BankMobile Vibe Checking Account is exclusively available to eligible students attending our partner colleges and universities.

View our interactive chart to see how the BankMobile Vibe Checking Account compares to the other institutions!

Better features with a better vibe—for you.

The BankMobile Vibe Checking Account has been built to be the right account for you, not the right-now account for you.  

The BankMobile Vibe Checking Account is only available to eligible students attending our partner colleges and universities.

Use the interactive chart below to see how the BankMobile Vibe Checking Account compares to the other institutions!

Ready to make the switch from your "other" bank?

Begin enjoying your checking account with us, complete with great features and benefits ranging from unique tools designed to help you get ahead to competitive interest rates.

  • Financial Aid Refunds
    Have money from your school (financial aid awards, grants or other funds that you’re owed) deposited to your checking or savings account. Log In
  • Tax Refund
    Having your tax refund deposited directly to your checking or savings account is simple, safe and secure. While filling out your tax forms, simply provide your account and routing numbers.
  • Early Payroll Direct Deposit
    Deposit your paycheck to your checking or savings account and you may receive your deposit up to two days early. To enroll in direct deposit, complete and submit the enrollment form to your employer. Download Enrollment Form

    † Early access to funds cannot be guaranteed. Limitations apply. See details.
  • Mobile Check Deposit
    Deposit checks in a flash! Use the BankMobile App feature to deposit checks anywhere. Get the App
  • Reload @ the RegisterTM & Rapid ReloadTM
    Add cash directly to your checking account at the register Learn More

    Up to $500 at most locations. A retail service fee of $4.95 or less is charged per deposit by the corresponding retailer. Reload and balance limits apply. Keep your receipt. © 2023 Green Dot Corporation. Green Dot is a trademark of Green Dot Corporation.

Money movement and withdrawals

  • Transfers
    Move money from external accounts. Log in to your account to transfer money. Log In
  • Allpoint® Network ATMs
    Fee-free access to over 55,000 Allpoint® Network ATMs1 because getting your cash shouldn't cost you anything.
    Find a Location

    1 Allpoint ATM location, availability, and hours of operation may vary by merchant and is subject to change.
  • Bill Pay
    Easily make payments anytime, anywhere with Bill Pay using the BankMobile App. Learn More

Security

  • Debit Card Protection
    Did you misplace your debit card? Use the debit card on/off switch to temporarily turn off your card to help protect against unauthorized use. Available through the BankMobile App. Learn More
  • Privacy
    We understand the importance of protecting the safety and confidentiality of the information you provide and we treat this information with the utmost security and respect. Learn More

2023 FinTech Breakthrough Award for Best Banking Infrastructure Software

Press Release

What customers are saying about us:

Here's what our Trustpilot reviews have to say about us:

"I have had this account since 2014 and I am happy with the quality of service that I receive they are always offering products and information on how be successful with managing your funds"

Jason M.

"This is by far the best banking industry I have ever put my money into you guys were prompt and accurate with every transaction and deposit I would recommend y'all to anybody and everyone thank you"

Eva B.

"This is the most convenient bank account I have had. 9 years and going!"

KK S.

"Best banking experience ever! Outstanding customer service."

Shelia P.

BankMobile banking products and banking services are provided by First Carolina Bank, Member FDIC & Equal Housing Lender.

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