Ways to contact us: our interactive FAQ search option below, call Customer Care (1-877-327-9515) or tweet us @AskBMD! You can email us when logged in by selecting “Ask Warren” or email our support team under the FAQ tab once you’re logged in.
Digital banking platform powered by BMTX, Inc. BankMobile banking products and banking services are provided by First Carolina Bank, Member FDIC and Equal Housing Lender. ©2023 BMTX, Inc., a wholly owned subsidiary of BM Technologies, Inc. All Rights Reserved.
Where's my refund?
Deposit
Spend
&
Withdraw
Issues
With My
Card
Manage
My
Profile
Password
&
PIN
Statements
&
Transactions
Financial Aid
& Other Refunds
Guide
to
Fees
Contact
Us
Our Accounts
No Category Selected
Select a category above to view the top answers.
-
Each type of deposit is available on a different schedule. For information on each type of deposit and when they will become available, please check the Funds Availability Policy Disclosure and...
04/07/2021
-
If you have a paycheck or any other recurring income, you can easily have it direct deposited to your account. Direct deposits include: Payroll from an employer sent via ACH - Automated Clearing...
11/28/2023
-
To view the status of your mobile deposit: Log in to the BankMobile app. Tap Deposit in the bottom navigation bar. Tap Recent Deposits at the top of the screen. Scroll through the list of deposits to...
06/29/2021
-
Updated
Mobile Check Deposit allows you to easily deposit checks to your account using an iPhone™ or Android™ Smartphone. Please Note: This option may not be available to all account holders and there...
04/09/2024
-
There are many convenient and easy ways to add money to your account: Direct deposit your paycheck. Transfer money from a third-party account. Request money from friends and family with Sponsor...
06/29/2021
-
Updated
Wire Transfers are a quick way to send money electronically between banks or banking platforms. In order to receive an incoming wire transfer, you will be required to provide information about your...
04/07/2024
-
Updated
You can send us your paper deposits directly to be processed! Mail your deposits to: BMTX, Inc. P.O. Box 445 Phoenixville, PA 19460 The U.S. Post Office offers Priority 1-2-3 day shipping for...
04/07/2024
-
If we receive your deposit prior to the applicable cutoff time on a business day, we will consider that day to be the day of the deposit. However, if you make a deposit after the cutoff time or on a...
11/28/2023
-
You may convert your cash in several ways: Money Order* – Purchase a money order payable to you at post offices, retail stores, and financial institutions.** Then, mail the money order to BMTX...
11/03/2023
-
Early Payroll Direct Deposit With direct deposit of your payroll deposit to your account, you may be able to receive your payroll deposit up to two (2) days early. How it works: Your employer sends...
11/03/2021
-
Updated
There is a short period of time (4 PM ET the same business day) that you have the option to cancel your request before the transfer is processed. Once a transfer request is submitted to the...
04/07/2024
-
Ask the cashier to add cash directly to your card at participating retailers . A fee of $4.95 or less is charged per deposit by the corresponding retailer. This fee is paid at the...
06/29/2021
-
Updated
There is a short period of time (usually the same business day if you are sending to a confirmed email address) that you have the option to cancel your request before the transfer is processed. Once...
04/07/2024
-
Yes. You will still be able to make deposits, write checks and use Bill Pay.
06/29/2021
-
The process of receiving credit for returned goods or services on a debit card is not instantaneous. Although the initial purchase may have been processed at the point of sale and settled...
06/29/2021
-
There are some common questions that you may have regarding IRS and/or State Tax Refunds. The following information should help you to understand the process. Can I have my IRS/State Tax Refund...
06/29/2021
-
Updated
Western Union offers a feature called ' Direct to Bank ' which is a way to send funds directly to your checking account via ACH. This is not a wire transfer; this is an ACH deposit and can take up to...
04/07/2024
-
You have the ability to deposit funds from another checking or savings account, which is in your name, to your BankMobile Checking Account. This is referred to as 'funding' your account. To add a...
