GO2bank | Online Checking Account (2024)

Based on Green Dot Corp; GO2bank is a division

with eligible direct deposit, otherwise $5 per month^** Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise $5 per month.

No hidden fees

See our simple fees

No minimum balance required

to open an account online^** The GO2bank account comes with a Visa Debit card. If you open an account online, there is no fee or minimum balance requirement. If you open an account by getting a GO2bank debit card in a store, then there is a purchase fee and an initial deposit of $20 - $500 required.

Pay your bills from a single app – even send a check to make a payment!

Find free ATM locations near you^** See app for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.

Lock & unlock your card with a tap for added security^** Previously authorized transactions and deposits/transfers to your account will function with a locked card.

Learn about GO2bank – Watch 1 minute video

Overdraft protection up to $200
with opt-in and eligible direct deposit^** Opt-in required. Account must have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Learn more(Overdraft Protection PDF).

Get your pay up to 2 days early
with direct deposit^** Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your GO2bank account to prevent fraud restrictions on the account.

Transfer money to your GO2bank account

Move money from a linked debit card^** Fees and limits apply to debit card transfers. SeeDeposit Account Agreement (PDF) or bank account^** SeeDeposit Account Agreement (PDF) to GO2bank

Free nationwide ATM network^** See app for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.

Earn up to 7% instant cash back

when you buy eGift Cards from nearly 100 popular merchants in the app^** Activated, chip-enabled debit card required to purchase eGift Cards. Active GO2bank account required to receive eGift Cards. eGift Card merchants subject to change.SeeDeposit Account Agreement (PDF)for details.

Transfer money to your GO2bank account

Move money from a linked debit card^** Fees and limits apply to debit card transfers. SeeDeposit Account Agreement (PDF) or bank account^** SeeDeposit Account Agreement (PDF) to GO2bank

Free nationwide ATM network^** See app for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.

Earn up to 7% instant cash back

when you buy eGift Cards from nearly 100 popular merchants in the app.^** Activated, chip-enabled debit card required to purchase eGift Cards. Active GO2bank account required to receive eGift Cards. eGift Card merchants subject to change.SeeDeposit Account Agreement (PDF)for details.

Earn up to 7% instant cash back

when you buy eGift Cards from nearly 100 popular merchants in the app^** Activated, chip-enabled debit card required to purchase eGift Cards. Active GO2bank account required to receive eGift Cards. eGift Card merchants subject to change.SeeDeposit Account Agreement (PDF)for details.

Earn over 10x the national savings rate average^** Interest paid quarterly on the average daily balance of all savings during the quarter up to a $5,000 average daily balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. APY and interest rate may change before or after you open an account.SeeDeposit Account Agreement (PDF)for terms and conditions.The national deposit rate for savings accounts is used when stating GO2bank savings accounts “Earn well over the national savings rate average”. Visithttps://www.fdic.gov/regulations/resources/rates/to learn more.

Keep the money in your account safe^** Funds are protected from unauthorized transactions on successfully activated cards. Prompt notice is required.

• Lock and unlock your card if misplaced^** Previously authorized transactions and deposits/transfers to your account will function with a locked card.
• Fraud alerts via text message^** Message and data rates may apply.
  
• Chip-enabled card for extra protection

Build or repair your credit with the GO2bank Secured Visa^® Credit Card^** Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.

• No credit check to apply
• No annual fee
• Credit limit starting as low as $100^** Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.
• Payment behavior is reported to 3 credit bureaus

Pick up a GO2bank Visa^® Debit Card at a retail store near you^** The GO2bank account comes with a Visa Debit card. If you open an account online, there is no fee or minimum balance requirement. If you open an account by getting a GO2bank debit card in a store, then there is a purchase fee and an initial deposit of $20 - $500 required.

Pick up a GO2bank Visa^® Debit Card at a retail store near you^** The GO2bank account comes with a Visa Debit card. If you open an account online, there is no fee or minimum balance requirement. If you open an account by getting a GO2bank debit card in a store, then there is a purchase fee and an initial deposit of $20 - $500 required.

