Your accounts will continue to be FDIC insured through Customers Bank.

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Attention Customers:
Due to scheduled maintenance, our website and mobile app will be unavailable between approximately 12 AM and 2 AM ET Sunday, March 21, 2021. We apologize for any inconvenience.

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.


Spend $300 or more per statement cycle on everyday point-of-sale purchases like groceries, gas, online shopping and more using your BankMobile Vibe Up Debit Mastercard® card.


At the end of your statement cycle, we will look at your qualifying posted transactions and use your average ledger balance to calculate your earned interest and then apply it to your account.

1 In order to qualify for interest, BankMobile Vibe Up Checking Account holders must make $300.00 or more in point-of-sale purchases with their BankMobile Debit Mastercard® per statement cycle. Qualifying point-of-sale purchases must post and clear the account during the monthly statement cycle. Qualifying point-of-sale purchases may take one or more business days from the transaction date to post to the account. ATM transactions and point-of-sale refunds do not qualify. Annual Percentage Yield (APY) is accurate as of 10/7/2021. An interest rate of 0.50% will be paid for average daily balances up to $15,000.99 with an APY of 0.50%; average daily balances greater than $15,000.99 will earn a 0.01% interest rate only for that portion of the average daily balance that is greater than $15,000.99. The annual percentage yield for this tier will range from 0.50% to 0.38% depending on the balance in the account (calculation based on a $20,000.00 average daily balance). 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 Up Checking Account Fee Schedule and Interest Rate Information and Terms and Conditions.

What customers are saying about us:

Here's what our Trustpilot reviews have to say about banking with 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 Mardis

"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 Blair

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

kk S.

"Best banking experience ever! Outstanding customer service."

Shelia Phillips

Bank smarter wherever you are — thanks to the BankMobile App.

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Banking on the go

Questions & Answers

Why the change?

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.

    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.

    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.

    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.

    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.

    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.

    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.

    What about privacy?

    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

    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

    Partnering with FCB allows BMTX, Inc. to lead a new wave of financial innovation.

    "As one of the largest digital banking platforms in the country with approximately two million accounts, this merger allows BMTX to lead a new wave of financial innovation by enhancing its focus on technology, inclusion, easy-to-use products and customer education with the mission of creating 'customers for life.'"

    – Luvleen Sidhu, BM Technologies, Inc. Chair, CEO and Founder

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    You are leaving BMTX, Inc.’s website and entering ALLPOINT’s website.

    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.

    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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