Get it on Google Play Download on the App Store
 Enter to win up to $10,000 off your student loans starting 9/23! Learn more.
 Enter to win up to $10,000 off your student loans starting 9/23! Learn more.
 Enter to win up to $10,000 off your student loans starting 9/23! Learn more.
 Enter to win up to $10,000 off your student loans starting 9/23! Learn more.

Come for the refunds. Stay for the experience.

The BankMobile Vibe Checking Account is exclusive to students attending our 700+ partner colleges and universities across the U.S. Every year, hundreds of thousands of students choose to open a Vibe account to get their financial aid refund the same business day. After getting your refund, continue using your account for life.

Compare our features and see how we stack up.

Get it on Google Play Download on the App Store
33,000+ 5-star app reviews
If you open a digital BankMobile Vibe Checking account (upon identity verification), money is deposited the same business day we receive funds from your school.
33,000+ 5-star app reviews
If you open a digital BankMobile Vibe Checking account (upon identity verification), money is deposited the same business day we receive funds from your school.

Earn cash back

Automatically earn cash back on debit card purchases from merchants you know and love at 40,000+ online locations and 12,000+ local locations. See Cash Back Terms & Conditions.

Earn cash back

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.

Earn interest and grow your money!

Earn interest and grow your money!

Watch your balance grow steadily over time, helping you reach your financial goals sooner!

Earn interest and grow your money!

The essentials

Manage your money with convenience and simplicity.

Move money

Bill pay.

Transfers.

Send money to other customers via Vibe 2 Friend.

Add money

Early payroll direct deposit. Learn more

Mobile check deposit.

Cash deposits* at 90,000+ retailers nationwide like 7-Eleven, Walgreens, and CVS via Reload @ the Register™ & Rapid Reload.™ Find a location

*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. ©2025 Green Dot Corporation. Green Dot is a trademark of Green Dot Corporation.

Your card

Use your card at any merchants that accept Mastercard®.

Add your debit card to Apple Wallet®, Google Wallet™, or Samsung Wallet. Get the app

Withdraw money* at 55,000+ fee-free Allpoint® network ATMs. Find a location

*Allpoint ATM location, availability, and hours of operation may vary by merchant and is subject to change.

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 Vibe App. Learn more

Zero liability protection
You’re not liable for unauthorized transactions. If you suspect fraud, just turn your card off in your app. See terms and conditions

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

Protect yourself from fraud
Unfortunately, fraudsters often pose as credible companies “phishing” for your personal or financial information through emails, text messages, voice calls, and social media. Although we may contact you if suspicious activity is detected on your account, we will never ask you to share personal or financial information unless you call us first. We will never ask for one-time passwords that you receive via email or text. Learn more

Financial empowerment

We're serious about your financial future.

Our mission

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

BMTX Annual Financial Empowerment Scholarship

Be financially literate, empowered, and free: Our $1,500 no-essay, video scholarship awaits trailblazers like you!

Award-winning company and account

2024 EdTech COmpany of the year

Tech & Learning Award of Excellence: Back-to-School 2024

Award-winning company and account

2024 EdTech COmpany of the year

Tech & Learning Award of Excellence: Back-to-School 2024

2024 Gold Stevie Award winner

Exceptional customer service

Our dedicated agents are here to assist you 8 AM – 11 PM ET, 364 days of the year!

BMTX’s customer service team is phenomenal! Anytime I am having issues, the team is always very professional, polite, and knowledgeable.

-Lann
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Mike helped me tonight unlock my suspended account in a timely manner. Having two young sons who are loud makes it hard for me to call to get situations handled, so I greatly appreciate his kindness and courtesy in helping me get this fixed. 5/5 exceptional service.

-Cheyenne W.
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I just want to thank Cathy for the amazing help this afternoon and I want to thank her for being prompt with responses and having a great happy attitude! I really appreciate the help and thank you again, Cathy, for your amazing help!! 5 out of 5 to Cathy!! 😊

-Alexi B.
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I was ordering checks and wasn't sure what address I should enter for the bank. I asked a question about this and received a response in minutes. I live in a rural area where many places still want a paper check. Thank you for giving me peace of mind!

-Anonymous
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Learned how to activate and have access to my temporary virtual card thanks to Mike. Fast replies and friendly service

-Tyrell D.
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I forgot to update my address, so my checks were sent to the wrong address, and for safety reasons they do not allow forwarding. Totally my fault. But the customer service I received from Jenny was so amazing! The issue has since been resolved and within the same day at that, and my anxiety is gone. When you’re waiting on school money it can feel overwhelming if it’s delayed. Thank you to Jenny for your fast help!

-Britney L.
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I was helped by Paul and he was very helpful and efficient with getting me logged back into my account!

-Ashley G.
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