GO2bank Reviews

1.2

73 reviews

5
2%
4
0%
3
4%
2
5%
1
89%

Write a review

Are you this business?

4,837,007reviews on ConsumerAffairs are verified

We require contact information to ensure our reviewers are real.
Our moderators read all reviews to verify quality and helpfulness.
We use intelligent software that helps us maintain the integrity of reviews.

Updated Mar. 05, 2026

By: Courtney Hamar

+1 more

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 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.

Shop with confidence

Compare with top companies

GO2bank Company Information

Company Name:: GO2bank
Website:: www.go2bank.com