GO2bank Reviews
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About GO2bank
GO2bank is an online and mobile banking solution. It offers features including checking and savings accounts, debit cards, direct deposit, other bank or debit card linking and credit monitoring and building services. Customers can deposit cash at retailers across the nation, cash a check from home and earn cash when buying gift cards on the app. There’s no fee to withdraw money from in-network ATMs.
- No monthly fees
- Overdraft protection up to $200
- Early access to direct deposit funds
- Savings account with 1% APY
- Direct deposit required for benefits
- Fees for cash deposits
What is GO2bank?
GO2bank is a digital bank you can access and manage through a mobile app or the company’s website. Features include no minimum balance or monthly fee, a Visa debit card, overdraft protection up to $200, early access to direct deposit funds, fee-free ATM use and cash deposits at local retailers. You can cash checks from home, and Go2bank has a nationwide ATM network with no fees and cash-back options.
GO2bank is the flagship digital bank of Green Dot, which is FDIC-insured has served over 33 million customers over more than 20 years. Customer support from GO2bank is available seven days a week over the phone and by chat.
How does GO2bank work?
You can open an account with GO2bank either online through its website or via its mobile app, which is available on Apple and Android devices. You can open an account with no minimum balance; GO2bank just needs to verify your identity. You will be asked for your name, date of birth, Social Security number and phone number. Supporting documents may be required.
After opening an account, you’ll receive a debit card in seven to 10 days. You can use the card anywhere Visa debit is accepted in the U.S. With GO2bank, you can also:
- Set up direct deposit and access funds up to two days early
- Cash a check remotely using the app
- Deposit cash at a participating retailer, including CVS and Walgreens
- Withdraw money from in-network ATMs with no fee
- Opt in for overdraft protection up to $200
- Transfer money from a linked debit card or bank account
- Apply for a secured Visa credit card and build credit
- Store money in up to five “vaults” and earn 1% annual percentage yield (APY)
- Get free access to your Experian credit report, FICO Score and ID theft protection by enrolling in Experian Credit Care Advantage
GO2bank services
GO2bank provides mobile banking services with no monthly fee as long as you've received funds via direct deposit in the previous statement period. The main services Go2bank offers:
- Primary deposit account: Linked to a chip-enabled Visa debit card with no required minimum balance
- Account management: Remote cash checking, fee-free ATM withdrawals, money transfers from debit cards and bank accounts and cash deposits at retailers
- Overdraft protection: Gives you up to 24 hours to bring your account positive; up to $200 of protection (depending on direct deposits)
- Early direct deposit pay: Access to funds up to two days early (up to four days early for government benefits)
- Cash back: Up to 7% cash back when you purchase an electronic gift card in the GO2bank app
- High-yield savings account: Has a 1% APY, paid quarterly, on up to $5,000 balance
- Secured credit card: No credit check or annual fee; monthly credit bureau reporting to help you build or repair credit
- Fraud alerts: Account monitoring with text messages alerting you of suspicious activity
- Experian Credit Care Advantage: Quick score increases with Experian Boost, free access to credit report and credit score, credit file locking and ID theft monitoring
GO2bank fees
There is no monthly fee with a GO2bank account as long as you receive direct deposits. If you don’t receive direct deposits, there is a $5 fee per month.
| Fee type | Amount |
|---|---|
| Out-of-network ATM withdrawal | $3 (50 cents for balance inquiry) |
| Cash deposit | Up to $4.95 |
| Check cashing in app with expedited funds | 1% or 5% of check amount |
| Money transfer from linked debit card | 3% of transfer amount |
| Teller cash withdrawal | $3 |
| Foreign transaction fee | 3% of transaction amount |
| Expedited delivery of replacement debit or credit card | $24.95 |
GO2bank FAQs
Is GO2bank a real bank?
Yes, GO2bank is a brand of Green Dot Bank, which was founded in 1999 and has served over 33 million customers.
Is GO2bank FDIC-insured?
Yes, funds in a GO2bank account are FDIC-insured up to $250,000.