06/29/2021
-
An email will be sent to you directly instructing you to log into your account and view account notifications and documents.
04/12/2022
-
The total amount of funds you can spend in a day using your card is $2,500.00 between the following options: $500 in ATM withdrawals You may find an in-network ATM by visiting the Allpoint...
06/02/2023
-
Updated
There are several options to withdraw funds from your account: Withdraw cash from an ATM. As an account holder you have access to over 55,000 Allpoint® ATMs. You may find an in-network ATM by...
04/07/2024
-
Updated
This guide will help you understand how to send a wire and provides an explanation of the most commonly used terms you may encounter when sending a wire. What is a wire transfer? A wire...
04/07/2024
-
There are many convenient and easy ways to spend the money in your account: Use your debit card for a debit/credit transaction Withdraw funds from an ATM You may find an in-network ATM by...
11/28/2023
-
Updated
You can send money instantly to another BankMobile Vibe Checking Account at no cost! To begin: Log in to your account. Select 'MOVE MONEY', then select 'Vibe 2 Friend.' Select 'Send money.' From here...
04/07/2024
-
A teller withdrawal is when you use your card to make a cash withdrawal from a teller at a bank. We do not charge a fee for a teller withdrawal; however, the bank may charge a fee. To conduct a...
06/29/2021
-
There are two ways to make a purchase using your debit card: A merchant PIN-based transaction is one where you select 'debit' at the checkout and enter your 4-digit Personal Identification Number...
11/03/2023
-
Updated
Online Bill Pay is a feature of your account that allows you to pay bills at no cost. With this service, you can use the funds in your account to pay anyone, anytime, anywhere in the U.S. This option...
04/07/2024
-
There are 3 ways to withdraw cash from your account. ATM withdrawal - As an account holder, you have fee-free access to over 55,000 Allpoint Network ATMs worldwide and to First Carolina Bank ATMs. If...
12/01/2023
-
If a recurring or one-time Online Bill Pay item is scheduled and is not in process or complete , you will have the option to edit or cancel the payment within your Online Bill pay. Log in to your...
06/29/2021
-
Updated
Sometimes, for unusually large purchases, a merchant may require a check issued directly from your financial institution - an official check. You may order official checks at no cost. To order an...
04/07/2024
-
Some transactions may still go through even if you do not have enough money in your account and may result in overdrawing your account. Examples include checks you write, ACH transaction (electronic...
11/03/2023
-
Updated
We do not offer the option to order a full book of checks directly. You may order a full book of checks from a third-party vendor if you choose. Please remember to take caution when supplying your...
04/07/2024
-
As part of your account, you have the option to receive 3 starter checks. To order your three starter checks: Log in to your account. Under the 'Withdrawals & Payments' tab, select 'Write...
06/29/2021
-
There are several reasons why you may be having trouble withdrawing money from an ATM: A Wrong Personal Identification Number (PIN) This is the four-digit code you created when first activating your...
08/07/2023
-
When using your debit card to rent a vehicle, please do not select “credit”. You must select “debit” and proceed to enter your four-digit PIN. This means all vehicle rental transactions must be made...
11/30/2023
-
You may find an in-network ATM by visiting the Allpoint Locator . ATMs may be added/removed from the Allpoint network periodically. As a result, we encourage you to check the Allpoint...
04/22/2021
-
Yes. There are independent third party services that offer the ability to send outgoing funds transfers internationally. One example is Western Union .
06/29/2021
-
To use your card at an ATM: Insert your card into the machine. Enter your PIN. Type in the amount that you wish to withdraw. Choose “Checking” or “Savings".
08/07/2023
-
Updated
How do I Order a Replacement Card? Please Note: There may be a fee associated with a replacement card. Please log in to see your Fee Schedule for additional details. First, verify that your address...
04/07/2024
-
Updated
If you would like to order a replacement card, please follow the online instructions below. You can also contact Customer Care during normal business hours for further assistance. If your refund card...
