BankMobile Vibe: A secure checking account to rely on

The BankMobile Vibe Checking Account is an FDIC-insured, secure bank account. As your financial institution, we are dedicated to protecting your personal and financial information.

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A digital design presents a 3D padlock, highlighted against a backdrop filled with abstract geometric shapes and sketched icons. The padlock is the primary focus, rendered in white with a metallic silver shackle, and features a fingerprint sensor in the center, suggesting a biometrically secured locking mechanism. The backdrop consists of pastel shades, primarily pinks and purples, creating a soft, dreamlike atmosphere. This is punctuated by bolder geometric shapes in blue and green above the padlock, adding depth and visual interest. A rounded orange shape at the bottom left appears to be an out-of-focus element, while various platform shapes in the foreground create a stage-like setting for the padlock. In the background, there are sketched icons of dollar bills and a traditional padlock, which provide context to the image's theme of security, particularly in the realm of finance. These sketched elements are subtly placed, adding to the overall design without overpowering the main subject. The composition of the image is carefully arranged, with the padlock suspended in the center, surrounded by elements that balance the design. The lighting is soft and diffused, enhancing the 3D effect and giving the scene a polished, modern feel.

Stay vigilant and always verify before you share any personal information

We will never contact you via email, text message, or phone and ask for your password, PIN, debit card number, or other sensitive personal information. Immediately hang up the phone or disregard any emails and texts if someone contacts you requesting this information.

If you become a victim of fraud related to your BankMobile Vibe Checking Account, contact us immediately at 855-398-7260 to connect with our Resolution Expert Team.

As an account holder, we have your back!

In 2023, scammers stole over $10 billion from U.S. consumers. Stay vigilant to ensure it doesn’t happen to you. As an account holder, we have your back! Here are ten ways you can help:

  1. Don't provide any personal or financial information over the phone, in an email, or through a website unless you initiated the contact and know it's a trusted source.
  2. Be suspicious of unsolicited messages, emails, or phone calls, even if they appear to be from a legitimate company or organization.
  3. If you receive a suspicious message claiming to be from your bank, employer, or other organization, contact them directly using a known, trusted phone number or website, not the one provided in the message. Contact us here.
  4. Never click on links or download attachments from unsolicited messages. These could contain malware.
  5. Carefully check the sender's email address or phone number to ensure it's legitimate. Phishers often use subtle variations to mimic real companies.
  6. Be cautious of messages that create a sense of urgency or threaten consequences if you don't act quickly. Phishers try to pressure you into making hasty decisions.
  7. Use security software and keep it up to date to detect and block malware from phishing and other cyber threats.
  8. Be skeptical of offers that seem too good to be true, such as winning a prize or receiving a large inheritance.
  9. Trust your instincts. If something feels off or suspicious, it's better to err on the side of caution.
  10. Educate yourself and your family members about the latest phishing, smishing, vishing, and spoofing tactics to stay vigilant.

Financial scams and fraud to be aware of:

