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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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- 4,592,094 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
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.
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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.
Reviewed June 18, 2024
Another scam, this bank and their credit card called Go2Bank. It's a scam and I do not know why they are allowed to work in the USA. I purchased the CC and they needed social Security # to activate it. I DON'T. I called the number on the card and requested a refund. I was told to provide a photo of the debit card, photo of the purchase and cash loading receipt. I instantly provided this information by email, after 3 times calling their customer service, they gave me another Claim #, told that I would receive a refund by mail within 10 days weeks. Received another email with different claim # that the refund is mailed. Today, I called and they said the refund was processed and should arrived in 10 days. They could not answer me, if the refund was mailed or is in process, and they could not answer the email I received with different claim number. Their PO BOX is in West Chester, OH and call center in India. Do not do business with this bank!
Reviewed June 17, 2024
This is a SCAM, someone had made a withdrawal while I was sleeping and I had my card with me, don't know how this happened and I did a dispute the very same morning when I received the notification and they denied my claim saying that I authorized this transaction, which I didn't. If I did it, then I did but I didn't do this. You guys are a rip off and to have innocent people like myself, this is totally unfair.
Reviewed April 13, 2024
I have been with GO2bank for close to a year now. I basically use it for small transactions online because it's convenient, plus I wanted to try online banking vs the usual brick and mortar banking to weigh the pros and cons. Go2bank has very poor customer service and are hard to communicate with if you only speak English. I have issues with the amount of time it takes to receive refunds or make deposits because they keep the in "pending" mode where those funds are unaccessible until they do their job to clear them. I have had issues with how rude their customer support is and they are known to hang up on you or cut off your online chat.
I have read other reviews and was surprised to see the countless number of bad reviews they have. Part of Go2bank's problem is that nobody complains about them and their shady practices to the proper authorities or follow through with their complaints. File complaints with the FTC and if everyone did this Go2bank would be no more. Many of these complaints I have read about them appear to be criminal.
Reviewed April 7, 2024
They charge monthly fees. It's the biggest scam in the online banking industry. I "owe" you guys money, because I refuse to put more than $150 in that account, because somehow $400 went missing. Every time I look it's another notice about an overdraft fee. I DON'T USE THE CARD. HOW CAN IT BE OVERDRAFT!?!? They have zero perks. They're basically charging you to hold your money.
GO2bank Company Information
- Company Name:
- GO2bank
- Website:
- www.go2bank.com