04/07/2024
-
Updated
If you choose to open a BankMobile Vibe Checking Account, we will provide you with a temporary virtual card number that you may use for online purchases at your favorite retailers (e.g. Amazon...
04/07/2024
-
Why was My Card Canceled? Your card may have been canceled due to possible fraudulent activity. To protect your account against fraud, we may cancel your card and issue you a replacement. Click here...
10/31/2022
-
Updated
How do I add my virtual debit card or physical debit card to my digital wallet? Log into the BankMobile Vibe app Go to 'My Card' Tap the ‘Add to Apple Pay®’ button on an Apple device, or ‘Add to...
04/07/2024
-
Updated
Canceling your card can be done two ways: ONLINE: Log in to your account. Please verify your address is correct by selecting 'MORE', then 'My settings', then 'My info.' Select 'MY CARD' then 'Manage...
04/07/2024
-
Does the Card Replace My Student ID Card? Please Note: This is for schools whose cards act as both the Student ID and the card. Please contact the Card Office to find out if this relates to your...
06/29/2021
-
Updated
The On/Off switch is a great tool that gives you the power and convenience to turn your card on or off. You will still be able to make deposits, write checks and use Online Bill Pay if your card is...
04/07/2024
-
There are multiple ways to get a code: MAIL: Look out for the green envelope. Your code will be sent to the address you have on file with your school. EMAIL: BankMobile Disbursements will send you an...
06/29/2021
-
You may use your same card providing it is not expired or has not been canceled. However, it is always a good idea to contact your campus Card Office to see if you can use the same card for on-campus...
06/29/2021
-
Your card can be used anywhere Debit Mastercard® is accepted, providing you with the best ways to access your money. Keep in mind, this card is not a credit card, but rather a debit card you can use...
11/03/2023
-
The security code on your card is the italicized 3-digit number in the signature panel beneath the magnetic strip on the back of your card. It is also commonly referred to as the Card Verification...
06/29/2021
-
As a student, you may receive a Refund Selection Kit from us. Within the mailer, you will find instructions for how to select a preference for receiving any refunds from your campus. Although you may...
06/29/2021
-
The contact information specific to your school can easily be found online. Simply: Visit your program website (the website listed on the back of your card) Click the 'Contact Us' link at the bottom...
03/06/2023
-
Our interactive automated services line is available to our Spanish and English-speaking customers 24 hours a day, 7 days a week! You can activate a replacement card, obtain your balance, report a...
06/29/2021
-
The Customer Identification Program (CIP) is an identification verification process. According to the USA PATRIOT Act, federal banking regulations require all financial institutions to obtain, verify...
06/29/2021
-
To access your account: Visit vibe.bmtx.com or your program website. Enter the email address and password associated with your account (this is the same login you created during preference...
11/28/2023
-
The following is a list of the documents currently accepted for identity verification. Please log in to your profile for information on the specific documents that you are required to submit...
06/15/2022
-
You may log in to your profile by: Visiting your program's website This is the website listed on the back of your card. Enter the email address and password you supplied when you first selected a...
06/29/2021
-
The BankMobile App provides you with an easy and secure way to keep track of your account directly from your iPhone® or Android smartphone. There is no fee for using...
06/29/2021
-
The following is a list of the documents currently accepted to verify your Current Proof of Social Security Number for identity verification. Please log in to your profile for...
12/09/2021
-
The following is a list of the documents currently accepted to verify your Current Proof of Address for identity verification. Please log in to your profile for information on the...
12/09/2021
-
How do I qualify for interest on my BankMobile Vibe Checking Account? You must be an enrolled student to open this account. If you make Qualifying Deposits of $300.00 or more per statement cycle then...
07/08/2021
-
The FAQ page is an interactive Frequently Asked Questions (FAQ) database and Customer Care system available 24 hours a day, 7 days a week. The easiest way to email Customer Care is by using the...
