Your Bank Account For Life

The BankMobile Checking Account is exclusive to students attending our 700+ partner colleges and universities across the U.S. Every year, thousands of students choose to open a BankMobile account to get their financial aid refund the same business day. After getting your refund, continue using your account for life.

Compare our features and see how we stack up.

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33,000+ 5-star app reviews
If you open a digital BankMobile Checking Account (upon identity verification), money is deposited the same business day we receive funds from your school.

Earn cash back

Automatically earn cash back on BankMobile Debit Card purchases from merchants you know and love at 40,000+ online locations and 12,000+ local locations. See Cash Back Terms & Conditions.

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Get paid two days early*

Deposit your paycheck to your checking or savings account, and you may receive your deposit up to two days early. To enroll in direct deposit, complete and submit the enrollment form to your employer.

*Early access to funds cannot be guaranteed. Limitations apply.

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Earn interest and grow your money!

Watch your balance grow steadily over time, helping you reach your financial goals sooner!

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Financial empowerment

We're serious about your financial future.

Our mission

We are on a mission to financially empower millions of Americans by providing a more affordable, transparent, and consumer-friendly banking experience.

Our Annual Financial Empowerment Scholarship

Be financially literate, empowered, and free: Our $1,500 no-essay, video scholarship awaits trailblazers like you!

The essentials

Manage your money with convenience and simplicity.

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Move money

Bill pay.

Transfers.

Send money to other customers via MobilePay.

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Add money

Early payroll direct deposit. Learn more

Mobile check deposit.

Cash deposits* at 90,000+ retailers nationwide like 7-Eleven®, Walgreens®, and CVS® via Reload @ the Register™ & Rapid Reload.™ Find a location

*Up to $500 at most locations. A retail service fee of $4.95 or less is charged per deposit by the corresponding retailer. Reload and balance limits apply. Keep your receipt. ©2025 Green Dot Corporation. Green Dot is a trademark of Green Dot Corporation.

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Your card

Use your card at any merchants that accept Mastercard®.

Add your debit card to Apple Wallet®, Google Wallet™, or Samsung Wallet. Get the app

Withdraw money* at 55,000+ fee-free Allpoint® network ATMs. Find a location

*Allpoint ATM location, availability, and hours of operation may vary by merchant and is subject to change.

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Security

Debit card protection
Did you misplace your debit card? Use the debit card on/off switch to temporarily turn off your card to help protect against unauthorized use. Available through the BankMobile App. Learn more

Zero Liability protection
You’re not liable for unauthorized transactions. If you suspect fraud, just turn your card off in your app. See terms and conditions

Privacy
We understand the importance of protecting the safety and confidentiality of the information you provide, and we treat this information with the utmost security and respect. Learn more

Protect yourself from fraud
Unfortunately, fraudsters often pose as credible companies “phishing” for your personal or financial information through emails, text messages, voice calls, and social media. Although we may contact you if suspicious activity is detected on your account, we will never ask you to share personal or financial information unless you call us first. Never share one-time passcodes with anyone unless you contacted BankMobile  Customer Service directly. Learn more

Award-winning company and account

• TECH & LEARNING AWARD OF EXCELLENCE: BACK-TO-SCHOOL 2024

• GOLD STEVIE® AWARD FOR TECHNOLOGY EXCELLENCE: 2024 EDTECH COMPANY OF THE YEAR

• BIG INNOVATION AWARD (EDUCATION) 2025

Exceptional customer service

Our dedicated agents are here to assist you 8 AM – 11 PM ET, 364 days of the year!

Customer service team is phenomenal! Anytime I am having issues, the team is always very professional, polite, and knowledgeable.

-Lann
Mike helped me tonight unlock my suspended account in a timely manner. Having two young sons who are loud makes it hard for me to call to get situations handled, so I greatly appreciate his kindness and courtesy in helping me get this fixed. 5/5 exceptional service.

-Cheyenne W.
I just want to thank Cathy for the amazing help this afternoon and I want to thank her for being prompt with responses and having a great happy attitude! I really appreciate the help and thank you again, Cathy, for your amazing help!! 5 out of 5 to Cathy!! 😊

-Alexi B.
I was ordering checks and wasn't sure what address I should enter for the bank. I asked a question about this and received a response in minutes. I live in a rural area where many places still want a paper check. Thank you for giving me peace of mind!

-Anonymous
Learned how to activate and have access to my temporary virtual card thanks to Mike. Fast replies and friendly service

-Tyrell D.
I forgot to update my address, so my checks were sent to the wrong address, and for safety reasons they do not allow forwarding. Totally my fault. But the customer service I received from Jenny was so amazing! The issue has since been resolved and within the same day at that, and my anxiety is gone. When you’re waiting on school money it can feel overwhelming if it’s delayed. Thank you to Jenny for your fast help!

-Britney L.
I was helped by Paul and he was very helpful and efficient with getting me logged back into my account!

-Ashley G.
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About the BankMobile Checking Account

The BankMobile Checking Account is a digital-first, student checking account designed for those attending our partner universities who are seeking a low-cost, convenient way to manage their finances. With accounts opened online, students can get started quickly, as the setup will typically occur in minutes. The account offers a seamless digital experience with an intuitive smartphone app that enables account holders to manage their bank account with ease at the tap of a finger!

The BankMobile app is easy to use, and with 33,000+ five-star app reviews, is one of the best mobile banking apps, allowing account owners to access their funds, transfer money, spend money, and deposit money all in the palm of their hands. The mobile app includes a mobile deposit feature, enabling users to deposit checks simply by snapping a picture with their smartphone. The account also has multi-factor authentication, adding an extra layer of security. Account holders should be aware that message and data rates may apply. Data rates may apply depending on their mobile carrier as well when using this service.

For those concerned about overdrawing their account, we are proud to say that we do not charge overdraft fees. The account is structured to be as cost-efficient as possible, with a low monthly maintenance fee that can be waived—a major advantage over many other banking institutions. This makes it particularly appealing to full-time students and working students who want to avoid unnecessary costs.

The account also supports ATM access, allowing users to withdraw cash at tens of thousands of in-network ATMs without fees.* However, if an ATM transaction is performed at an out-of-network ATM, fees may apply, depending on the ATM provider. This transparency in fee structure helps account holders make informed decisions about their spending and withdrawals. The account is built to be fee-friendly overall, reducing common banking costs for users.

In the world of banking and branding, "marks are wholly" refers to trademarks, logos, and proprietary elements that a company fully owns and controls. For the BankMobile Checking Account, this means that all branding, including its name and logo, are legally protected and cannot be used without permission. This helps maintain consistency, trust, and security for customers while preventing unauthorized use. By ensuring this, the BankMobile Checking Account strengthens its identity and credibility in the financial industry, setting it apart from competitors and reinforcing its reputation as a reliable, digital-first banking solution.

Overall, the account stands out as a modern, mobile-first solution that eliminates many of the traditional fees associated with banking. With its user-friendly app, exciting features, it offers a strong alternative to other banking platforms and is one of the best digital banking solutions. The BankMobile Checking Account is a fee-conscious and digital-friendly banking platform that provides convenience, flexibility, and security—all without the burden of excessive costs.  

*Allpoint ATM location, availability, and hours of operation may vary by merchant and is subject to change.