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Financial Wellness at Work

Our Workplace Banking program transforms our traditional banking products and services into a powerful Employee Financial Wellness Benefit.
Come explore the full suite of bank products and services with exclusive benefits like:
• Interest with qualifying deposits1
• On-the-go money management tools
• Financial empowerment blog
• Personalized financial coaching
Finan

Workplace Checking Account

With the Workplace Checking Account you can earn interest with qualifying deposits1 and experience no monthly service fee, convenient mobile banking, and more!

Workplace Savings Account

The Workplace Savings Account lets you earn interest and has no monthly service fee. Making your money grow with us and helping you reach your financial goals is our top priority.

In order to qualify for a Workplace Savings Account, you must have a Workplace Checking Account.

Financial Wellness

Banks are integrated into every employee’s life, and that’s why our solution can have an immediate and positive impact on employee financial wellness.

Your money should work for you, not the other way around.

Bank smarter and watch your balance grow. The Workplace Checking Account offers 1.00% APY1 on balances up to $15,000.99.

Deposit

Make qualifying deposits1 of $300 or more per statement cycle then you will be eligible for interest, otherwise you will earn no interest.

Earn

At the end of your statement cycle, we will look at your qualifying deposits and use your average ledger balance to calculate your earned interest and then apply it to your account.

1 In order to qualify for interest, Workplace Checking account holders must make Qualifying Deposits totaling $300.00 or more per statement cycle. Qualifying Deposits include direct deposit, transfers from external bank accounts, check deposits, point-of-sale deposits and cash deposits such as those made via Green Dot® Reload @ the Register™. Interest earned on your account, promotional credits such as cash back rewards, internal account transfers, fee waivers, fee credits, returned items or dispute credits are not eligible toward the $300 in total deposits. Annual Percentage Yield (APY) accurate as of 8/20/2020. An interest rate of 1.00% will be paid for average daily balances up to $15,000.99 with an Annual Percentage Yield (APY) of 1.00%; average daily balances greater than $15,000.99 will earn a 0.01% interest rate only for that portion of the average daily balance that is greater than $15,000.99. The annual percentage yield for this tier will range from 1.00% to 0.76% depending on the balance in the account (calculation based on a $20,000.00 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. For more information see the Workplace Checking Account Fee Schedule and Interest Rate Information and Terms and Conditions.

What customers are saying about us:

Here's what our Trustpilot reviews have to say about banking with BankMobile:

Bankmobile has always been fair and competitive with their rates and customer service is excellent.

Larry Gayheart

Pleasant to work with and customer services has always been Professional! Keep up great work!

Dovle Gordon

Bankmobile is the best hands down!!!

Ralph Williams

Bank mobile is Absolutely Wonderful, I had an issue and the customer service I received was impeccable.

Brenda Kenney

Bank smarter wherever you are — thanks to the BankMobile Workplace app.

Banking on the go

Meet your new favorite bank account!

Begin enjoying your full-service checking account with BankMobile, complete with great features and benefits ranging from unique tools designed to help you get ahead to competitive interest rates.

Deposit options

  • Direct Deposit
    Get paid on payday and have your paycheck (or any recurring income) deposited straight to your checking and/or savings accounts—convenient, fast, and secure.
  • Tax Refunds
    Having your tax refund deposited directly to your checking or savings account is simple, safe and secure. While filling out your tax forms, simply provide your account and routing numbers.
  • Reload @ the RegisterTM & Rapid ReloadTM
    Add cash to your Workplace Checking Account at participating retailers.
  • 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.

Money movement & withdrawals

  • Transfers
    Move money from external accounts. Log in to your account above to transfer money.
    Limit six (6) transfers or withdrawals per statement cycle from your Workplace Savings Account.
  • Allpoint® Network ATMs
    BankMobile offers fee-free access to over 55,000 fee-free Allpoint® Network ATMs because getting your cash shouldn't cost you anything. ATM availability varies by location.
  • Bill Pay
    Easily make payments anytime, anywhere with Bill Pay using the
    BankMobile Workplace app.

Budgeting tools

  • Money Meter
    Keeping track of your money has never been easier. With Money Meter, you can monitor your cash flow, track your spending, set up monthly budgets and more - that way you stay on track for groceries, gas, bills and other expenses.
  • SnapShot
    Master your financial universe by setting up reserves to help you achieve your financial goals. Simply tell this convenient mobile app feature exactly how much you'd like to set aside and it will do the math for you. It will also give you a more accurate view of your money by delivering a personal financial snapshot.

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 Workplace app.
  • Privacy
    BankMobile understands 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
Personal Loans

Whether employees are looking to consolidate debt, get married, fund a large purchase or pay off unexpected expenses, a BankMobile Personal Loan can help get them where they want to be.

Credit Products

Introducing the BankMobile Credit Mastercard®. Get the credit you deserve, the perks you want and the security you expect. See if you prequalify without affecting your credit score.

Student Refinancing

Refinancing student loans doesn’t have to be complicated for employees, that's why BankMobile has partnered with LendKey to provide hassle-free student refinancing.

All loan and credit products are subject to underwriting guidelines and credit approval. Products may not be offered in every state.

Credit & Loans

Find Out More
Take the first step to saving smarter with the higher-yield Ascent CD Account.

As a division of Customers Bank, BankMobile is excited to offer you Customers Bank's Ascent CD Account. This 15-month term CD account offers a top-tier rate and is FDIC-insured with competitive APY balances of $25,000 or more.

