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Vibe Features - BankMobile VIBE
- Maximum benefits with minimal fees! BankMobile Vibe is a checking account for students with the power to bank anywhere, anytime.
Terms and Conditions – Rental department
Return / Departure:
Departures (PM) and returns (AM) of vehicles are only from Monday to Friday. The time of pick-up and the time of return will be determined when you confirm your reservation with a rental representative. No departure or return will be accepted between 12 p.m. and 1 p.m. No departure or return will be accepted on weekends and holidays.
Full insurance in Canada only included in rates. Upon departure, the customer must leave a security deposit of $ 5,000 on their credit card. The deposit is debited from the card (Visa, Mastercard) and will be refunded if the vehicle is returned to its original condition.
Bedding and kitchen equipment for 4 people included in the rental. $ 25.00 per additional person.
VR St-Cyr reserves the right of substitution for any vehicle similar or of equal class of recreational vehicle.
No refunds for returns before the scheduled date.
Canada only. Insurance is not valid outside of this area. No off-road will be tolerated.
The minimum age is 25 years old. The renter must have a valid national permit and proof of residence.
No vehicle, trailer, or other towing is permitted unless there is an agreement between VR St-Cyr and the tenant. In this case, the tenant must inquire about the laws in force in the province or country of his destination. It is the customer’s responsibility to comply with these laws. VR St-Cyr assumes no responsibility for towing.
It is forbidden to bring animals. Anyone found at fault will be fined $ 500.
It is strictly forbidden to smoke in our vehicles. Anyone found at fault will have costs of $ 1,000.
Photos and floor plans:
Photos and floor plans of rental units are for illustrative purposes only.
No charge before 31 days of your departure date. A fee of $ 500 (amount corresponding to the reservation deposit) will be applied if the cancellation is made within 30 days of the departure of the rental. For cancellation on the day of departure, the full amount of the rental contract will be retained.
You will be billed a fee of $ 1.50 for the validation of your license, plus a fee of $ 22.40 for the blue toilet fluid as well as a fee of $ 29.95 for the decontamination of the vehicle.
Full propane / Full of gasoline:
The rental vehicle comes with a full tank of gasoline, a full tank of propane, and drained black and gray water tanks. It is understood that the tenant must return the vehicle with the full gasoline, the full propane and the tanks emptied. If this is not the case, a fine of $ 50 for each violation will be applied as well as the amount (s) corresponding to the filling of gasoline and propane.
The rental vehicle must be clean when you return from your vacation. The tenant should make sure to leave bedding and towels in the shower. Make sure there are no dirty dishes. The tenant has no responsibility for cleaning the exterior of the vehicle unless said tenant has used the vehicle in an excessive or abusive manner. In the event that the cleanliness conditions are not met, the customer is liable to a fine of $ 250 to $ 500 before taxes depending on the vehicle rented.
Terms of payment:
A deposit of $ 500.00 is requested when booking. The balance, according to the contract, is payable 7 days before the scheduled departure date. Payment options are: cash, direct, Visa, Mastercard, traveller’s check, certified check, bank draft, money order, or bank-to-bank transfer. Payments must be in Canadian currency.
Number of passengers:
Very important, the number of passengers must not exceed the number of seat belts when the vehicle is in motion. It is very important to be strapped in at all times.
Rental rates, terms and conditions are subject to change without notice.
The tenant acknowledges having read the terms and conditions and agrees to respect them without any exception.
FinTech Platform ChangeFi is Crafting a New Banking Blueprint for Black and Brown America
Growing up, B.C. Silver remembers a time when the prevailing financial institutions in his neighborhood were check cashing places. Silver was raised in the Atlanta foster care system and, having grown up a ward of the state, he saw up close how the reliance on these sorts of alternative financial services widened the wage gap that persists between Black and Brown Americans and their white counterparts.
