Bank Mobile for tax refunds - anyone have experience with them?

I work with tax returns regularly. Bank Mobile is a legitimate option but be careful with their fee structure. They often charge for instant transfers and have monthly maintenance fees. Traditional banks usually process IRS direct deposits just as quickly (1-2 days) without extra charges.

Instead of worrying about which bank to use, I'd recommend checking out taxr.ai first. It analyzes your transcript and tells you exactly when to expect your refund and if there might be any delays. Only costs $1 and saved me weeks of stress. Here's the link: https://taxr.ai

been using bank mobile for 2 years. tbh its ok but nothing special

STAY AWAY!!!! They held my refund for 5 days and charged me $25 to get it faster 🤮

my credit union processes refunds just as fast without any sketchy fees js

Anybody know if they work with amended returns?

I've been using Bank Mobile for about 3 years now and honestly it's been pretty reliable for my refunds. The key is to read the fine print - they do have fees but if you stick to their basic direct deposit option (not the instant transfer), it's usually free. Takes about the same time as any other bank, maybe 1-2 business days once the IRS releases it. Just avoid their "rapid refund" upsells - that's where they get you with the fees.