BankMobile (www.bankmobile.com) has a 2.6 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is poor. Opinions are polarized: 40% rate it 4 stars or higher while 58% give 1 star; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
They locked me out my account because I changed my refund preference. I’m on the phone with them right now and I’ve been on hold for 40mins. I was sent a form to put in some documents. Not going through. Calling them for couple days now, everyday I’m on hold for hours. The customer service reps are barely understandable as well.
Reply from BankMobile2026-06-18
Hello. We have contacted you directly. Please respond at your earliest convenience so we can help you further. I look forward to hearing from you. Thank you, Mike
I
Isiah Drew · 2 reviews · Experienced 2026-06-13 ·
★★★★★
Customer service is absolutely abysmal
Customer service is absolutely abysmal. Every person you speak to, you're forced to verify your information constantly, that's literally the only thing they do right. Service reps just read off a script and ignore your questions. Website and email correspondences feel like a scam because of the constant misspellings and weird domain names that emails come from. Spent 3 days trying to "verify" my account then told that I can't use the same email. Gave them another email and continued to wait for the confirmation email that never came. Turns out they had already send my refund via mailed check 13 days prior and not one person was able to tell me this information from bank mobile; it took me contacting my school. This all started because my account was blocked for security reasons. I get it, but after I've verified and provided all the requested information no progress has been made. It takes roughly 1 hour and 35 minutes to reach anyone. If it wasn't for the iPhone call hold feature, I probably would never reach anyone. And no, I've graduated, I don't care about any resolution at this point so don't contact me.
Edit: as you can see from the response, they just follow the script and completely miss the point where I directly asked to not be contacted. But for the record, they have not contacted me :)
Reply from BankMobile2026-06-18
Hello. We have contacted you directly. Please respond at your earliest convenience so we can help you further. I look forward to hearing from you. Thank you, Mike
The worst customer service line I have ever experienced. They take almost 4 hours to answer and then don't assist you in the way you need to be assisted. I cannot stand this company. They do everything wrong.
Reply from BankMobile2026-06-18
Hello. We have contacted you directly. Please respond at your earliest convenience so we can help you further. I look forward to hearing from you. Thank you, Mike
I’ve been on hold for what’s been an hour, when I simply just want to receive my refund money. When I tried signing up they tried to make me feel crazy saying my birthdate and ID was incorrect then proceeded to suspend my login. Don’t know why my school would work with such a scam.
Reply from BankMobile2026-06-15
Hello. We have contacted you directly. Please respond at your earliest convenience so we can help you further. I look forward to hearing from you. Thank you, Mike
They are absolute trash, I called about a legitimate fraudulent charge on my account, asked if after I bring it to their attention will they note that and unlock my account. They seem to lock my account on a monthly basis, I call tell them I know about the charges or don't they unlock the account, I continue with my life.NOT THIS TIME, they closed my account and said that I have to wait for 5-10 days for the charge to clear and for me to get a new card.
ABSOLUTE NIGHTMARE
IF I COULD GIVE NEGATIVE STARS I WOULD.
Reply from BankMobile2026-06-13
Hello. We have contacted you directly. Please respond at your earliest convenience so we can help you further. I look forward to hearing from you. Thank you, Mike
A
AJ Monroe · 1 review · Experienced 2026-06-11 ·
★★★★★
Mike was very quick to respond and help…
Mike was very quick to respond and help me out with exactly what I needed.
Reply from BankMobile2026-06-13
Thank you for posting. We appreciate it. Mike
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MaTia · 1 review · Experienced 2026-06-09 ·
★★★★★
Absolutely AWFUL!
Absolutely AWFUL!! First of all the company is based in India so you won’t be able to understand anything they say! Secondly I can’t update my refund preference because their representatives kept giving me incorrect information now I’m PERMANENTLY locked out of the account. They won’t even speak with me about my own refund! Why my school would decide to work with them is BEYOND ME!!
Reply from BankMobile2026-06-13
Hello. We have contacted you directly. Please respond at your earliest convenience so we can help you further. I look forward to hearing from you. Thank you, Mike
J
Jennifer Vaden-Rose · 1 review · Experienced 2026-06-11 ·
★★★★★
Bank mobile is by far the worst
Bank mobile is by far the worst. I was on hold yesterday for 4 hours and on hold today for 3 hours. My account was locked because I attempted to change my bank account. I have no idea where my refund is and they can't give me any information. I asked to speak to a supervisor her name is Wela and she was not helpful just like her team. I hope they receive enough complaints that eventually the colleges stop using them as a 3rd party for our refunds.
Reply from BankMobile2026-06-13
Hello. We have contacted you directly. Please respond at your earliest convenience so we can help you further. I look forward to hearing from you. Thank you, Mike
I had a positive experience with BankMobile Disbursements support. I am deaf, and I communicated through text/email, which worked well for me.