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  • Phishing
    ‍    ‍A cybercrime technique where attackers masquerade as legitimate institutions or trusted entities, typically via email, to deceive individuals into revealing sensitive information such as passwords, card numbers, or bank account details. The term is a play on “fishing,” as attackers are essentially fishing for victims' data.
  • Spear phishing
    A direct, targeted email attack aimed at specific individuals that appears to come from a trusted sender.
  • Smishing
    A combination of “SMS” and “phishing” refers to phishing attempts made by via text messages (SMS) or other mobile messaging services. Attackers send text messages that appear to be from trusted sources often containing links to malicious websites or prompting recipients to call a number where they will be asked for sensitive information.
  • Vishing
    ‍    Short for “voice phishing” and is like phishing but conducted over the phone or through voice messages. Attackers use voice communication to manipulate individuals into divulging personal financial information. They often use caller ID spoofing to make their calls appear to come from legitimate sources.
  • Spoofing
    The act of disguising a communication or signal to appear as if it's coming from a trusted or legitimate source when it's actually from an impersonator. This can take many forms, like email spoofing (faking the sender's address), caller ID spoofing (displaying a false phone number), or IP spoofing (masking a computer's true IP address). Attackers often use spoofing to gain unauthorized access, steal information, or spread malware.
  • Identity theft and account takeovers
    ‍    Identity theft allows criminals to access banking details, often leading to fraudulent transactions or account takeovers. Many victims only realize they’ve been targeted after unauthorized withdrawals appear. When it comes to online or mobile banking, fraudsters exploit weak security measures to gain access. Banks often implement verification tools, but customers must stay vigilant to protect their accounts.
  • Check fraud and counterfeit checks
    ‍    Fraudsters alter or forge checks to steal money. Some criminals use stolen checks by forging signatures, altering the check amount or payee to make purchases or withdraw funds before fraud is detected. Restrictions apply when disputing check fraud claims, and recovering lost funds can be difficult.
  • Card skimming and ATM fraud
    ‍    Skimming devices installed on ATMs and payment terminals secretly capture card details, allowing criminals to clone cards and make unauthorized transactions. Many banks encourage customers to report suspicious ATM activity. Using contactless payments or bank-issued security features can help reduce the risk of skimming fraud.
  • Wire transfer and money mule scams
    ‍    Scammers trick victims into sending money via wire transfers under false pretenses, making it difficult to recover funds. Some fraudsters even recruit money mules to move stolen money through different accounts.
  • Elder financial exploitation
    ‍    Fraudsters often target senior citizens by impersonating family members, government officials, or bank representatives. These scams convince elderly victims to send money or provide banking details. Educating older adults on common scams and monitoring unusual transactions can help prevent financial exploitation.
  • Fake bank websites and mobile apps
    ‍    Cybercriminals create fake banking websites and apps that mimic real institutions, tricking users into entering their login credentials. Account holders should verify URLs, download apps only from official sources, and use multi-factor authentication to protect their accounts. Banks continually update security measures to detect fraudulent platforms, but customers should stay alert.
  • Automatic payment and subscription scams
    ‍    Fraudulent subscriptions often enroll consumers in recurring payments without clear authorization, leading to unexpected charges. Victims may struggle to cancel these payments and may incur a monthly service fee as a result. Some subscription services offer alerts regarding account activity and login via text message which may help monitor unusual activity. Message and data rates may apply when receiving these alerts.
  • Peer-to-peer (P2P) payment fraud
    ‍    Scammers exploit P2P payment apps by posing as legitimate buyers, sellers, or acquaintances. Once these transactions are processed, victims often cannot recover lost funds. Users should verify recipients before sending money and enable fraud protection settings where available.

What is a secure checking account?

A secure checking account like the BankMobile Vibe Checking Account is designed to provide account holders with secure and convenient access to their money.

Whether it’s your checking or savings account, or both, our mobile app and web app help you manage your bank accounts with confidence. BankMobile Vibe is backed by industry-leading security features like 128-bit encryption and multi-factor authentication. Whether you prefer mobile banking or online banking, both of our platforms ensure your information is protected at every step.

Account holders are encouraged to review the terms and conditions to fully understand the safeguards in place and make the most of our reliable and secure banking solutions.

The BankMobile Vibe Checking Account is exclusively available to students who attend a college or university we partner with to disburse same-day financial aid refunds. After getting a school refund, the account can be used for life! BankMobile Vibe offers a variety of industry leading features such as cash back,1 the ability to earn interest, and two-day advance early payroll.2 Plus, all the essentials you’d expect from a modern bank account: bill pay, transfers, peer-to-peer payments, digital wallets, mobile check deposit, cash deposits, ATM access, a debit card on/off switch, and no overdraft fees.

Stay safe and stay vigilant!

1 See Cash Back Terms and Conditions for further details. Merchants listed in the Offers sections are in no way affiliated with BM Technologies, Inc., nor are they considered sponsors or co-sponsors of the program. All trademarks are the property of their respective owners. Earned cash back will be credited to your BankMobile checking account within ninety (90) calendar days from the time the qualifying transaction has been posted to your BankMobile checking account.

2 Funds from payroll-related direct deposits may be made available up to two days early. Early access to payroll deposits applies to the direct deposit of funds from your employer. Employer direct deposits vary and, as a result, it is not possible to guarantee early access to your pay. Factors that will affect this include the sender’s deposit description used and the timing of their submission of deposit. In order to provide this service, we generally post such deposits on the business day we receive notice that the deposit is scheduled, which may be up to two (2) business days earlier than the payer’s scheduled payment date. In general, benefit checks (direct deposit or otherwise) from the federal or state government will not be eligible for early access based on the parameters we use. As an example, benefits that generally would not receive early access include but are not limited to unemployment, retirement, pension, civil service, railroad retirement and veteran’s payments.

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