GO2bank Reviews

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Edited by: Jordan Potenza

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.

Pros
  • No monthly fees
  • Overdraft protection up to $200
  • Early access to direct deposit funds
  • Savings account with 1% APY
Cons
  • 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 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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GO2bank Reviews

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    Page 1 Reviews 0 - 10
    Sales & MarketingOnline & AppMaintenance

    Reviewed Oct. 24, 2025

    I have had problems since I first got this bank with the app and cashing my checks, That's the only problem and they haven't done anything about it. I have told me concerns on the app but nothing. My hubby has no issues with the app. I just wish they would try to fix this problem.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Oct. 21, 2025

    My opinion of them was ok at first, it has dropped drastically in a short period of time. Close to 500$ is missing from account. The party my account says it went to, says they do not have it but my account shows that's where it went. Several hangup calls have happened over this. Go2 will not listen and only say, "We are so sorry for inconvenience."

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      Customer ServicePunctuality & SpeedStaff

      Reviewed Oct. 8, 2025

      Worst customer service I've ever experienced in 43 years. BEWARE! These CSRs are overseas and they have no issue with telling you that you're a "white piece of shit" so they openly practice racist rhetoric. I called four times just to change a phone number that's it and the ignorant customer service reps (2- 1 male,1 female) aren't intelligent enough to change a phone number after verifying my personal information. No instead what they're going to do is they're going to transfer you to a alleged supervisor who is going to pick up the phone and mute the call and let it sit there in silence listening to whatever you're doing on the phone waiting for them until they get tired of waiting and they're just going to hang up on you. It doesn't matter how many times you call, how nice you are, how Stern you are, they're just going to hang up after about 15 minutes of waiting for speaking to supervisor.

      And on top of that the racial slurs are just a cherry on top. I called tonight October 7th 2025 and the male who I spoke to last two times thought that it was necessary to call me ** piece of s*** and talk over the top of me when I told him I did not want to wait on hold again when I had waited on hold three times prior for 15 minutes apiece. They just open a can of worms that don't wish that they never did coz I will be contacting the ACLU and a Better Business Bureau as well every other avenue that I can possibly take to at least clean house and hire some new people that know what customer service and it's definition are because these people are the worst I've ever dealt with in my 43 years on this planet.

      If you're smart you are not going to let these people handle your money. It's just a prepaid account that you can get with dozens of other reliable, reputable Banks and or digital financial services online that have a clue how to change 10 digits. Bancorp and Green Dot should be ashamed of the people they have representing their brands especially this Go2bank and its group of bigots and racists who assume all ** people are pieces of s***. I'm going to take this as far as I need to so that I get some action and people replaced and held accountable for the racism and blatant disrespect. Avoid GO2BANK. You will be glad you did trust me.

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      StaffTransparency

      Reviewed Oct. 2, 2025

      This "bank" does not permit transfers to other banks. Regardless of the balance in your account, access is limited to $3,000 per month, and spending is capped at $10,000 monthly. Wire transfers are not available. Should you try to close your account, the sole option is to receive a check within 2-3 weeks. It is advisable to steer clear of this company at all costs. They are not a bank; they are engaging in deceptive practices.

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      Customer ServiceStaff

      Reviewed Sept. 18, 2025

      Please I'm yelling to not use this bank. It's called "We are cons." GO2YUCK Bank. They stole $166 then $500 from my account. They lie and Better Business Bureau is shutting this company down. They will be no more so please don't use them.

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      Customer Service

      Reviewed Sept. 8, 2025

      Go2 Bank are thieves. I bought a visa card. I added the money at the store. I went home and tried to activate it and could not. I called customer service and all you get are disrespectful men from India. They were rude and hung up when they were questioned. Then someone told me I was scammed and they refused to help recover any money. DO NOT use this bank as you will lose whatever you have. Customer service is all in India and they talk down you as well as accuse you of doing something wrong. So disgusted and out money. They steal people's hard earned money.

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      Punctuality & Speed

      Reviewed Sept. 4, 2025

      Hi my name Veronica **. If you don't have and Go2 Bank Account you better get one. I love you get my paycheck every other week and it comes on time and at the same time. Go check the website out now.

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      Customer Service

      Reviewed Aug. 16, 2025

      I STRONGLY SUGGEST THAT YOU DO NOT USE THIS CARD!! YOU HAVE BEEN WARNED!! I guarantee you you will never ever win a dispute, you will be hung up on. You will be treated horribly and it's just beyond all the bad words I could ever use.

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      Customer Service

      Reviewed Aug. 9, 2025

      This bank on a scale 1 to 10 and ten being the worst. This bank would score a 15 because I believe there's nothing worse from the lying worthless customer service to the laziest managers. I'm surprised this establishment is able to stay open. Actually no I'm not surprised because are steady stealing people's money or holding it hostage. So don't bank at GO2. Go 2 somewhere else to bank.

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      Customer ServiceSales & Marketing

      Reviewed Aug. 1, 2025

      GO2bank gave a debit card to a scammer with a fictitious SS # and email address. They then used that card to hack into my Paypal and withdraw money from my bank account. If they had more security features and had checked the person's social security number with their physical ID this would never had happened. Be careful with this Bank. Their security measures are not very good. Scammers will use this bank to take your money. When I called to complain they got upset and hung up on me just because I could not provide the entire account number of the person scamming me. Paypal only gives the last four digits of the card number.

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      GO2bank Company Information

      Company Name:
      GO2bank
      Website:
      www.go2bank.com