Refer a friend, and you both get $50^** In order for both the referred individual and the referring GO2bank accountholder to each qualify for and receive the $50 referral reward, the following conditions must be met: The referred individual may not have previously opened a GO2bank Deposit Account ("Account"); they must open a new Account byJuly, 1, 2024; they must open the new account using the referring GO2bank accountholder's unique referral (share) link directly or as shared through email or social post; and they must receive in the new Account a qualifying direct deposit of $200 or more within 45 days of account opening. The qualifying direct deposit must be made by the referred individual's employer, payroll provider, government benefits, or unemployment benefits payor by Automated Clearing House (ACH) deposit. Bank ACH transfers, debit card transfers, verification or trial deposits from financial institutions, tax refund deposits, mobile check cashing, and cash deposits are not qualifying deposit activities. Referring GO2bank accountholder and referred individual GO2bank accounts must both be in good standing to be eligible for and receive a reward. The reward is paid to each party within 48 hours after qualifying funds are first deposited into the referred individual's new Account. New and referring GO2bank accountholders may earn no more than $1,500 in referral rewards across all Refer a friend campaigns per calendar year (January 1 - December 31). Referred individual acknowledges that payment of the reward will result in the referring GO2bank accountholder's knowledge of the individual's new Account. GO2bank reserves the right to cancel or modify the terms of the referral reward offer or terminate the member's eligibility at any time with or without prior notice. All referral rewards will be reported on form 1099 to the IRS.

Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise $5 per month.

Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 4.50% Annual Percentage Yield (APY) as of October 2023. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.46% is determined by the FDIC as of 10/16/23. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

Product issued by third party bank, who is a Member FDIC.

Activated, chip-enabled debit card required to use Ingo Money check cashing service. Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions and Privacy Policy. Limits apply. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See Deposit Account Agreement (PDF) for details.

Previously authorized transactions and deposits/transfers to your account will function with a locked card.

Message and data rates may apply.

The GO2bank account comes with a Visa Debit card. If you open an account online, there is no fee or minimum balance requirement. If you open an account by getting a GO2bank debit card in a store, then there is a purchase fee and an initial deposit of $20 - $500 required.

Activated, chip-enabled debit card and opt-in required. $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid the fee. We require immediate payment of each overdraft and overdraft fee. Overdrafts paid at our discretion, and we do not guarantee that we will authorize and pay any transaction. Learn more aboutOverdraft Protection (PDF).

See app for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.

Activated, chip-enabled debit card required to purchase eGift Cards. Active GO2bank account required to receive eGift Cards. eGift Card merchants subject to change.SeeDeposit Account Agreement (PDF)for details.

Funds are protected from unauthorized transactions on successfully activated cards. Prompt notice is required.

Direct deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your GO2bank account exactly or we will decline your deposit.

Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.

Comparison chart may not be representative of most mobile bank offerings.

Using the GO2bank app, you can make your GO2bank debit card the preferred method of payment for popular merchants. Service provided by Q2 Software.

Offer not transferrable to other accounts or accountholders. Offer available only for first-time direct depositing customers. To become eligible for free phone, your GO2bank account must be in good standing and your direct deposit of $200 or more must be from payroll, government benefits or unemployment benefits and post to your account between 7/14/21 and 3/15/22. Eligible customers will be sent an email to the address on file with a link to a webpage where you can order your phone. Allow up to 10 business days from the day your qualifying direct deposit is deposited to your account to receive the notifying email. Free phone requires payment of $100 for first two months of service, plus shipping. No annual contract required. Payment requires a valid debit or credit card with verified billing address. Service includes talk, text and data and is subject to terms. State and local taxes/fees may apply. Offer, device and plan are subject to change. Service may not be available in all markets. Rules and other restrictions apply. Void where prohibited or restricted by law. Limited time offer and only valid in the U.S. Available while supplies last. See order page for complete and current offer details. The Android™ robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution license.

In order for both the referred individual and the referring GO2bank accountholder to each qualify for and receive the $50 referral reward, the following conditions must be met: The referred individual may not have previously opened a GO2bank Deposit Account ("Account"); they must open a new Account by July, 1, 2024; they must open the new account using the referring GO2bank accountholder's unique referral (share) link directly or as shared through email or social post; and they must receive in the new Account a qualifying direct deposit of $200 or more within 45 days of account opening. The qualifying direct deposit must be made by the referred individual's employer, payroll provider, government benefits, or unemployment benefits payor by Automated Clearing House (ACH) deposit. Bank ACH transfers, debit card transfers, verification or trial deposits from financial institutions, tax refund deposits, mobile check cashing, and cash deposits are not qualifying deposit activities. Referring GO2bank accountholder and referred individual GO2bank accounts must both be in good standing to be eligible for and receive a reward. The reward is paid to each party within 48 hours after qualifying funds are first deposited into the referred individual's new Account. New and referring GO2bank accountholders may earn no more than $1,500 in referral rewards across all Refer a friend campaigns per calendar year (January 1 - December 31). Referred individual acknowledges that payment of the reward will result in the referring GO2bank accountholder's knowledge of the individual's new Account. GO2bank reserves the right to cancel or modify the terms of the referral reward offer or terminate the member's eligibility at any time with or without prior notice. All referral rewards will be reported on form 1099 to the IRS.