What services does GO2bank offer?
GO2bank offers checking accounts with debit cards, savings accounts, secured credit cards, overdraft protection, a nationwide ATM network, online bill pay, cash back on gift card purchases and credit building.
Is GO2bank a prepaid card?
No, a GO2bank Visa debit card is linked to your primary deposit account. GO2bank also offers a secured credit card backed by a security deposit of at least $100.
Still have questions?
Is GO2bank legit?
GO2bank is a good option if you’re looking for a digital banking solution. Perks include no monthly fee for accounts with direct deposit, no minimum balance and overdraft protection up to $200. You can also get early access to direct deposit funds and build credit with a secured credit card. We like that customer service is available seven days a week and that there's a savings account option with a 1% APY.
GO2bank Reviews
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Reviewed July 8, 2026
I do not recommend this bank, if you want your check 2 days early, it is 5:30 on a Wednesday, when I usually get my check at 3:20 from my previous bank. When I come over to this bank, I don't get my check 2 days early, like they claimed this Bank is a joke and it sucks.
Reviewed July 5, 2026
This is one of worst experience I have ever came across in my 35 years of living in USA for a banking company. The mobile app as well as the websites demands your SS#, DOB, full address, etc. & yet none of the 4 GO2bank debit cards which I bought from CVS Pharmacy & loaded them for a total of $1980 & paid $11.80 fees & The receipt as well as the package shows ready to use and activated. But when trying to use the card, it ask to download the app. Once the app is downloaded, you can activate only 1 card. Then comes the next surprise, each card needs a different email, then w/o having a pin set up you cannot activate the card. Now comes the biggest of all, until you get a chip card mailed to you, one cannot use the ATM for withdrawals.
The best part of it is that once you get an error activating your card, you have to wait for 1-2 hrs to try activating again. I have waited for 5 days & called their help desk and customer service almost 10 times & they make me do the same procedure repeatedly, in spite of me letting them know that if I do it, it shall again show an error message & ask me to try back later. The customer service agents are located all over in Asia call center & I have to repeat the entire story again with each of them whom the call is transferred, it has become so frustrating that I call CVS Customer Relations & they escaped by stating to call Green Dot at 1-866-652-4611, ext #** to get a resolution for the same.
One cannot a refund on these debit card if it loaded. My 4 cards loaded with $1980, the package says "no monthly fees, free ATM network, & Ready to use." All of them are false advertisements printed on the card. Once cannot use the card unless it is replaced with a chip card for any banking transfers. The card could solely be used for retail purchases & not for any banking activity. Why would the FDIC back a card which is asking for the personal information details like SS#, DOB & ADDRESS for verification.
How can one be assured that the information is secured on a mobile app or website of GO2BANK cards is the question to be asked to Consumer Bureau of Affairs as well as the FDIC. It is printed on back of the card "Member FDIC pursuant to a license for VISA, USA." It ridiculous that the FDIC gives an authentication for the customers prior to examining the details and procedure of the legality & harassment and challenges a consumer has to face when purchasing a card & how his finances are in jeopardy once card is purchased and loaded at a well known Pharmacy retail outlet CVS.
I would request the Consumer affairs, The Federal Trade commission as well as the FDIC to investigate in this card which is promoted by Green Dot to save future buyers of this card what I have gone thru and still going thru to get a refund of my 4 GO2bank cards purchased as of 06/30/26 & yet could not activate the cards on the mobile app as well as the website.
It has been a nightmare for me for past 5 days on the 250th birthday of our great country which I was not able to celebrate nor could give a gift to my daughter due to my finances stuck on these 4 cards purchased, loaded with $500 each and could not activate nor could make use of it. It so ridiculous that an advance country like our still allow this scrupulous companies to promote a banking app & dupe the customers for 21 days to get their money back with a website & mobile app not working efficiently & w/o any security of authentication of demanding & gathering personal & private information for identity theft.
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Reviewed June 28, 2026
It's a great Bank and it has 4.1 percent APR for the savings account.
