BankMobile customers and students may need help with a financial-aid refund, refund preference, BankMobile Checking Account, BankMobile Vibe login, debit card, missing deposit, identity verification, transaction dispute, account restriction or account closure. BankMobile is operated through BM Technologies, Inc., a wholly owned subsidiary of First Carolina Bank, and BankMobile banking products and services are provided by First Carolina Bank, Member FDIC.

Quick Answer: Call BankMobile Customer Service at 1-877-327-9515. Live Customer Care agents are available from 8 a.m.-11 p.m. Eastern Time, seven days a week. The automated telephone service is available 24/7, but live agents are not available 24 hours a day. Students with financial-aid refund questions can also use RefundSelection.com.

BankMobile or your school? Your college or university determines whether you are owed a financial-aid or student-account refund, the amount and when the funds are released. BankMobile handles delivery after the school sends the refund information and money. Questions about financial-aid eligibility, tuition balances, grants, refund amounts or the school’s release date should normally begin with the school.

BankMobile customer service number 1-877-327-9515 — Tap the image or call BankMobile Customer Service at 1-877-327-9515.

BankMobile Customer Service Number and Contact Options

Main BankMobile Customer Service Number: 1-877-327-9515
Alternate Toll-Free Number: 1-866-309-7454
Live Customer Care Hours: 8 a.m.-11 p.m. ET, seven days a week
Automated Telephone Service: Available 24 hours a day, seven days a week

BankMobile Fraud Resolution Expert Team: 1-855-398-7260 for BankMobile Checking Account fraud
Student Refund Support: 1-877-327-9515
Refund Selection: RefundSelection.com
BankMobile Account Login: Sign in to BankMobile
Secure Email Support: Sign in, open FAQ, select Email Support Team and submit the secure form
BankMobile Help Center: BankMobile FAQs and Support
Higher Education Platform Admin Support: 1-866-663-2228, Monday-Friday, 8:30 a.m.-5 p.m. ET

Customer Mail: BM Technologies, Inc., 171 N Winstead Avenue, Rocky Mount, NC 27804
Official Website: BankMobile by BM Technologies

BankMobile does not currently promote a public live-chat option for ordinary account support. Customers are directed primarily to telephone support, secure email after login and the online Help Center.

Fraud warning: BankMobile says it will not contact customers and ask for a password, PIN, debit-card number or other sensitive information. If you suspect fraud involving a BankMobile Checking Account, turn the card off in the app when possible and call the published Resolution Expert Team at 1-855-398-7260. For a lost card or ordinary card problem, call Customer Care at 1-877-327-9515.

Best BankMobile Support Route by Issue

Student financial-aid refund: Confirm that the school released the funds, then check RefundSelection.com or call 1-877-327-9515.

Refund amount or release date: Contact the school’s financial-aid, bursar or student-accounts office.
Refund preference: Use RefundSelection.com.
BankMobile Checking or Savings: Call 1-877-327-9515 or 1-866-309-7454.
Lost or stolen card: Turn the card off in the BankMobile app when possible and call Customer Care immediately.
BankMobile Checking Account fraud: Call the Resolution Expert Team at 1-855-398-7260.

Unauthorized or incorrect transaction: Contact BankMobile promptly and follow the dispute instructions for the account.
Replacement-card activation: Call the automated telephone service at 1-877-327-9515, which is available 24/7.
Login or identity verification: Use the account-recovery tools first, then contact Customer Care if verification fails.

Routing number or direct-deposit information: Check the top of the account statement or open Direct Deposit in the BankMobile app.
Account restriction or closure: Contact Customer Care and ask what documentation or action is required.
School administrator support: Call 1-866-663-2228. Students should not use this line for personal refund or account questions.

