Forget what you know about mobile banking. BankMobile is beyond that, and better. A next generation, fee-free banking experience that empowers you to create your best financial life. "America's first no-fee mobile bank. " - Digital Trends"The app's interface is sleek, modern, and stylish. " - Forbes"BankMobile aims to become the Uber of banking" - American Banker-- Products/Programs -- TOTALLY FREE CHECKING ACCOUNT. No fees. Single or joint account. Access to 55, 000 surcharge-free ATMs nationwide. No minimum balance (keep at least $. 01 in your account to keep it active.) HIGH YIELD SAVINGS ACCOUNT. 0.75% APY (that's 75x higher than Bank of America.). Higher savings rate than the top four banks' non-promotional savings rates. PERSONAL LINE OF CREDIT. No annual fees. No late payment fees (but we strongly encourage timely payments to avoid damaging your credit.). Subject to credit approvalBANKMOBILE VIP PROGRAM. Deposit $500 or more of recurring income per monthly statement cycle into your BankMobile checking account. Free access to EVERY ATM nationwide. Free, unlimited BankMobile financial coaching sessions (i. e to discuss how to fix your credit) -- App Features --SECURITY. Best-in-class security, including end-to-end encryption, unique security questions, text validation when using a new device or web browser, and an application PIN to secure your data when you log in. As per Member FDIC insurance standards, money in your BankMobile account is FDIC-insured up to $250, 000 per account title. DASHBOARD. At a glance, see the most important information about your accounts including available balances, secure messages, e-statements, and other account details. ACTIVE REGISTER. See extra details about your transactions with categories and the ability to add tags, notes, and receipt photos. PHOTO BILL PAY. Set up new, recurring or one-off bills with ease by snapping a photo of the bill, verifying the payment information, setting up the payment date--and you're done. MOVE MONEY. A one-stop control panel for money movement, so you can pay your bills and send money to anyone via email or text. THE BIG PICTURE. View a summary of all your interactions with BankMobile, including when you set up bills, make payments, update your profile, or even talk to one of our customer care reps. -- Social --Find us everywhere: @BankMobile-- Obligatory Disclosures --BankMobile, a division of Customers Bank. Member FDIC. The top four banks in the country by deposits are: Wells Fargo, Bank of America, JPMorgan Chase and Citibank.