06/29/2021
-
Updated
If you want to close your account, you may do so at no cost through either of the following options: Call Customer Care to request your account to be closed so various information can be...
04/07/2024
-
Visit vibe.bmtx.com or your program website and enter the email address and password you created during refund preference selection. Forgot your login information? Click/Tap Here. Still having...
11/28/2023
-
An initial single debit card transaction (one time or recurring) is unable to be stopped from being presented to the account. When possible, we suggest contacting the merchant to stop a single card...
11/23/2021
-
The following is a list of the documents currently accepted as a Government Issued Valid ID for identity verification. Please log in to your profile for information on the specific...
12/09/2021
-
For your convenience, you may provide us with copies of your ID documents using any of these methods: Upload your Identification Online Log in to your profile. Find the 'Upload ID Documentation Now'...
06/15/2022
-
Updated
ACH is used for all kinds of fund transfer transactions, including direct deposit of paychecks and monthly withdrawals for routine payments such as paying for electric bills or for making loan...
04/07/2024
-
Updated
You can request a stop payment on the following types of transactions online: Single Checks A Range of Checks eCheck/ACH - by merchant name and amount Please Note: Individual card transactions are...
04/07/2024
-
Updated
If an incorrect Social Security number (SSN), date of birth (DOB) or passport number was entered during the process of selecting a refund preference, you can submit a clear and legible copy of the...
04/07/2024
-
How do I qualify for interest on my BankMobile Interest Bearing Checking Account? When you become unenrolled, you will be moved to this account and if you meet the Qualifying Deposits of $300.00 or...
06/29/2021
-
No. At this time, we do not offer Overdraft Protection. It is important to monitor your account regularly to make sure that you have the funds necessary to cover pending transactions.
06/29/2021
-
Updated
You can put a stop payment on a range of checks on your online account! Here's how: Log in to your account. Select 'MORE.' Select 'Disputes and stop payments.' Select 'Stop payments.' Select '+New...
04/07/2024
-
We will consider your Account to be dormant if there has been no transactional activity on your Account for a period of 12 months. Transactional activity includes using your debit card to make a...
08/11/2021
-
Updated
How do I turn on push notifications for my BankMobile Vibe Checking Account? You can receive push notifications from the BankMobile Vibe app! To begin: Log in to your account. Under the 'MORE' tab...
04/07/2024
-
Documents received by 2pm EST will be reviewed by the end of the next business day. Documents received after 2pm EST will be reviewed by the end of the second business day. What will Happen if I am...
06/29/2021
-
We do not have any branches. We have eliminated the need for branches to pass the savings on to you! Our features make it easy to use your account without a branch: Use our mobile app for...
11/03/2023
-
The choice is always yours! We offer the following electronic options for refund delivery: Deposit to an Existing Account - Money is transferred to another account the same business day we...
07/08/2021
-
The following is a list of the documents currently accepted to verify your Current Date of Birth for identity verification. Please log in to your profile for information on the specific...
12/09/2021
-
No, you are unable to request a stop payment on a check without the check number, as the check number is required to accurately execute the stop payment request. Please obtain the check number before...
06/29/2021
-
How do I open a BankMobile Savings Account? In order to qualify for a BankMobile Savings Account you must have a BankMobile Vibe Checking Account or Interest Bearing Checking Account. The BankMobile...
02/07/2023
-
Since we have individual agreements with schools; each school creates their own profile for their students. These profiles cannot be merged if you transfer from one school to another. You will need...
06/29/2021
-
BM Technologies, Inc. (BMTX, Inc.) — formerly known as BankMobile — is among the largest digital banking platforms in the U.S., providing access to checking and savings accounts, financial wellness...
12/01/2023
-
Your school delivers funds with BankMobile Disbursements to provide you with more choices for receiving Financial Aid refunds and other monies owed to you. Our refund management services add...
11/03/2023
-
You can change your name on your account by submitting a copy of your legal name change document(s), along with a legible copy of your government-issued photo ID (i.e. Driver's License). The legal...