BankMobile Student Refund and Refund Selection Help

Many colleges and universities use BankMobile Disbursements to deliver financial-aid credit balances and other student-account refunds. The process has two separate parts:

The school determines the refund. The college or university determines the student’s eligibility, refund amount and release date.
BankMobile delivers the refund. After the school sends the applicable refund information and funds, BankMobile distributes the money according to the student’s selected refund preference.

How to Select a BankMobile Refund Preference

Go directly to RefundSelection.com.
Enter the requested school and student information.
Create or access the BankMobile profile.
Review the refund methods available through the school.
Select the desired method.
Verify the email address, mailing address and any external bank information.
Save the confirmation.

Available choices depend on the school but may include deposit to a BankMobile Checking Account, electronic deposit to another bank account or a paper-check option.

BankMobile Refund Not Received

Ask the school whether the refund was released.
Confirm the release date and amount.
Sign in and review Refund Status & History.
Confirm the selected refund preference.
Check BankMobile email and text notifications.
Verify external-bank information if that was the selected method.
Check whether identity verification is incomplete.
If the refund was sent to another financial institution, allow at least three business days before treating it as missing.

Call BankMobile at 1-877-327-9515 and ask whether it received the refund from the school.
Request a case or reference number if further investigation is required.

If the school has not released the money, BankMobile generally cannot accelerate that part of the process. If the refund amount is wrong, contact the school’s financial-aid, bursar or student-accounts office.

Refund Sent to the Wrong Bank Account

If incorrect routing or account information was entered for an external deposit, contact BankMobile promptly. Ask whether the refund has already been transmitted and whether the payment can be traced or returned. Changing the preference after a payment has been sent does not necessarily redirect that existing payment. Keep all BankMobile and receiving-bank case numbers.

BankMobile Login, Routing Number, Fees and Account Help

BankMobile Login and BankMobile Vibe Login

Customers searching for a BankMobile Vibe login should use BankMobile’s current official sign-in route. The older Vibe name remains reflected in the secure.vibeaccount.com domain.

Use the Forgot login information option.
Enter the primary confirmed email address associated with the account.

Check spam and junk folders for verification messages.
Confirm that the telephone number on the account can receive messages.
Update the BankMobile app.
Try the official website if the app is not working.
Call Customer Care if account recovery or identity verification fails.

Avoid creating multiple BankMobile profiles unless BankMobile or the school specifically instructs you to do so.

Where to Find the BankMobile Routing Number

Do not rely on a routing number copied from an unofficial website. BankMobile directs customers to find their account and routing numbers at the top of the account statement or in the BankMobile app under Direct Deposit. Verify the displayed information before giving it to an employer, tax preparer or another financial institution.

BankMobile $3.99 Monthly Service Fee

The BankMobile Checking Account currently has a $3.99 monthly service fee. BankMobile says the fee can be avoided when qualifying deposits total at least $300 during the statement cycle.

Qualifying deposits can include direct deposits, transfers from external banks, check deposits, point-of-sale deposits and eligible cash deposits. Financial-aid refunds and other school refunds do not count toward the $300 requirement. Interest, promotional credits, internal transfers, fee credits, returned items and dispute credits also do not count.

BankMobile Identity Verification or Restricted Account

Verification can fail because of a name mismatch, incorrect date of birth, outdated address, recent legal name change, duplicate profile or missing documentation. Submit identity documents only through an official BankMobile secure process. Do not send them through an unexpected email, text link or social-media message.

If the account is restricted, read recent BankMobile messages, gather the requested documents and ask whether the restriction is temporary or permanent. Request a case number and ask how remaining funds will be returned if the account is being closed.

Closing a BankMobile Account

Before closing an account, download needed statements, redirect deposits, stop recurring payments, allow outstanding transactions to clear and transfer the remaining balance. BankMobile says customers can request account closure through Customer Care. Closing a BankMobile Checking Account does not necessarily change a future student-refund preference, so check RefundSelection.com separately.

Is BankMobile Down or Under Maintenance?