Silver broadened his financial worldview after going away to school and beginning his professional career. He got his start in marketing roles for consumer goods stalwarts like Proctor & Gamble, but it wasn’t until he made a pivot into the financial services space that he felt he’d found his calling.
In early 2017, Silver took on a leading role at the mobile banking solution Green Dot Corporation and it was here that he realized the impact he could have by increasing access to financial services in communities that traditional banks had forgotten. “It’s a completely different animal to work on people’s finances,” says Silver. “The amount of care and support you have to provide for those folks is very intimate and personal.”
His experience at the helm of Green Dot brands like RushCard gave him the confidence to strike out on his own. In 2019 he launched the fintech platform Grind Banking before joining forces with the Change Company and being named president and CEO of ChangeFi in early 2021.
*The following interview has been condensed for length and clarity
In March, you took over as president and CEO of ChangeFi. What was it about ChangeFi and its mission that convinced you that it was the right next step on your path to increasing financial access in communities of color?
Our goal was similar to most fintech companies: to launch a debit card program and then continue to scale and offer different types of product solutions, whether it was getting rid of payday loans or [offering] home loans, etc. That was always the vision.
When I met the Change Company folks, they already had a mortgage business and a lending business, so they were already operating in a space I wanted to explore. They were in the community, and they were already helping the same audience that I was serving. And so, it felt like, from an opportunity standpoint, that we’d be stronger if we walked together in our path versus trying to do it separately. So that’s what drove the level of interest in the partnership.
In 2019, the FDIC found that Black and Latinx households make up about 32% of the U.S. population but comprise 64% of the “unbanked” and 47% “underbanked” communities, respectively. What do these terms mean, and what are the implications of being underbanked as a Black or Brown consumer?
So if you think of the word underbanked, that means you have a debit card or a checking account, but you use secondary financial solutions. So, [that can mean] payday loans, bill pay locations, Western Union, et cetera. Unbanked [refers to] the people entirely outside of the banking system. So [that includes] people using cash with no checking account who [rely on] separate secondary financial solutions.
The ripple effect is, if you’re in the banking system, you have an opportunity to develop credit, you have an opportunity to secure a credit card, and you also don’t pay any additional fees [to access your money] like you would at a check-cashing place. If you have influxes in your cash flow, you can use a credit card, and you aren’t getting charged 450% interest the way you would if you were taking out a payday loan. And [those fees make] a world of difference when you think about someone living paycheck to paycheck.
If not for lack of awareness, what’s causing this underbanked community to shy away from traditional banking services, even if it means facing higher interest rates and predatory lending cycles?
I think it’s a series of unfortunate events that push people out of the financial banking environment. They’ve been forced to leave because the system wasn’t built for them. The number one barrier between the underbanked or unbanked is a lack of trust. And in fairness to our community, if you’ve been mistreated [by traditional banks] for 40, 50, 60 years, it’s no wonder why people don’t trust banks. And in many cases, these folks live in bank deserts. So, from an accessibility standpoint, those banks aren’t even in their neighborhoods.
Many people would also say, “It doesn’t make sense if you had a banking account that you’re no longer banked.” But those people, I’d say, probably never counted on only having a hundred dollars in their bank account before getting hit by three overdraft fees, and all of a sudden, they’re in the negative. We don’t play that game. That’s why we don’t have any hidden fees, no monthly fees, and no minimums. That’s a part of giving people the playbook on how to succeed and grow financially.
So what does an overhaul of the banking system look like, and how does ChangeFi fit into that equation?
We want to meet you no matter where you are in your financial journey. So, if you need a debit card, we got you. If you want to improve your credit, we can help with that. If you want to scale to buying a home eventually, we want to help you get there. And so, as you think about our portfolio of products, you’ll see we have financial solutions that help support you at every step.
Also, a key place that I want to improve is in the payday loan space. So, if we can eradicate the cycle of payday loans in our community, that would set off a ripple effect in how our community thinks about getting support from financial institutions.
