Features

The BankMobile Vibe Checking Account is more than just a place for refunds to go. It is a full-service checking account with a suite of products and features that have been built with you in mind, including:

INTEREST-BEARING CHECKING

When you’re no longer a student, start earning interest on your account with 2.00% Annual Percentage Yield (APY)2 on balances up to $15,000 simply by using your BankMobile Vibe Debit Mastercard® card – That’s 33X higher than the top banks!3

PASSPORT RECOGNITION PROGRAM

Where all of your smart money management, academic achievement and good financial behaviors pay off with a chance to win up to $10,000 in the Student Success Sweepstakes1 to put toward paying off any student loan debt!

WORLDWIDE FEE-FREE ALLPOINT® ATMS

Getting your cash shouldn’t come with a fee. BankMobile Vibe offers fee-free access to over 55,000 fee-free Allpoint® ATMs.

BANKMOBILE APP

Stay on top of your finances by managing your accounts wherever you go with the BankMobile App.

BUDGETING TOOLS

Manage your money wherever you are with our built-in money management tools, Money Meter and SnapShot.

BILL PAY

With Bill Pay, easier payments are just a few clicks away. Make payments anywhere, anytime.

Deposit Options

The Vibe account’s quick and convenient deposit options allow you to add money wherever and whenever you need to!

Better features, better banking.

Use the comparison chart to to see how we compare to other institutions.

Features

  WELLS FARGO
Account Name Vibe Checking Everyday Checking
Approximate Number of Free ATMs 55,000 13,000
Approximate Number of Branches 0 5,700
Interest Bearing Account check no
Interest Bearing Savings Account Offered check check
No Minimum Opening Balance check no
Mobile App check check
Money Management Tools check check
Recognition for Academic Achievements check no
Mobile Bill Pay check check
Debit Card On/Off Switch check check
Mobile Check Deposit check check
  CHASE
Account Name Vibe Checking Chase College Checking
Approximate Number of Free ATMs 55,000 16,000
Approximate Number of Branches 0 5,100
Interest Bearing Account check no
Interest Bearing Savings Account Offered check check
No Minimum Opening Balance check no
Mobile App check check
Money Management Tools check check
Recognition for Academic Achievements check no
Mobile Bill Pay check check
Debit Card On/Off Switch check no
Mobile Check Deposit check check
  BANK OF AMERICA
Account Name Vibe Checking Advantage Plus Banking
Approximate Number of Free ATMs 55,000 16,100
Approximate Number of Branches 0 4,400
Interest Bearing Account check no
Interest Bearing Savings Account Offered check check
No Minimum Opening Balance check no
Mobile App check check
Money Management Tools check check
Recognition for Academic Achievements check no
Mobile Bill Pay check check
Debit Card On/Off Switch check check
Mobile Check Deposit check check

 

This information was obtained from the Wells Fargo, Chase and Bank of America websites as of 1/11/2019.

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© 2019 Green Dot Corporation. Green Dot is a trademark of Green Dot Corporation.

 

1 NO PURCHASE NECESSARY. Legal U.S. residents of the 50 United States (D.C.) 18 years and older. Enter by 3/31/18, 6/30/18, 9/30/18 or 12/31/18 ET at 11:59 p.m. to be included in prize drawing. For Official Rules, including odds, prizes, how to mail-in an entry and how to opt out, visit https://bankmobilevibe.com/studentsuccessofficialrules/. Void where prohibited.

 

2 APY is accurate as of 10/01/2018. An interest rate of 1.98% will be paid for average daily balances up to $15,000 with an Annual Percentage Yield (APY) of 2.00%; average daily balances greater than $15,000 will earn a 0.01% interest rate only for that portion of the average daily balance that is greater than $15,000. The annual percentage yield for this tier will range from 2.00% to 0.27% depending on the balance in the account (calculation based on a $115,000 average daily balance). Interest rates and APY are variable and may change at our discretion at any time without notice. Fees may reduce earnings. A withdrawal from your account will reduce earnings. In order to qualify for interest, account holders must be a non-enrolled student, as identified by our partner school and make $500.00 or more in point-of-sale purchases with their BankMobile Vibe Debit Mastercard® per statement cycle (ATM transactions and point-of-sale refunds do not qualify). View our Fee Schedule and Terms and Conditions for information on how we determine student status and interest.

 

3 This claim applies to BankMobile Vibe Checking Account balances up to $15,000. National rates are calculated as of 10/01/18 and are based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Data used to calculate the national rates are gathered by RateWatch. Savings and interest checking account rates are based on the $2,500 product tier while money market and certificate of deposit are based on the $10,000 and $100,000 product tiers for non-jumbo and jumbo accounts, respectively. Account types and maturities published in these tables are those most commonly offered by the banks and branches for which we have data – no fewer than 45,000 locations and as many as 81,000 locations reported. The deposit rates of credit unions are not included in the calculation.

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