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A Guide to BankMobile Vibe Services and Fees

It's important to understand how your account works. This guide lists the fees and key terms associated with your account. Some fees may vary by school program and account type. Please log in to see the fees associated with your specific account and learn about ways to manage your money responsibly.


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Effective July 3, 2017
Account
Usage

Use Allpoint® Network and Customers Bank ATMs to avoid ATM fees.

Fee Name Fee Explanation
Minimum deposit to open account $0 There is no minimum opening deposit for this account.
Monthly service fee $0 for enrolled students, as identified by your school or with a deposit of $300 or more per statement cycle

Otherwise, $5.951
BankMobile partners with your school to distribute your financial aid refunds. Through this partnership, your school provides BankMobile with your student enrollment status on a monthly basis. This information is used by BankMobile to determine your eligibility for a waiver of the monthly service fee. If your school indicates to us that you are currently enrolled with them, you will be considered to be an “Enrolled student”. In any statement cycle where you are considered to be an enrolled student, you will not be charged a monthly service fee.

Non-enrolled students, as identified by your school, will be charged a monthly service fee. Similarly, if your school is no longer partnered with BankMobile or if you enroll with another school which is not partnered with BankMobile, you will be charged a monthly service fee. However, you may still avoid this fee by having a deposit of $300 or more in a given statement cycle. Qualifying deposits include direct deposit, check deposits and cash deposits such as those made via Green Dot® Reload @ the Register™.

A financial aid refund does not qualify as a deposit to waive the monthly service fee.

To view your student enrollment status log in and select “Enrollment Status” from the User Profile menu.
ATM fee for using Allpoint Network ATMs, Customers Bank ATMs or on-campus Cardtronics ATMs $0 There is no fee for using an Allpoint Network ATM, Customers Bank ATM, or on-campus Cardtronics ATM.

Find an Allpoint Network or Customers Bank ATM.
ATM cash withdrawal fee $3.00 at a non-Allpoint Network ATM, non-Customers Bank ATM or off-campus Cardtronics ATM.

(Plus any fees the ATM owner may charge)
You withdrew cash at a non-Allpoint Network ATM, non-Customers Bank ATM or off-campus Cardtronics ATM.

Make sure you use FREE Allpoint Network or Customers Bank ATMs.
 
Overdrafts

BankMobile does not provide overdraft protection services.

Insufficient funds fee for returned or paid item $0 per item No insufficient funds fees will be charged for any transaction.

BankMobile will not authorize ATM withdrawals or one-time or recurring debit card transactions when there is not enough money in your account.
Unavailable funds fee for returned or paid item $0 per item No unavailable funds fees will be charged for any transaction.

BankMobile will not authorize ATM withdrawals or one-time or recurring debit card transactions when there is not enough money in your account.
 
Other
Fees
Outgoing wire transfer (domestic) fee $25.00 The fee will be charged for each transfer requested by you that is debited from your account and delivered to another U.S.-based bank account via wire.
Green Dot®
Reload @ the Register™ fee
$4.95 or less Ask the cashier to add cash directly to your card at participating retailers. A fee of $4.95 or less is charged by Green Dot per deposit. This fee is paid at the register. You can add any amount from $20 to $500 per day as long as card limits are not exceeded.
Additional Information
Processing
Policies
Posting order (the order in which deposits and withdrawals are processed) - summary Typically, we post credits first and will pay all other items by type in the date and time order of the transaction received unless a) it is a check or a converted check that contains a serial number or b) a date and time stamp is not present. Items with serial numbers will be paid in serial number order and items without date and time stamps will be paid in the order they are received.
 
Funds Availability Schedule

When funds deposited into your account are available. For more information please refer to the Funds Availability Policy contained in the Account Terms and Conditions. Paper checks mailed with a deposit slip to BankMobile (P.O. Box 9830, New Haven, CT 06536) will be made available the next business day after the check is received. For checks deposited via EasyDepositSM Mobile refer to the Funds Availability Policy.

Direct deposit Same business day
Green Dot® Reload @ the Register™ Same business day
Wire transfer Same business day
U.S. Treasury checks Next business day
State or local government checks Next business day
Cashier, certified, and teller's checks Next business day
Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service money orders Next business day
Mobile Deposit (Easy Deposit SM) Second business day
Other paper checks Second business day
Other money orders (e.g. MoneyGram or Western Union) Second business day
Transfer Money Third business day
  • In certain circumstances, we may delay the availability of all or a portion of the funds deposited to your account beyond the time frames listed above.
  • Please refer to the Funds Availability Policy for further information about delays in the availability of funds.
 
Dispute Resolution Summary of agreement Your account is governed by the Account Terms and Conditions and Account Related Disclosures.
Please refer to this Agreement for complete account details.

1 The monthly service fee will only reduce an account to a zero balance, which may result in customers being charged less than $5.95 per statement cycle. The monthly service fee may be applied to the customer's account within 5 business days after the close of their monthly statement cycle.