What would you say, if anything, separates ChangeFi from some of your competitors in your team’s approach to addressing the wage gap?
One, a best-in-class product, including a fully functioning mobile app. You can move money in and out. You can do a P2P (person to person) transfer. It works in Apple wallet. You can get a direct deposit and get paid up to two days early. You can do all of that stuff that all the other solutions do, and more. On top of that, our fee structure is drastically lower than where the rest of [our competitors] play. So, I would say cost convenience is a differentiator.
I would also say that homeownership is huge for us. We’ve already funded around 50,000 loans worth over $10 billion, so that’s real money [that we’re injecting] in the community. And [this year], we aim to fund another two billion in loans to help support diverse homeownership.
The fact that we have the capital, we have the history and the track record on supporting you in making the ultimate financial purchase – that’s a huge differentiator. Do you want to build a track record with a bank that will say “Thank you” and charge you more fees, or do you want to establish a history with a banking solution that will give you a home loan one day?
You’ve mentioned that Nipsey Hustle’s platform really inspired you while you were laying the foundation for Grind Banking. Before we go, I’d love to hear – what was it about Nipsey’s message that resonated with you the most?
He was just a visionary and a passionate, very well-read, genuine human being. And I think the thing that inspired me most about him is; he represented what we all hope to be. What I mean more specifically is, there was no blueprint laid out for him on how to become an innovator or a catalyst for change.
He grew, he evolved, and he learned more – in many cases, outside of the traditional educational system – and I found it inspiring as a fellow Black man. He really challenged the paradigm of how to invest your money, how to think about your hustle and how to evolve – not just for yourself, but for your community. So, that’s what I hope to continue in the marathon.
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The San Mateo County Community College District (SMCCCD) has partnered with BankMobile Disbursements to deliver your financial aid and scholarship refund. We are committed to providing students with clear choices and offering great customer service.
For more information about BankMobile, visit this link: http://bankmobiledisbursements.com/refundchoices/
BankMobile Customer Care Spanish line -855-398-0243
Students with pending financial aid or scholarship refunds will receive a personal code in the mail via a green envelope or in an email from BankMobile. Students may also request a personal code directly through the BankMobile site. The personal code allows you to sign up for one of two electronic options to deposit your money- either direct deposit to your existing bank account or to a BankMobile VIBE Checking Account.
PLEASE NOTE: If prompted to enter your school name, use San Mateo County Community College District. We are enrolled with BankMobile as a college district not as three separate colleges.
Terms of Agreement
For additional information, view our client contract and profile with BankMobile, a Division of Customers Bank.
BankMobile Launches Vibe Up
New York, NY, Sept. 06, 2018 (GLOBE NEWSWIRE) -- BankMobile, a division of Customers Bank and America’s largest and fastest growing mobile-first bank, today announced the launch of Vibe Up, a full-service, FDIC-insured checking account designed to grow with everyone through college and beyond. In addition to essential banking features, Vibe Up offers customers a chance to earn interest, get rewards for smart moves in and out of the classroom and create a solid financial future with robust money management tools.
“We are thrilled to launch BankMobile Vibe Up, offering the incredible services and benefits of this account to all pre-college, college and graduated students across the country. We believe it is also the best account for anyone looking to save and grow their money,” stated Luvleen Sidhu, Co-Founder, President and Chief Strategy Officer at BankMobile. “At BankMobile, we are focused on being the most financially-empowering, customer-centric bank in the country and are delighted to now have an account that is available to all consumers. During a time when millions of Americans are faced with rising tuition and student loan debt, we are here to help them save money and create a financially-sound future through our innovative banking experience.”
