BankMobile / Vibe

BankMobile is a student-checking programme. BM Technologies sits under First Carolina Bank. Eligible deposits are FDIC-insured at First Carolina, not at the Vibe icon. The $3.99 fee does not waive on financial-aid refunds. After Synapse, the partner name is the review.

Born as a Customers Bank spin, listed as BMTX, then folded into First Carolina. vibeaccount.com still logs students in. Directories say ‘BankMobile neobank’. This desk says: campus disbursement fintech, First Carolina holds the cash.

BankMobile / Vibe lists Fintech. Banking services via First Carolina Bank, Member FDIC. BM Technologies, Inc. under FDIC (partner) in United States. On safeguarding we currently write: FDIC pass-through on eligible deposits at First Carolina Bank, Member FDIC — confirm live. BankMobile / Vibe is not itself FDIC-insured. Customers Bank is no longer the partner.. Holder / issuer line: First Carolina Bank. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly $3.99 unless $300 qualifying deposits — financial-aid refunds do not count; FX Not a travel product; ATM Allpoint fee-free network — confirm live. This desk would open it for: US students at a partner campus who need the refund rail and will read First Carolina on the statement.

What it does well: Names First Carolina Bank; Campus distribution is the actual product; FDIC is at a bank. What to watch: Not a bank; Monthly fee trap on aid refunds; Partner changed (was Customers Bank). Desk score 6.1 / 10 (safety 6.6, fees 6.8, features 6.4, app 6.8). Last verified 2026-08-28. Headquartered in Wayne, PA / North Carolina, United States; founded 2015. None of this is advice — it is a file so you can read the entity before the card colour.