Meet our new bank partner

BMTX, Inc., a wholly owned subsidiary of BM Technologies, Inc., has a new bank partner—FIRST CAROLINA BANK.
On December 1, 2023, First Carolina Bank (FCB) became our new bank partner, replacing Customers Bank as planned for BankMobile Vibe accounts. This transition brings together two strong financial institutions and greater opportunity for us to lead a new wave of financial innovation and address our customers' needs.

See below for details!

No Interruptions

This bank partner transition had no immediate impact on day-to-day banking and no action needed to be taken. The transition took place behind the scenes.

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Meet First Carolina Bank

A well-capitalized financial institution whose asset quality ranks in the top 1% of banks nationwide. Learn more.

Looking Ahead

Here are the BankMobile Vibe Checking Account Terms and Conditions and Fee Schedules and the BankMobile Interest Bearing Checking Account Terms and Conditions and Fee Schedules effective December 1, 2023.

Questions & Answers

Why the change?

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This change allows BM Technologies, Inc. to continue bringing more value-added products and services to you. To facilitate this change in bank partners, your account is subject to updated terms and conditions.
  • There will be no change to your account number.
  • There will be no change to our existing routing number. This means that current direct deposit enrollments, recurring payments made via ACH, etc. will not be affected.
  • If you have personal checks, you will not need to order new ones.
  • You will not receive a new debit card.
  • Your wire routing number for direct deposits will not change.
  • If you are expecting a refund from your school, this will not impact the delivery of your refund.
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    What did I need to do?

    • You did not need to take any specific action as it pertained to the movement of your account(s) to First Carolina Bank beyond reading the notices and agreements provided.
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    Does my debit card still work?

    • Yes, you should not have noticed any disruption to your ability to use your debit card as a direct result of this change.
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    Will I continue to have fee-free access to Customers Bank ATMs?

    • You no longer have fee-free access to Customers Bank’s ATM. However, you will continue to have access to the over 55,000 fee-free nationwide Allpoint® ATMs.1‍

      First Carolina Bank ATMs will be available for use at no cost to accountholders.
    • 1 Allpoint ATM location, availability, and hours of operation may vary by merchant and is subject to change.
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    Do I need to make changes to my direct deposit, remote deposits, Green Dot® deposits, etc?

    • You do not need to make any changes. Your account and any transactions you would normally make should not be impacted by this change.
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    What if I didn’t want this change to take place?

    • While your day-to-day experience has not changed as a result of this change in partners, as always, customers are free to change refund selection preferences and/or close their accounts according to their preferences.
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    What if I have deposits at First Carolina Bank?

    • If you have deposits at First Carolina Bank, your BankMobile Accounts issued by First Carolina Bank will be added to these other deposits for the purpose of determining the amount of your FDIC coverage at First Carolina Bank. Your total deposits at First Carolina Bank that are in the same ownership rights and capacity will be insured up to $250,000.00.

      If you have more than $250,000.00 in total deposits at First Carolina Bank, you may call the FDIC directly at 877-275-3342 for more information about how your funds may be insured at  First Carolina Bank.
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    What about privacy?

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    How can I avoid fraud and scams?

    • Protecting your information and identity is our priority.  Neither BM Technologies, Inc., nor First Carolina Bank, will ever send unsolicited emails, phone calls or texts asking you to provide, update or verify your personal or account information, such as passwords, Social Security numbers, personal identification numbers (PINs), credit or debit card numbers.

      If you receive an email that appears to be from First Carolina Bank or BM Technologies, Inc. (or Customers Bank) and requests confidential personal information, ignore the message and report it to us at       phishing@bmtx.com.

    Contact us

    If you have any questions regarding your account or this transition, you may contact us using one of our available contact methods.

    Contact options
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    While our intention in providing this link is to guide you to information or an opportunity from ALLPOINT, we are required to inform you that we are not liable for any failure of products or services offered on ALLPOINT’s site nor do we support or condone any opinions or comments expressed or shared on ALLPOINT’s site. Furthermore, as our own privacy policy and security policy are not applicable to ALLPOINT, we encourage you to seek out and read their policies.

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    Important Information:
    On January 4, 2021, Customers Bancorp, the parent company of Customers Bank, completed the sale of its wholly owned subsidiary, BankMobile Technologies, Inc.

    What do you need to do?
    Not a thing! We will continue to operate as an independent technology provider to Customers Bank. Your accounts with Customers Bank remain FDIC-insured and will not be impacted by the sale of BankMobile. More information will be coming to you soon. If you are exploring a new deposit or loan relationship, accounts and loans are issued by Customers Bank, Member FDIC and Equal Housing Lender.

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