You’re just a click away from growing your money faster.and start earning.

Certificates of Deposit

Find Out More
The team at Customers Bank is ready to guide you through the sometimes difficult and confusing process of choosing & getting the loan to meet your specific needs. With pre-qualification and competitive rates and local decision making, we are here to help.
Mortgages and Home Equity

We offer a full range of mortgage options including:
• Prequalifying for a loan
• Purchasing a home
• Refinancing
• Home improvements

Credit products are subject to underwriting guidelines and credit approval. Customers Bank is currently accepting mortgage applications for the following states: PA, NY, NJ, CT, DE, MA, RI, VA and DC.

Home Lending

Find Out More

Frequently Asked Questions

Our Accounts - Workplace Banking

BankMobile offers employees who are employed by participating employers the Workplace Checking and Savings accounts. Users can access these unique accounts via their employers’ HR portals. You can also visit workplace.bankmobile.com to learn more.

In order to be eligible for our Workplace Savings account you must have a Workplace Checking account.

Managing My Profile - Workplace Checking Account

How do I qualify for interest on my Workplace Checking Account?

If you make $300.00 or more in qualifying deposits per statement cycle then you will be eligible for interest, otherwise you will earn no interest.

Qualifying deposits include direct deposit, transfers from external bank accounts, check deposits, point-of-sale deposits and cash deposits such as those made via Green Dot® Reload @ the Register™. Interest earned on your account, promotional credits such as cash back rewards, internal account transfers, fee waivers, fee credits, returned items or dispute credits are not eligible toward the $300.00 in total deposits.

What is the interest rate on the Workplace Checking Account?

An interest rate of 1.00% will be paid for average daily balances up to $15,000.99 with an Annual Percentage Yield (APY) of 1.00%; average daily balances greater than $15,000.99 will earn a 0.01% interest rate only for that portion of the average daily balance that is greater than $15,000.99. The annual percentage yield for this tier will range from 1.00% to 0.76% depending on the balance in the account (calculation based on a $20,000.00 average daily balance).

Can the interest rate change?

Yes. 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.

How is the interest rate calculated?

We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest on your account will be compounded and credited on a monthly basis. At the end of your statement cycle date, we will determine the qualifying posted transactions and we will use the average ledger balance for the statement cycle to calculate the interest on your account. If your account is closed before interest is credited, any accrued interest will not be paid. Mobile deposits are subject to verification and not available for immediate withdrawal.

What happens if my account is closed prior to the end of a statement cycle?

If your account is closed before interest is credited, any accrued interest will not be paid. View your Workplace Checking Account Fee Schedule and Terms and Conditions for information on interest.

Guide To Fees - Workplace Checking Account

Green Dot® Reload @ the RegisterTM

Ask the cashier to add cash directly to your card at participating retailers. A retail service fee of $4.95 or less is charged per deposit by the corresponding retailer. This fee is paid at the register.  You can add any amount from $20 to $500 per day as long as card limits are not exceeded. Keep your receipt.

Please see the Workplace Checking Account Fee Schedule and Funds Availability Policy Disclosure for details.

What is the replacement card fee?

The replacement card fee for your Workplace Checking Account Debit Card is $15.00.
For more information about fees associated with your account, please refer to the Workplace Checking Account Fee Schedule.

To avoid the replacement card fee, please be sure to keep your card in a safe place to protect against loss or theft.

You can report your card lost/stolen without ordering a replacement card. Simply:

1. Log in to your profile.
2. Select 'Card Status' from the 'User Profile' tab.
3. Uncheck the box next to 'Re-Order Card'.
4. Click 'Report Lost'.

Ordering a replacement card online is a snap! Here's how:

1. Log in to your profile.
2. Verify that your address is correct by clicking on 'Address & Phone' under the 'User Profile' tab. Cards can only be mailed to the primary address listed on your profile.
3. In the same tab, click on 'Card Status'.
4. If you are canceling a card and re-ordering a new one, please report your card lost.
5. If your card has already been canceled, follow the prompts to order a new card.

What is the fee for sending or receiving wires?

An outgoing wire transfer to another US bank is assessed a fixed fee of $25.00 in return for convenience and speed. Please refer to the Workplace Checking Account Fee Schedule for details.

BankMobile does not charge you to receive an incoming domestic or international wire transfer from any US bank or from international banks.

However, banks that process international wires may charge fees while the wire transfer is in transit. These international banks take the fee amount from the original amount of the wire and thus reduce the amount sent to (or received by) you.

How can I avoid ATM cash withdrawal fees?

As an account holder you have fee-free access to over 55,000 Allpoint® ATMs and Customers Bank ATMs.

Find an Allpoint ATM here.

Find a Customers Bank ATM here.

If you use a non-Allpoint Network ATM or non-Customers Bank ATM, we will charge you a $3.00 out-of-network fee, and you may be charged a fee by the ATM owner even if you do not complete a withdrawal. See Fee Schedule for details.

To avoid ATM fees make sure you use fee-free Allpoint or Customers Bank ATMs.

ATM availability varies by location. Find an Allpoint Network or Customers Bank ATM.

Is there a fee for ordering personal checks or official checks?

As part of your account, you have the option to receive 3 starter checks. Login to your BankMobile account and under “Withdrawals & Payments” click “Write Checks” to get started.

If you have already ordered your 3 complimentary starter checks you can order additional checks using a third party servicer of your choice (e.g. Walmart, Deluxe, etc). For more information on how to order starter checks or an official check, please refer to FAQ 2748.

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