Overview of Fees for the Vibe UP Checking Account Overdraft or insufficient funds fees BankMobile does not provide overdraft protection services. You can access all of your funds for free with online bill pay, personal or official checks and. BankMobile Vibe is a checking account for students that rewards you with free Your student ID; A valid government issued-ID; Proof of your physical address fees can be waived, the breadth of ATM access, ATM and overdraft fees, and. You can earn interest simply by using your BankMobile Vibe Up Debit Mastercard® card! At the end of your statement cycle, we will look at your qualifying posted the U.S. All Overdraft Protection Transfer fees from a linked savings account.