BankMobile vs 1FBUSA Mobile

Smart, digital banking on the move with the BankMobile app. Download the app today and: • Earn cash back Offers! Earn cash back¹ on purchases from merchants at over 40,000 online locations and over 12,000 local locations • Quickly link external accounts with Plaid • Get paid up to 2 days early with direct deposit² • Send and receive money with other BankMobile customers instantly with no fee via MobilePay • Quickly lock your debit card if you misplace it • Add your card to Apple Wallet® • Stay in the know on your account activity with alerts • Check your balance, view recent transactions, and transfer money to and from external accounts • Make your money work for you by taking advantage of our interest-bearing accounts • Deposit your checks in a flash with mobile check deposit • Locate the nearest fee-free Allpoint® ATM³ to withdraw cash • Set up one-time or recurring payments to pay your bills 1 See Cash Back Terms and Conditions for further details. Merchants listed in the Offers sections are in no way affiliated with BM Technologies, Inc., nor are they considered sponsors or co-sponsors of the program. All trademarks are the property of their respective owners. Earned cash back will be credited to your BankMobile checking account within ninety (90) calendar days from the time the qualifying transaction has been posted to your BankMobile checking account. 2 Funds from payroll-related direct deposits may be made available up to two days early. Early access to payroll deposits applies to the direct deposit of funds from your employer. Employer direct deposits vary and, as a result, it is not possible to guarantee early access to your pay. Factors that will affect this include the sender’s deposit description used and the timing of their submission of deposit. In order to provide this service, we generally post such details on the same business day we receive the notice that the deposit is scheduled, which may be up to two (2) business days earlier than the payer’s scheduled payment date. In general, benefit checks (direct deposit or otherwise) from the federal or state government will not be eligible for early access based on the parameters we use. As an example, benefits that generally would not receive early access include but are not limited to unemployment, retirement, pension, civil service, railroad retirement and veteran’s payments. 3 Allpoint® ATM location, availability, and hours of operations may vary by merchant and is subject to change. © 2026 BM Technologies, Inc., a wholly owned subsidiary of First Carolina Bank, Member FDIC and Equal Housing Lender. BankMobile banking products and banking services are provided by First Carolina Bank. All Rights Reserved. The BankMobile Debit Mastercard® card is issued and administered by First Carolina Bank pursuant to license from Mastercard International Incorporated. The card is administered by First Carolina Bank. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. All other names and logos are owned by their respective owners.

You can manage your accounts 24/7 right from your mobile device. Manage your 1st Financial Bank USA (1FBUSA) account: - Set Up Autopay and make Credit Card Payments automatically each month - Monitor balances and activity on your 1FBUSA Credit Card - Receive in app notifications - Sign In with Secure Code with Multifactor Authentication [MFA] - Sign In with Face ID or Touch ID - Send SecureMail with attachments - Contact Customer Service - Ability to report your Credit Card lost - Let the Bank know your Travel Plans - Update your personal information - Make One Time payments 1FBUSA specializes in providing quality credit card and financial services to college students and college graduates nationwide. Services are available 24/7, with online banking through our website and mobile app. 1FBUSA also provides construction lending to builders, developers, and investors, as well as community banking services in South Dakota.