BM Technologies Inc

Deposits held and insured by First Carolina Bank

Overview / Commentary
877-327-9515
171 N Winstead Ave.
Rocky Mount, NC 27804
Deposits held and insured by First Carolina Bank

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/.

AMAZING RESPONSE TIME!!

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I just want to say thank you so much Karey for the help and clarification!! It was such a relief that the team got back to me so quickly and solved my issue, this was such an amazing experience. Thank you guys so much again and shout out to Karey for being so patient and kind!!

Terrific Customer Service!

Posted by: |

BankMobile’s customer service team is phenomenal! Anytime I am having issues, the team is always very professional, polite and knowledgeable.

Twitter Support Is Better Than Website Or Phone

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Website is easy to use, but for support, it is very bad especially if you are unable to access your account. In order to contact them via E-mail, you have to be logged into your account, where in my case was impossible. Every time I use this for my school's refund, there is always an issue with accounts and I wonder why is that. And the number to call for support just loops you through the same procedures without any resolution to your problems.

Other than that, the Twitter customer support was very good! Jenny was the person who was helping me and she helped me resolve my issues quick and easy.

One Of The Worst Experiences I've Ever Had With An Online Banking Service.

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The platform is full of limitations that make even the simplest tasks frustrating and time-consuming. Their so-called "automated customer service" is absolutely awful—completely useless when you need real support. There’s no reliable way to get timely help, and no accountability when things go wrong.

This service has failed to meet even the most basic expectations of modern banking. I will never use it again!

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Health
A

Data as of Q1 2025

Data displayed below is for insuring bank: First Carolina Bank
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Health Grade Components

Overall
FDIC Certificate #35530
Year Established2000
Employees156
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD5.73%
Annual Interest Income$44.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$3.22B$2.89B
LoansQ1 2025vs Q1 2024$2.63B$2.35B
DepositsQ1 2025vs Q1 2024$2.72B$2.52B
Equity CapitalQ1 2025vs Q1 2024$397.9MM$332.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$21.7MM$18.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$17.4MM$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

BM Technologies Inc Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$0$15kBankMobile Savings
OTHER TIERS: 0.01% $15k+

BM Technologies Inc Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$0$1kStudent BankMobile Vibe Checking
OTHER TIERS: 0.01% $1k+
0.50%*$0$1kBankMobile Vibe Checking
OTHER TIERS: 0.01% $1k+
0.50%*$0$1kBankMobile Interest Bearing Checking
OTHER TIERS: 0.01% $15k+ | 0.02% $1k - $15k
Locations

BM Technologies Inc is an Internet only bank and does not have branch locations. Its headquarters is located at 171 N Winstead Ave. - Rocky Mount, NC 27804

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.