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.
| Monthly Fee | Per purchase | ATM withdrawl | Cash reload | Overdraft | |
|---|---|---|---|---|---|
| $0 No monthly fee for students* |
$0 |
$0 in-network $3.00 out-of-network |
$4.95 or less |
$0 | |
| ATM balance inquiry (in-network or out-of-network) | $0 |
| Customer service (automated or live agent) | $0 |
| Inactivity | $0 |
| BankMobile Vibe has 2 other types of fees: | |
| Outgoing Wire Fee | $25.00 |
| Card Replacement Fee | 10.0 |
|
You can access all of your funds for free with online bill pay, personal or official checks and using over 55,000 Allpoint ATMs. Please see fee schedule for more details. |
|
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 |
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 is a BankMobile partner and 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. |
|
Allpoint Network or Customers Bank ATM fee |
$0 |
There is no fee for using an Allpoint Network or Customers Bank ATM.
|
|
ATM cash withdrawal fee |
$3.00 at a non-Allpoint Network ATM or non-Customers Bank ATM. |
You withdrew cash at a non-Allpoint Network ATM or non-Customers Bank ATM. |
Fee Name |
Fee |
Explanation |
|---|---|---|
|
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. |
Fee Name |
Fee |
Explanation |
|---|---|---|
|
Card replacement fee |
10.0 |
The fee will be charged for each replacement card order. |
|
Outgoing wire transfer (domestic) fee |
$25 |
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. |
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. |
Funding Type |
Availabilty |
|---|---|
|
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 (EasyDeposit℠) |
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. |
|
Summary of agreement |
|---|
|
Your account is governed by the Account Terms and Conditions and Account Related Disclosures. |