Reviewed June 24, 2026
This is the worst banking experience I’ve ever had. They create fraudulent transactions on your account so they have to replace your card…. Then make it impossible for you to access your own damn money!! My bills are past due… card takes forever… and everything you can think to do goes against their policy. Customer service is horrible and they never solve anything. I hate that I ever gave them my business. Then if you wanna close your account you have to wait 3 weeks for a check!
Reviewed June 23, 2026
Yes very nice, appreciate this opportunity to have this car.
Reviewed May 31, 2026
This is the worst bank ever. Do not trust them. Customer service sucks. They do not help you. I close my account May 18 and I have transaction and my account that they say that was not even me. They will not even dispute the transaction. I am currently -$281 in the account which I’ve never made and when I called customer service, the guy was worrying about my frustration and telling me to calm down or he won’t be able to help me. I had me on speaker on an intercom or something, and when I asked for the higher manager, another person came on the phone a scam artist was telling me that it was made by me. Don’t ever bank with these people. They are a scammer, the worst person to trust with your information and they could take the $281 and stuff suck it up they **.
Reviewed May 15, 2026
Don't ever use this bank!! I went back and forth with these people about getting money off my card to put it in another account and they kept telling me over and over that my expire date did not match what The card I was putting in. WHAT?? Then that is their mistake to fix. For 4 days I tried to get my money and finally I just closed the account and they send you a code to go pick it up at Walmart! That's about the dumbest thing I have ever heard of. They wouldn't let me move some money out but then they send it to Walmart for you to pick up! Ridiculous. They could have just fixed the date they had wrong! Whatever. Glad it's over!!
Reviewed April 17, 2026
I had a Go2bank account for years getting direct deposit for my father's social security check because I was his power of attorney and designated representative through the social security office. Well he died last year and go 2 bank locked up my account stating that they got a notice that my dad passed. I let them know that he did pass away. They have my money locked in the account. They said that they needed a letter stating that I wasn't deceased since the account was in my name and the social security office gave me a letter stating that and I sent it to their corporate office for review.
They said the account can't be opened back up, but they have yet to send my money to me via check. They said they would even send it back to the social security office, but they haven't even did that. I have approval from the social security office that the funds belong to me and social security said that once funds are sent out they don't recoup them. So why won't they send me my money to me? If anyone knows who I can contact about this matter please let me know?
Reviewed March 29, 2026
Used my go-to bank debit card to purchase items at Merchant. The Merchant immediately canceled the transaction due to an error that occurred on the merchant's end. The money was put on hold out of my account and shown as pending. Called The Merchant and was told that in their system it shows the transaction was canceled and they received no money. Contacted GO2bank customer support and was told that the refund takes time and told me that they could not release the hold on a pending charge. However immediately following the next day used my go-to debit card to make a purchase at a different Merchant and it posted to my account and was not showing as pending.
If you make a purchase at a merchants for any amount that amount is released and no longer pending within one day. Yet a refund to the card or a canceled transaction by the merchant that was done immediately after the transaction occurred by the merchant and was told that it took 10 days for it to no longer show as pending but show as credit did back to my account.
Customer service was extremely poor and very rude and there's no reason why they have to hold the funds for that long to process a refund but yet a purchase legitimately without any disputes or canceled transactions immediately after the purchase is made takes only one day to post from pending to the account. Couldn't get anywhere with these people. As soon as my refund comes in I am canceling this account, closing it out and I will never use this Bank ever again. It is the worst online banking app I have ever experienced out of all of the others that I have tried. Do not recommend opening an account with this app. I will stick with Chime, Cash App, etc., etc.
Reviewed March 20, 2026
I received GO2bank card for income tax refund. I activated the card and have been trying to talk to someone for an hour. When I check the card balance it stated there was no funds available. I chose this option for my refund and I'm disappointed that I could not speak to anyone or assess the account online.
GO2bank Company Information
- Company Name:
- GO2bank
- Website:
- www.go2bank.com