GO2bank Reviews

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Overall Rating1.5 out of 5
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About GO2bank Reviews

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.

Pros & Cons


  • 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

Bottom Line

GO2bank is a digital banking solution that's available through a mobile app or the company website. Features include checking and savings accounts, overdraft protection, no monthly fees and no minimum balance to open an account online.

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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 typeAmount
Out-of-network ATM withdrawal$3 (50 cents for balance inquiry)
Cash depositUp to $4.95
Check cashing in app with expedited funds1% or 5% of check amount
Money transfer from linked debit card3% of transfer amount
Teller cash withdrawal$3
Foreign transaction fee3% 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.

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.

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Page 1 Reviews 0 - 10
Customer Service

Reviewed Sept. 12, 2023

I was suppose to get refunds bank from different places and they said I had to wait till the 9th. Now the 9th is came and gone they are saying something else. The other day I was positive 28 my Uber payments supposed to came in and a refund but when I called my balance was negative 14 which I didn't use my card. I been locked out of my online account cause my email was hacked and I changed my phone number and they wouldn't change it cause they didn't want me to see what they was doing. This places is awful and big thieves.

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Customer ServiceSales & MarketingStaff

Reviewed Sept. 8, 2023

Go2Bank and affiliates (i.e. Green Dot Bank) are out of country fraudulent entities with an address set up in Ohio. They allowed a Social Security check to be deposited to a fraudulent account and are not cooperating for a refund. I have talked with agents, supervisors, corporate representatives, they all sound to be from India. Almost a dozen representatives and 9 hours later, I get different answers and taskings to try to get money back. They now say that SSA has to send them something in writing, and SSA says they don't do that. So I guess I'm out $2600. I filed a police report. The detective claims some online banks are frequently set up for scamming purposes. This appears to be one of them.

Be advised, my calls to customer service have averaged 15-60 minutes just for someone to answer. When calling their only listed number, it's interesting they have an option to "press 2, if you think you've been a victim of ID theft". Also, they do not have email. You can only write or call. Probably to prevent tracing their IP addresses. Don't trust their advertising. FDIC insured...I'm not so sure about that. I highly suggest sticking to a local bank or credit union to handle your money! At least you know they are actually in this country.

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    Reviewed July 14, 2023

    Go2Bank is a thieving organization that aims to lock accounts for no reason in order to hold their money forever. I have filed complaints with the FDIC and Federal Reserve but they won't give me my money back. It's only $700. No explanations just that it is suspicious activity. Avoid this organization at all costs. Use Cashapp or Venmo.

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    Customer ServiceStaff

    Reviewed June 5, 2023

    Go2Bank stole from me.. I had some money refunded and they say they never received it. I have proof they did because the other company sent me proof to my email. Please do not bank with them.. You will be sorry you did. I lost a total of 200 dollars because of these people. They don't care about their customers' feelings and they are just there to steal your money. I called 3 times and each time the representative was no help to me.

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    Reviewed May 9, 2023

    I'M SO READY TO TAKE LEGAL ACTION AGAINST THEM!!!! The rep messed up but I take the Consequence. They won’t let me touch my phones until a new card comes which is 10 business days. And there’s nothing I can do we just wait for the car even though the representative messed it up. I am livid.!!!

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    Reviewed March 28, 2023

    Do not buy gift cards from their in app store. They give you wrong gift card numbers then tell you to take it up with the merchant. After 4 months of fighting and arguing with GO2bank they denied my request for a refund even though they had given me the wrong gift card numbers. This was even verified by the merchant itself.. Go2 Bank refused a three-way call between myself the merchant and how. The customer service is highly unprofessional. They constantly talk over you and I have been hung up on repeatedly. They lie. This is the worst bank I have ever experienced. They straight up stole from me. I reported them to the FTC and the FDIC.

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    Reviewed March 23, 2023

    They suck as a company and they lie a lot. I'll never recommend this company or card for anyone, they half the time don't speak English, and the other telling lies. Find another card! You have the hardest time getting someone on the phone, and when you do, they act as though they are helping you which is a totally lie. I don't need them to respond to this matter, just correct your problems.

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    Reviewed March 11, 2023

    Bank won't dispute my money. They told me have company refund my money. They are not refund my money. Banks dispute money. The bank is fine. Haven't had any issues. They won't dispute. I want my money. I'm tired. Lawyer company stash money. Won't refund money.

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    Reviewed Dec. 12, 2022

    Worst banking experience ever. Last night my card was froze even though I said the charge was not fraud. They told me I would have to wait for 7 to 10 days but could draw money off my account by going to Walmart with a code made through their phone app. I then tried to log in but wouldn't accept my password. I changed it three times and every time I did, despite the fact that I I copied and pasted the same password I had set in the process, the password would be reset. Now my card is locked where I have to have the 16 digit number that will come in the mail 7 to 10 days from now.

    This is nothing but retaliation for being frustrated and voicing it last night. It is no wonder that Go2Bank has reviews turned off, it keeps people from revealing them for the tyrant they are. Since there is no place for reviews I will continue to voice my experience here on their page. Worst customer journey I have ever experienced. My opinion is DO NOT USE THIS BANK. I run my business with that card, in 10 days I'll be out of business.

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    Reviewed Oct. 27, 2022

    Go2bank is the worst! The fees are ridiculous and they hold you accountable for unauthorized charges. They also charge you fees for in network ATM withdrawals. DO NOT USE THIS COMPANY....I PROMISE YOU WILL REGRET IT. DON'T DO IT!

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