Bank Mobile Refund Choice Card FAQs

What do I need to know about/do for the refund process?

UMB HAS PARTNERED WITH BANKMOBILE TO DELIVER YOUR FINANCIAL AID REFUND. This enables UMB to provide student refunds via ACH (Automatic Clearing House) wire transfer to an outside bank, or the BankMobile Vibe Account. All UMB refunds are processed through BankMobile.

A BankMobile refund selection kit is sent to every UMB student after course registration by BankMobile to the address on file located in SURFS.

The BankMobile refund selection kit may look like an unsolicited credit card offer — PLEASE DO NOT DISCARD IT. 

To receive ANY refund, you must TAKE ACTION once you have your BankMobile refund selection kit.

To make this process easier, BankMobile has a detailed web page with information about the BankMobile Disbursement program through the following link:

Have questions about your refund? You can get quick answers through the online FAQ database at Click on the FAQ icon in the top right corner.


I have a refund due but I have not received the BankMobile refund selection kit. What do I do?

You can check the status of your refund selection kit online at or by calling BankMobile Customer Service at 1-877-327-9515. To order a replacement personal code, contact Student Accounting at or 410 706-8357.


• Visit the BankMobile Disbursement Homepage

• Click “Need a Personal Code” link. Enter your last name along with your student ID # beginning with the @ symbol (@000xxxxx) and click “Continue."  Then enter the last four digits of your student ID number along with your birth date in MM/DD/YYYY format, click “Show Card Status”. Your card mailing status will be displayed. 


BankMobile’s Customer Service number is 1-877-327-9515.  Representatives are available between 8 a.m. and 8 p.m. EST (Monday to Friday)

If you have not received your BankMobile refund selection kit within 5-7 business days of registration, it is likely that you will have to request that a replacement personal code be emailed to you. Before making a request for a replacement code, please check the accuracy of the mailing address that was provided to BankMobile and update it in SURFS if necessary. To request a replacement personal code, please contact Student Accounting at or 410-706-8357.   

I received my BankMobile refund selection kit but misplaced it/threw it out before using it to select a refund preference. Now I have a refund coming to me; what do I need to do?

You will have to order a replacement personal code. Before making a request for a replacement, please check the accuracy of the mailing address that was provided to BankMobile and update it in SURFS if necessary. To request a replacement, please contact Student Accounting at or 410-706-8357.   

Who do I speak with regarding my Financial Aid refund?

If you can see in SURFS that you have a refund and you have not been notified that it is available by BankMobile, contact Student Accounting at or 410-706-8357. Please remember that the refund process takes 7-10 business days to complete.

If you have questions about the amount of your refund, you should contact the Office of Financial Assistance and Education at or 410-706-7347.

My refund has been requested in my SURFS account; when will it actually become available to me?

Title IV federal regulation requires that loan refunds be received by the student within 14 days. UMB strives to have this time shortened to 7-10 days. The refund file (list of all students expecting refunds) is generated and sent to BankMobile. The refunds will be disbursed to students when BankMobile receives the wire transfer from the Maryland Office of the Treasurer. This is typically four business days after the file is generated.   

The refund preference you selected will determine when your funds are available. If you selected to have the funds routed to an outside bank account via ACH wire transfer, the funds will be available in 1-2 business days after BankMobile receives the wire transfer from the state. If you selected to open the BankMobile Vibe account and use the BankMobile Vibe debit card, the funds will be available the same day that BankMobile receives the wire transfer from the state.  

For this reason, BankMobile advises refund recipients to rely heavily on the email notification that is automatically sent out to the student when the refund is disbursed. Please keep in mind that BankMobile does not recognize any refunds until the entire process above is completed. Therefore, if you call BankMobile customer service before they receive the wire transfer from the state, they will not see a refund in process for you but it doesn’t mean that there is not one. 

You also can stay informed about the status of your refund by signing up for Mobile Alerts. With Mobile Alerts, you can personalize your preferences by opting to receive "Refund Status Alerts." If your mobile phone accepts text messages, changes to your refund status and preference will be automatically sent to the mobile phone number listed on your profile.