If the BankMobile app or login is not working, confirm the internet connection, update and restart the app, try the official website and check for a BankMobile notice. If the problem continues or access is urgently needed, call Customer Care. Do not enter BankMobile credentials on an unofficial outage, maintenance or login website.

BankMobile Debit Card, ATM, Fraud and Dispute Help

Activate a BankMobile Replacement Card

BankMobile’s automated telephone service can activate a replacement card and is available 24/7. Call 1-877-327-9515 and follow the automated prompts. Contact a live agent during Customer Care hours if activation fails or the card information does not match the account.

Lost, Stolen or Declined BankMobile Card

Use the debit-card on/off switch in the BankMobile app when available.
Call Customer Care immediately when the card is lost or stolen.
Check whether a declined transaction is pending or posted.
Confirm the card is activated and has not expired or been canceled.

Ask whether fraud monitoring caused the card to be canceled or restricted.
Verify the mailing address before requesting a replacement card.

BankMobile Fraud and Unauthorized Transactions

If you become a victim of fraud involving a BankMobile Checking Account, BankMobile publishes 1-855-398-7260 for its Resolution Expert Team. Turn the affected card off in the app when possible and contact BankMobile promptly.

Review the exact transaction and determine whether it is pending or posted.

Ask other authorized users whether they recognize it.
Report the debit card as lost or compromised when necessary.
Ask what dispute documentation is required.
Record the dispute or case number.
Monitor the account while the investigation continues.

For help identifying an unfamiliar merchant description, see what to do about an unrecognized bank or debit-card charge.

BankMobile ATM Problem

If an ATM did not dispense the correct amount, kept the card or produced another transaction error, keep the receipt, record the ATM location and time, check whether the withdrawal is pending or posted and call BankMobile. Ask whether the ATM owner must also be contacted and request an investigation number.

How to Escalate a BankMobile Complaint

Start with BankMobile Customer Care. Call 1-877-327-9515 or 1-866-309-7454.
For BankMobile Checking Account fraud, use the published specialist route. Call the Resolution Expert Team at 1-855-398-7260.
Request a case number. Record the date, department, representative and promised action.
Use secure email when documents are required. Sign in, open FAQ and choose Email Support Team.

Contact the school when it controls the issue. The school determines financial-aid eligibility, refund amounts and when a refund is released.
Request supervisor review. Explain the unresolved issue and continue using the existing case number.
Use an outside regulator when appropriate. Financial-account complaints may qualify for review by a banking regulator or consumer-protection agency.

Outside resources include the Consumer Financial Protection Bureau complaint portal, the FDIC consumer complaint process and the applicable state banking regulator.

About BankMobile, BM Technologies and First Carolina Bank

BankMobile: The consumer-facing digital-banking and student-refund brand.
BankMobile Vibe: An older name that remains widely searched and appears in the official vibeaccount.com login domain.
BM Technologies, Inc.: The company operating BankMobile’s platform and higher-education disbursement technology.

First Carolina Bank: The parent bank and provider of BankMobile banking products and banking services.

BM Technologies became a wholly owned subsidiary of First Carolina Bank in 2025. Current customer correspondence can be sent to:

BM Technologies, Inc.
171 N Winstead Avenue
Rocky Mount, NC 27804

The former BankMobile address at 115 Munson Street in New Haven, Connecticut should not be used as the current customer-service mailing address.

BankMobile Customer Service Reviews and Complaints

There are currently no CustomerServiceNumbers.com reader reviews available to establish a BankMobile customer-service rating or a reliable positive or negative support trend. A displayed zero when no ratings have been submitted should not be interpreted as a zero-star customer verdict.

If you have contacted BankMobile, leave a firsthand review below. Helpful reviews explain whether the issue involved a student refund, bank account, debit card, fraud, deposit, dispute or login; which support route was used; whether a case number was provided; how long the process took; and whether the issue was resolved.