06/15/2022
-
Updated
Yes, you can leave your Vibe account open! Your Vibe account is for more than refunds. It’s a full-service, digital-only, FDIC-insured checking account designed with you in mind. Vibe has a variety...
04/07/2024
-
Updated
To determine if your device is compatible with the BankMobile Vibe App, please visit the following links: Apple App Store Google Play Downloading the BankMobile Vibe App: The BankMobile Vibe App can...
04/07/2024
-
A CIP Hold is placed on an account when the financial institution has been unable to successfully verify the account holder. While in a CIP Hold your card and account usage is restricted. Your...
06/29/2021
-
Tweet us @AskBMD! We're available Monday through Friday from 8am-11pm Eastern Standard Time and 9am-6pm Saturday, Sunday and Holidays (excluding Christmas Day) to answer your questions...
06/29/2021
-
Updated
You can easily reset your password online! To do so : Go to your program's homepage, which is the website listed on the back of your card above the magnetic strip. You may also go to ...
04/07/2024
-
Updated
For security reasons, Customer Care doesn't have access to the PIN you created during the selection of your refund preference. But not to worry, to reset your PIN simply: Log In to your account...
04/07/2024
-
Updated
Before reporting a claim, please determine that the transaction has actually posted to your account and is not in a pending status. Unfortunately, pending transactions don't contain the details...
04/07/2024
-
Pending debit card transactions (labeled as "pending") are subtracted from your available balance but do not affect your account balance until the transaction is settled. Pending transactions cannot...
06/29/2021
-
Your money is protected from unauthorized use. Any confirmed third-party fraudulent transaction on your account that you did not authorize will be provisionally credited back to you by the 10 th...
06/15/2021
-
Negative balances occur when spending exceeds an available balance. It is important to bring the account to a positive status to avoid possible closure. To resolve your overdraft: Log in to your...
06/02/2023
-
Updated
Your account statements are available via the BankMobile Vibe website. Log in to your account. Select 'MORE.' Select 'Statements and documents.' Select 'STATEMENTS.' You will always have access to...
04/07/2024
-
The Automated Clearing House (ACH) is an electronic network for financial transactions, responsible for processing large amounts of credit and debit transactions between institutions and merchants...
06/29/2021
-
What is a Third-Party Payment Processor? Third-Party Payment Processors (TPP) are financial institution customers that provide payment processing services to merchants and other business...
11/30/2021
-
Yes; however, BankMobile Checking Accounts remain low-fee accounts that we believe are still a great value and we encourage you to compare our account fees and features with the top banks. We keep...
11/03/2023
-
What is a Merchant Dispute? A merchant dispute occurs when you are dissatisfied with the goods/services received from a merchant, or when you believe a merchant has refunded you incorrectly or owes...
06/15/2021
-
If a check or ACH transaction is presented and overdraws your account, the item is not paid and is returned the following business day. Please refer to the Terms and Conditions for more...
06/29/2021
-
Updated
All customers who earn $10 or more in interest in a calendar year will have a 1099-INT form available via the website. Log in to your account. Select 'MORE.' Select 'Statements and documents.'...
04/07/2024
-
The merchant may have submitted two authorizations in error; however, only intends to process one. As such, the second transaction may drop off your account on the fifth business day. If the pending...
06/29/2021
-
You can get a copy of a check that was presented to your account by contacting Customer Care using the toll-free phone number on the back of your card, or by dialing 1-877-327-9515 between 8am...
06/29/2021
-
At times, a merchant may run your card more than once, possibly creating more than one transaction hold for the same purchase. Most of the time, transaction holds will disappear within 5 business...
06/29/2021
-
When your card is swiped at a merchant's card terminal, the transaction total is 'held,' and deducted from your available balance for, on average, about five (5) business days. This allows the...
10/31/2022
-
Automated fuel dispenser (pay-at-the-pump) transactions at gas station merchants may result in temporary authorizations for amounts greater than the actual purchase amount. This difference in...
