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.
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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- 4,648,295 reviews on ConsumerAffairs are verified.
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Reviewed April 4, 2025
I purchased a card yesterday at the store and deposited funds. After I activated the card a smaller window popped up containing False information!!! I was trying to make an online payment for my internet and it declined about 3 times. I reached out to GO2bank through chat and after I let her know what was going on. This person kept repeating the same answer every time I sent a reply so a good 8 times [you need to provide the documentation required for access to the account*. I sent them the screenshot of the pop up message I received because I chose not to verify my identity because I don't have an ID on me....both the app and desktop site provided me with the same alert that my account was considered limited featured and this included me having access to view my balances and use the money in the account!!!!
The chat agent clearly was not interested in helping me at all. In fact I am sure she blocked my acct because I advised them I was going to call instead, by the time the agent answered it was already locked and he kept repeating the same thing as the chat agent. I needed to provide documentation in order for me to use my money, he also told me that my transactions were declining because I had the temporary card. I repeated myself to him for a good 15 minutes and he was trying to help or at least it felt like it to me. I felt he had sympathy not empathy! When we purchase temp cards you can use your funds as soon as you activate it. The identity verificatiojn is needed if and when you request your personal card! Again the system itself provided me with the features limited features that were available to me. USE THE MONEY IN MY ACCOUNT MAKE PURCHASES!
So why the hell are their agents locking my account because I decided for one of the 2 available options they provided me with (app, system). Agent also told me I could not make purchases nor withdraw money from my card because since it needed to use a pin and that is only available when they send me my personal card!!! Wth so I have to wait until I receive my personal card!? I SHOULD HAVE BEEN ABLE TO USE THE FREAKING TEMP CARD!
Seriously this company is just horrible and I know the whole "the customer is always right" crap has been misused and abused but in this case I provided the proof I was talking or chatting with a brick wall. I asked to speak with a manager and they told me they were going to tell me the same thing they had already provided me with to upload an id! I DON'T NEED TO ACCORDING TO THEIR SYSTEM. WTH. This is so crazy. No they, made me feel crazy, seriously people we don't need to be dealing with companies like this. Choose another one because Go2bank could give 2 F's about their potential clients!
Reviewed April 1, 2025
Less than one star. The biggest scam bunch of bullspit. I can’t even make this crap up. I have never been subjected to such catastrophic failure. And I am on disability. This service has ruined my life. Don’t. Just don’t. Use anything but this. Please.
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Reviewed March 25, 2025
This particular bank account is absolute trash!!!! Very very frustrating getting locked out of my own account multiple times making call for my balance…. Don’t waste your time! The customer service is actually decent but the function of the app and getting help with issues is almost impossible.
Reviewed Jan. 31, 2025
I won't use this service because customer service does nothing to help you out and ask computer generated security questions that if you don't know the answer they will look your account for wrong answer.
Reviewed Jan. 6, 2025
I wish I could give this company zero stars. I had some fraudulent activity on my card from a merchant TXVRY. 7 charges for $50 and 2 charges for $100, back to back. I don't understand why they didn't find that activity suspect. They are telling me that they denied my dispute. I googled the company and they have scammed several people. I had to obtain a lawyer.
Tanisha
Reviewed Nov. 20, 2024
After six or seven years. First a Green Dot customer then automatically transitioned to Go2bank customer. They finally closed my account. For no reason. I have been on good terms the whole time. I recently asked for help disputing some charges that I ended up getting refunded without go2bank intervention. They have terrible customer support. I have received replacement debit cards in the past which had to be replaced before I actually received them. I know it sounds crazy, but it's real.
They are the worst financial institution that I am aware of. Everything was find up until a few days ago when I received a suspicious message so I called their support phone number and confirmed the message was legitimate. No explanation. Just closed. After more than six years of maintaining a positive balance. I strongly suggest to avoid the hassle altogether.
Reviewed Oct. 18, 2024
I would give this bank zero stars if I could. Scammers love using this bank because it is probably run by scammers. I did not authorize a big purchase from a store I never go to. And to make matters worse, the transaction was made in TEXAS when I live in a state over a thousand miles away. I submitted solid evidence to the dispute team that I did not authorize the charge, and they rejected all my evidence. DO NOT USE THIS BANK because they are difficult to contact, they do not actually stand up for you, and you can't actually add funds when using it at an ATM. They are difficult to contact and will sometimes hang up from their end.
Reviewed Aug. 11, 2024
THIS COMPANY’S DEBIT CARD IS JUST A MONEY GRAB.
2. $2.95 to purchase Go2Bank Card.
3. $20 deposited on to Card at Supermarket during purchase.
4. $9.65 used to purchase store item.
5. $5.35 to purchase store items.
6. Any other purchase is declined. Go2Bank stole the Remainder of $20, which is $5.00.
I lost a total of $11.45 the first two days of having the card. I was going to use it to transfer my paycheck. When I opened a chat and requested the account be closed, they claim I have to call. No one answers the call. They are trying to keep me so they can use my SS# to run scams.
Reviewed Aug. 7, 2024
I used this card for my Social Security check and I can’t get my money. It went to an old Go2Bank card and I no long have that card. I told them to send the funds back to Social Security office but they said they couldn’t. I am without my money for this month so far. I have sent a copy of my ID and proof of address and they always say they didn’t receive it even though I sent the documents three times. This is terrible because I haven’t paid my bills for this month!
Reviewed July 25, 2024
DO NOT USE THIS "BANK". I made a purchase through UberEats which was refunded the same night because the order was wrong. The original transaction of $61.78 sat pending for 10 days, on the tenth day the pending charge disappeared but the money wasn't added back to my balance. On my transaction history, there is no charge for $61.78 from anyone.
I contacted them through the chat option and he said "the charge posted for $61.79" but I can't see ANY transactions for it on my ledger. I told him if you do the math based on my ledger it shows that I'm short the $61.78. He was adamant that it shows as a posted transaction, with no explanation as to why it's not in my history. I sent a screenshot through that chat of my ledger and he disconnected the chat. As far as the "refund" goes, UberEats told me they didn't finalize the transaction and it should have just fallen off and been returned to me. Go2Bank claims the charge went through. Despite the proof I have from UberEats.
GO2bank Company Information
- Company Name:
- GO2bank
- Website:
- www.go2bank.com