Review Time
Terrible customer service and if not resolved by next week I will be contacting the BBB!!!! I have been going back and forth with them for 2 weeks now with no resolution at all!! I was hacked and can't access my mobile account. I have always selected a check for my refund because I've heard how terrible bank mobile is. Everyday I call them they say they are going to help me reset my password but I've never even created one because I get a check. This is the second week they've been telling me they unlocked my account and I still can't access it! Today they told me my check got sent to a complete stranger and there's nothing they can do about it!!! Are you kidding. Also, when they emailed me instructions on how to long in they sent me another students personal information! I can see her ID , the last 4 of her social security and address!!! No wonder I got hacked ! How many students have they mixed up and shared our personal information to??? So I'm locked out of my account, can't access any information, can't get a check resent...so what the heck am I supposed to do???
BankMobile Review – Restricted Funds and Repeated Account Blocks
My experience with BankMobile has been extremely frustrating and financially disruptive. I received my student refund on Friday, but immediately discovered my debit card had been locked. I had to call customer service just to regain access to funds that were already deposited into my account.
Two days later, on Sunday, I attempted to purchase a computer at the Apple Store. My card was declined despite sufficient funds being available. I was forced to stand in the store on hold with BankMobile customer service for approximately 45 minutes before an agent unlocked the card again and allowed the transaction to go through. This was embarrassing and completely unnecessary.
On Tuesday, I contacted BankMobile to confirm whether I could use my account to pay bills. I was explicitly told that I could. Based on that guidance, I paid three credit card bills through my BankMobile account without any indication there would be a problem.
While setting up an external bank account connection, I accidentally entered incorrect information once. I immediately corrected it and successfully logged into my external account, where my balance displayed, confirming the connection worked. However, BankMobile claimed the verification failed. I attempted again with another account — again seeing my balance displayed — yet BankMobile still marked the verification as failed.
After deleting the accounts to retry the process, BankMobile suddenly restricted my entire account. They also returned my three credit card payments, in which I will receive $35 return fees. Who is going to pay for that? I was then informed that my funds could be inaccessible for up to 15 days, even though the money is already in my account and belongs to me.
What is most concerning is the lack of reasonable resolution options. BankMobile’s website states it is affiliated with First Carolina Bank, so I asked whether I could visit the bank in person to verify my identity and resolve the issue immediately. I was told the bank only “backs” BankMobile and cannot assist customers directly.
This raises serious concerns about accountability and access to funds. Customers are left dealing with an online-only system that repeatedly locks accounts, declines legitimate transactions, and restricts access to deposited money without meaningful escalation or in-person verification options.
Students rely on refund funds for essential expenses such as housing, transportation, and academic needs. Restricting access for extended periods — especially after multiple successful identity confirmations — creates unnecessary financial hardship.
I am requesting immediate restoration of access to my funds and clearer policies regarding account verification and restrictions. No customer should have to repeatedly call just to use their own money!!
Locked out of my account for changing my information, then after a two hour wait on the phone, two people told me I did not have an activated account. Then after asking for my email magically found my account. Then put on hold for another two hours. Someone picked up, asked me for my info again and then put me back on hold. Then told me they were closed for the day.
This is from the account I apparently do not have, which has school funds which I now cannot access because BankMobile is automated with horrible customer support and resolution staff.
Dear Michael Soma,
Please be advised that we have identified unusual activity associated with your profile(s) and, as such, have made the determination to restrict your profile(s) access pending further investigation. Your refund will process by paper check and will be delivered to the address provided by your school. If the address on file is not accurate, please reach out to your school to update. Paper check refunds are available in 5-7 business days and will arrive in an envelope from BM Technologies Disbursements Payment Processing Center.