10/31/2022
-
What is SecurLock? We take the security of your account seriously, we use a fraud prevention program called SecurLock. SecurLock flags potentially fraudulent transactions or patterns on your...
06/29/2021
-
Updated
Q: What is Mastercard Automatic Billing Updater? Mastercard’s Automatic Billing Updater is a service participating merchants can use to retrieve cardholder account changes, like new debit card...
04/07/2024
-
We do not know in advance when we will receive your refund. Your school provides us with a list of everyone who is due a refund (also known as a refund file). Next, a wire transfer which...
01/21/2022
-
Updated
To check on the status of your refund: Log in to your account. Select Refund Status & History under the Refunds tab. Any refunds received through the BankMobile Disbursements platform will...
04/07/2024
-
On occasion your school may have money for you in the form of a refund. Some common reasons you might receive a refund include: The receipt of Financial Aid or a grant Dropping a class Canceling a...
06/29/2021
-
We do not know in advance when we will receive your refund. Before we can process and disburse refunds your school must send us important information about your refund including a list of students...
06/29/2021
-
We do not know the amount of your refund until we receive the refund information from your school. Once this information is received, it is processed and disbursed according to your refund...
06/29/2021
-
A reversed refund occurs when your school reverses money sent to you. Reversed refunds can happen for many reasons. Please contact your school’s Financial Aid or Bursar’s Office for more information.
06/29/2021
-
Title IV Financial Aid refunds time-out if a refund preference has not been selected within 21 calendar days after the refund has been released by your college or university. Before refunds time-out...
06/29/2021
-
A mailer and an email will be sent to you with instructions on how to select your refund preference. Follow the instructions enclosed to make your choice. If you haven't received the mailer or email...
06/29/2021
-
If your refund has not been deposited into your account at another financial institution (e.g. bank or credit union) please confirm that at least 3 business days have passed since the transfer was...
06/29/2021
-
You can change your refund preference at any time.* To update your preference: Go to “Refunds” in the navigation bar Select “Refund Preferences” Select your new refund preference and hit “update” at...
06/29/2021
-
Try these troubleshooting tips below: Need a Personal Code? Visit refundselection.com Click on the Need a Code? link Enter and submit the requested information We will send you an email with your...
06/29/2021
-
Your refunds are disbursed based on the information your school provides us. If you believe that you received the incorrect refund amount, please contact your school’s Financial Aid or Bursar’s...
06/29/2021
-
If you do not select a refund preference before we receive your refund, a check will be mailed to your address on file for the full amount.
06/29/2021
-
Please contact your school’s Financial Aid or Bursar’s Office for further assistance.
06/29/2021
-
The Monthly Service Fee is currently $2.99; however, you may avoid this fee by having Qualified Deposits totaling $300.00 or more in a given statement cycle. Qualifying Deposits include direct...
11/28/2023
-
Updated
You can order checks using a third-party servicer of your choice (e.g. Walmart, Deluxe, etc.). A fee will be assessed by the third-party servicer you choose. To order quick checks from our...
04/07/2024
-
An outgoing wire transfer to a US bank is assessed a fixed fee of $25.00, in return for convenience and speed. Please refer to the Fee Schedule for details. We do not charge you to receive...
06/29/2021
-
Ask the cashier to add cash directly to your card at participating retailers . A fee of $4.95 or less is charged per deposit by the corresponding retailer. This fee is paid at the...
06/29/2021
-
Updated
There may be a fee associated with a replacement card, and this varies by school program. To determine the cost of a replacement card for your account: Log in to your account. Select 'MY CARD.'...
04/07/2024
-
Updated
Accounts earning $10 or more in interest will receive an email notification when the electronic 1099 tax form is available for download. The document will open in the form of a PDF and can be...
04/07/2024
-
Accountholders with an interest-bearing account will be presented with the “U.S. Tax Reporting Certification” form on login. This is an online version of the IRS W9 and W8-BEN form required for...
12/11/2020