BankMobile Vibe Up’s features include:
- No monthly fee
- No overdraft fee
- 1.00% Annual Percentage Yield (APY)1 on balances up to $15,000
- An optional savings account that offers 1.00% APY2 on balances up to $15,000
- No minimum balance
- Mobile check deposit and online bill pay
- Access to more than 55,000 fee-free Allpoint® ATMs
- Passport, a one-of-a-kind recognition and rewards program
- Free and convenient budgeting tools
- On/off switch to temporarily shut off cards
BankMobile recently announced it has saved college and university students over $100 million* in banking fees since July 2016 versus had they deposited their funds into traditional checking accounts. The bank also provides refund management services to one in every three college students in the country. In June 2018, administrators at the nearly 800 campuses BankMobile partners with conducted required due diligence on BankMobile Vibe and concluded that the account is in the best interest of their students and the fees associated with the account are consistent with or below prevailing market rates. See how BankMobile Vibe and Vibe Up stack up with this interactive comparison tool.
With 1.8 million account holders, BankMobile, a division of Customers Bank, is the largest and fastest growing mobile-first bank in the country. It is also in the top 15 banks in the U.S. in terms of number of consumer checking accounts serviced.
For more information about BankMobile, visit: www.bankmobile.com or watch a video. Learn more about BankMobile Vibe Up, visit: www.bankmobilevibeup.com.
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Established in 2015, BankMobile is a division of Customers Bank and America’s largest and fastest growing mobile-first bank offering checking and savings accounts and personal loans. BankMobile provides an alternative banking experience to the traditional model and is focused on technology, innovation, easy-to-use products and education with the mission of being “customer-obsessed” and creating “customers for life.” The disruptive, multi-partner distribution model, known as “Bank-as-a-Service,” created by the executive team enables BankMobile to acquire customers at higher volumes and substantially lower expense than traditional banks. Its low-cost operating model enables it to provide low-cost banking services to low/middle-income Americans who have been left behind by the high-fee model of “traditional” banks. Today, BankMobile provides its “Bank-as-a-Service” platform to colleges and universities and currently serves nearly two million account-holders at nearly 800 campuses (covering one out of every three students in the U.S.). BankMobile is operating as the digital banking division of Customers Bank, which is a Federal Reserve regulated and FDIC-insured commercial bank. For more information, please visit: www.bankmobile.com.
1 APY is accurate as of 08/01/2018. An interest rate of 1.00% will be paid for average daily balances up to $15,000 with an Annual Percentage Yield (APY) of 1.00%; average daily balances greater than $15,000 will earn a 0.01% interest rate only for that portion of the average daily balance that is greater than $15,000. The annual percentage yield for this tier will range from 1.00% to 0.14% depending on the balance in the account (calculation based on a $115,000 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. In order to qualify for interest, account holders must make $300.00 or more in point-of-sale purchases with their BankMobile Vibe Up Debit Mastercard® per statement cycle (ATM transactions and point-of-sale refunds do not qualify). View our Terms and Conditions for information on how we determine eligibility and interest. View our Fee Schedule for fees associated with the Vibe Up Checking Account.
2 In order to qualify for a BankMobile Savings Account you must have a BankMobile Vibe Up Checking Account. APY is accurate as of 08/01/18. An interest rate of 1.00% will be paid for average daily balances up to $15,000 with an Annual Percentage Yield (APY) of 1.00%; average daily balances greater than $15,000 will earn a 0.01% interest rate only for that portion of the average daily balance that is greater than $15,000. The annual percentage yield for this tier will range from 1.00% to 0.14% depending on the balance in the account (calculation based on a $115,000 average daily balance). Interest rates and APY are variable and may change at any time at our discretion without notice. Fees may reduce earnings. A withdrawal from your account will reduce earnings. Limit six (6) transfers or withdrawals per statement cycle. View our Terms and Conditions for information on how we determine eligibility and interest. View our Fee Schedulefor fees associated with the savings account.
*According to the CFPB (Consumer Financial Protection Bureau), the average annual cost of a traditional checking account is more than $118 per year. The average annual cost of owning a BankMobile Vibe account is less than $34 per year, for an average annual savings of more than $84 per student per year!
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