Thank you,
The Customer Success Team
Reference ID: 847B994B
I tried to update my external bank account and address on the website. Instead it logged me out, locked me out, and I got an email stating my refund would come in the mail as a paper check. Called their “customer service” line to get this fixed, sat on hold for 2 hours only to get an idiot who was obviously doing something else while on the phone with me. She proceeded to ask me the same questions over and over again, didn’t listen to what I said the problem was, and the “resolution” was to make me fill out a report, send proof of enrollment, a copy of my ID, and a selfie of me holding the ID. All I needed was to verify that I was the one making changes and get my account unlocked. There was no compromise of my account, which I explained numerous times. Now I’m stuck getting a paper check. Every other bank I’ve used has been able to unlock an account with confirmation that there was no fraudulent activity from the account holder. This bank is stuck in the dark ages.
I am filing a complaint with the BBB and I have sent an email to the President of my daughter’s university to disassociate the campuses from doing business with Bankmobile. My next step will be legal. This is absolutely horrid. I spoke to a Bankmobile representative and their “Supervisor” and the Supervisor said he would return to the call right away and left my daughter and I on hold for over an hour. I have been on hold now for almost 3 hours!!! And the request we made can be fixed in 5 minutes!!
No stars need to be given I've been locked outta my account and already turned in everything for my account to be uncompromised and I've been trying to call and have been on hold for 3 hour then it hangs up I'm pissed because they already havemy school my money there
So they have the option to let you do a mobile transfer instead of them mailing the check but each time I go to do it, it proceeds to lock me out every single time and every single time I have went through with dealing with it being mailed the check has to hold inside of my bank for an additional week. Why can't we go back to how it was back then versus predatory companies handing out our FA. It makes no sense to have a middle man when the middle man literally has his special awareness headphones at full max.
This financial institution has been one of the most frustrating I've ever encountered. The issue started on 3/31/25, and I am still grappling with it without any resolution. For over nine months, I've been attempting to recover $1,977.11 that was fraudulently sent to an incorrect account after my information was changed without my consent. As a customer for nearly four years, I had never faced any issues and received no alerts regarding changes to my account details. Suddenly, my school-issued funds were misdirected, and the institution has done absolutely nothing to rectify the situation. Instead of taking responsibility as the sender, they kept directing me to “contact another bank,” even though that bank confirmed that the institution must submit a specific request to retrieve the funds. I was clearly informed that only the institution that made the error can initiate this request. Yet, they refuse to do it. They closed my fraud claim and insist the decision is “final,” despite their own communications stating that claims can be reopened if the customer is not satisfied — which has proven to be untrue. I've submitted numerous escalation requests and have received no feedback. There have been no follow-ups, no management outreach, and no accountability. Every interaction feels like they are distancing themselves from the problem, leaving the customer to resolve it. There is a lack of transparency, urgency, and customer support when it is truly needed. If you care about your finances, I strongly advise against using this institution. If an issue arises, you are left to fend for yourself. They take no responsibility, even when they are the only ones who can resolve the problem. I am still missing $1,977.11, and the institution continues to disregard my requests.
Whenever I try to access my account, I receive an access denied message, and eventually, it states that my account is locked, requiring me to change my password to regain access. After changing my password, I still face access denied notifications. I have not received my college refund because someone else accessed my account. When I reported this issue, the investigation concluded that the refund was successfully delivered, despite it being sent to an account that is not mine, which I clearly communicated.
My account is locked and the service claims they need to verify my identity. They say they can't locate my school, yet they accepted funds from it and refuse to return them. I'm at a loss for what to do—please, someone help me 😩😭😭😭
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BM Technologies, Inc. is among the largest digital banking platforms in the U.S., providing access to checking and savings accounts as well as financial wellness for college students and graduates across the country. With over 700 college and university partners utilizing its disbursements program, BM Technologies, Inc. serves one out of every three students receiving financial aid refunds in the U.S. BM Technologies, Inc., a wholly owned subsidiary of First Carolina Bank, Member FDIC and Equal Housing Lender. More information can also be found at https://bmtechnologiesinc.com/. See more
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