Protect your financial information: Do not post Social Security numbers, student IDs, account numbers, debit-card numbers, passwords, PINs, verification codes, routing numbers, login information, identity documents, home addresses or private banking correspondence in a public review.

BankMobile Frequently Asked Questions

What is the BankMobile customer service number?

The main BankMobile customer-service number is 1-877-327-9515. BankMobile also publishes 1-866-309-7454 as an alternate toll-free number.

What are BankMobile customer-service hours?

Live Customer Care agents are available from 8 a.m.-11 p.m. Eastern Time, seven days a week. The automated telephone service is available 24/7.

Is BankMobile customer service open 24 hours?

The automated system is available 24 hours a day. Live-agent support is available from 8 a.m.-11 p.m. ET.

How do I speak to a live person at BankMobile?

Call 1-877-327-9515 or 1-866-309-7454 during live-agent hours and follow the prompts for the applicable account, card or refund issue. BankMobile does not publish a guaranteed shortcut that bypasses every telephone prompt.

What is the BankMobile fraud department number?

BankMobile publishes 1-855-398-7260 for its Resolution Expert Team when an account holder becomes a victim of fraud involving a BankMobile Checking Account.

How do I activate a BankMobile card?

BankMobile’s 24/7 automated telephone service can activate a replacement card. Call 1-877-327-9515 and follow the card prompts.

How do I find my BankMobile routing number?

Find the account and routing numbers at the top of the BankMobile account statement or in the BankMobile app under Direct Deposit. Do not rely on a routing number copied from an unofficial website.

How do I contact BankMobile about a student refund?

Call 1-877-327-9515 or use RefundSelection.com. If the school has not released the refund, contact the school’s financial-aid, bursar or student-accounts office first.

Why has my BankMobile refund not arrived?

Possible causes include the school not releasing the funds, an incomplete refund preference, incorrect external-bank information, pending identity verification or processing at the receiving bank.

Is BankMobile Vibe the same as BankMobile?

BankMobile Vibe is an older name still associated with BankMobile student accounts. Current branding generally uses BankMobile, while the official login continues to use a vibeaccount.com domain.

How do I contact BankMobile by email?

For account-specific support, sign in to BankMobile, open the FAQ section, select Email Support Team and complete the secure form.

Does BankMobile have live chat?

BankMobile’s primary current contact information does not advertise public live-chat support for ordinary customer accounts.

Does BankMobile Checking have a monthly fee?

Yes. The BankMobile Checking Account currently has a $3.99 monthly service fee. It can be avoided when qualifying deposits total at least $300 during the statement cycle. Financial-aid and other school refunds do not count toward that threshold.

Who provides BankMobile banking services?

BankMobile banking products and services are provided by First Carolina Bank, Member FDIC. BM Technologies, Inc. is a wholly owned subsidiary of First Carolina Bank.

Related BankMobile and Financial Customer Service Resources

About This Page

Why Trust This BankMobile Customer Service Guide?

CustomerServiceNumbers.com reviewed BankMobile’s official contact page, BankMobile account and security pages, current Help Center, refund-selection guidance, published telephone hours, fraud support, mailing address, ownership information, routing-number instructions and fee information. We distinguish live-agent availability from the 24-hour automated service and identify when a student should contact the school instead of BankMobile.

Last reviewed: August 29, 2026.

CustomerServiceNumbers.com is an independent consumer information and review website and is not affiliated with BankMobile, BM Technologies, Inc., First Carolina Bank, any college or university, the U.S. Department of Education, a payment network or a financial regulator. We cannot access BankMobile accounts, select refund preferences, release financial-aid funds, process disputes, replace cards, verify identities or close accounts.

BankMobile telephone numbers, hours, banking terms, fees, refund procedures and account-support routes can change. Verify sensitive account actions through BankMobile’s official website, secure account, published telephone system, your school and applicable First Carolina Bank disclosures.

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BankMobile Customer Service Number, Hours, Refund, Card and Login Help