Rosa was very helpful and clear in explaining what I needed to do, which made the process much easier to understand. She responded in a respectful and timely way, and I appreciated the support throughout.
Overall, the experience was smooth, and I appreciate the assistance I received. Based on my interaction, I would recommend their service.
Reply from BankMobile2026-06-13
Thank you for posting. We appreciate it. Mike
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Faithful Tim · 4 reviews · Experienced 2026-06-04 ·
★★★★★
The response to my issue was addressed…
The response to my issue was addressed quickly.
Reply from BankMobile2026-06-13
Thank you for posting. We appreciate it. Mike
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Anna Montemayor · 1 review · Experienced 2026-06-02 ·
★★★★★
This interaction on messenger was way…
This interaction on messenger was way faster than I expected. Thanks to Sharon and Rose who replied super fast and helped me with everything I needed. Thank you ladies !
Rosa & Sacha helped me out tremendously! Thank you
Reply from BankMobile2026-06-13
Thank you for posting. We appreciate it. Mike
A
Alexis Taylor · 2 reviews · Experienced 2026-05-31 ·
★★★★★
Boarderline Psychotic Customer Service
Boarderline Psychotic Customer Service
I spent 3 hours on the phone over half that time on hold to get my account unlocked after i had tried to change my deposit account. finally got it unlocked and less than a min later was locked again. when i called back they said that because it happened twice they wont unlock it because fraud. I gave them my id, a photo of me holding the id, a second form of id and me holding that, MY CLASS SHEDULE (creepy they want this), a form which did not like being edited explaining the reason (I requested a fraud review? which i didnt do and i explained to them it wasnt fraud), after all of this their customer reprisentatives refused to say anything but a word for word script and kept ignoring what i was telling them. i told them id file a bbb and they said theyd loop in legal then (seemed to be a threat to me that my account would be closed). was i rude on the phone... sure ... but who can be expected to not be after this insanity.
UPDATE
insanity continues. they removed the second hold but placed the account on hold a third time because I wrote this and to them that is suspicious. for the love of god these people are the worst. I have filed a report with BBB
UPDATE 2
they closed my account and returned the funds to my university stating they closed my account as they could not verify my ID. This is insane, as they already used those same documents to verify me once. the fact that they are saying my Real ID and other documents they requested is a lie and i suspect my account was closed in retaliation for filing a BBB and cfpb report
Reply from BankMobile2026-05-31
Hello. We have contacted you directly. Please respond at your earliest convenience so we can help you further. I look forward to hearing from you. Thank you, Mike
Im expecting grant money. Unfortunately I have to open an account with some random bank when I have a bank account. Bankmobile is a middle man leech. It's hard to navigate their website which I bet was intentional. And I couldn't just sign up for a code. I got extra drama having to contact my school to get a code to open up a bank account im not going to use outside of a single transfer. When everyone else can simply sign up in minutes. I have to call people and watch everything be delayed for me.
Reply from BankMobile2026-05-29
Hello. We have contacted you directly. Please respond at your earliest convenience so we can help you further. I look forward to hearing from you. Thank you, Mike
A
Angelica · 2 reviews · Experienced 2026-05-26 ·
★★★★★
Quick responses and very helpful…
Quick responses and very helpful support when I contacted them on Facebook messenger. Thank you Rosa and Sacha!
Reply from BankMobile2026-05-29
Thank you for posting. We appreciate it. Mike
M
Maria · 1 review · Experienced 2026-05-26 ·
★★★★★
Bank mobile Customer Service
Bank mobile assisted me throughout a long process in gaining access to my account which I had not looked at in years. Mike helped me today! I appreciate their efforts and time!
Everytime you call your placed on hold hours upon hours I’ve been on hold for 4 plus hours and now I’m at 2+ hours find a new company to work with for students - nobody has time for this….
Reply from BankMobile2026-05-29
Hello. We have contacted you directly. Please respond at your earliest convenience so we can help you further. I look forward to hearing from you. Thank you, Mike
I have no idea why my school even chose these people as our refund disbursers. You can’t update NOTHING on your own it all has to be done with a customer service rep that’s take 4 damn hours to get on the phone.. this alone makes you not want to do school because this don’t make anything type of sense
Reply from BankMobile2026-05-29
Hello. We have contacted you directly. Please respond at your earliest convenience so we can help you further. I look forward to hearing from you. Thank you, Mike
Sharon was extremely helpful. She communicated with me consistently and found ways to help me with my refund. She was very intentional and through. She gave many solutions and we tried all until we found the one that worked. She continuously went through the steps together with me, was quick with communication, and quick with the process of helping with my account and communicating back and forth with the team. I recommend anyone talk to Sharon because she is great at what she does.
Reply from BankMobile2026-05-29
Thank you for posting. We appreciate it. Mike
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Daniel Ginger · 1 review · Experienced 2026-05-20 ·
