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.

Visit www.go2bank.com
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.

Still have questions?

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 - 40
    Customer ServicePunctuality & SpeedRefunds & Payouts

    Reviewed Aug. 10, 2026

    Frustrated. Bought a go to card from Walgreens added $400yo Temporary card day of purchase..A day later I activated the card at lunchtime by the time I got off at 4:30. Two transaction from Parcel Path of $175.74 another one for $175.80 that total out to 351.54 after activating. Call customer service regarding transactions. Customer service gave me to run around. Issue still not resolved. The remaining of $48.46 they’re taking for monthly fees, remaining is still there because I never received an actual card in the mail. They’re taking for monthly fees, remaining is still there because I never received a actual card in the mail. Temporary card and account was suspended with refunds in account..Can’t talk to anyone regarding the matter Hang up soon as I call customer service . Plus customer service is rude and disrespectful. Thieves.

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    Customer ServiceRefunds & Payouts

    Reviewed July 31, 2026

    This is the worst bank possible. Keep in mind if you lose your phone number access to your phone you will not be allowed to get into your account. You'll be locked out of it and you will not have access to your money and on top of that to people that work at that place will hang up on you 100 times. That's what they give a crap but then don't and if you cuss them out you will never get your money back. The best thing to do is go to consumer affairs or best Business bureau and file a complain about them and hopefully get a class action lawsuit and sue them. They have over 400 different complaints and only 200 of them song think about that worst ** Bank ever. Go to a real Bank, not to junkie a ** stupid one.

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      Customer ServiceRefunds & Payouts

      Reviewed July 20, 2026

      I can't imagine how they stay in business. Starting in November 2025, someone was draining hundreds of dollars from my account each month when I received my S.S.I. disability check. Mostly it went to Hello Fresh, Lime, and Lyft, three places where I've never done business and never will - and have told them so on numerous occasions. They pay them anyway, and when I demand my money back, they close my account and cut off all communication. There is a problem with a bank that has no physical branch-they treat you like dirt, steal your money, and what recourse do you have? Far as I can tell, none.

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      RatesHonesty & Transparency

      Reviewed July 11, 2026

      Opened an account for the 4.50A% interest. Found it to be misleading. Next is to close it.

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      Punctuality & Speed

      Reviewed July 8, 2026

      I do not recommend this bank, if you want your check 2 days early, it is 5:30 on a Wednesday, when I usually get my check at 3:20 from my previous bank. When I come over to this bank, I don't get my check 2 days early, like they claimed this Bank is a joke and it sucks.

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      Customer ServiceSales & MarketingPunctuality & SpeedOnline & AppRefunds & PayoutsMaintenanceStaff

      Reviewed July 5, 2026

      This is one of worst experience I have ever came across in my 35 years of living in USA for a banking company. The mobile app as well as the websites demands your SS#, DOB, full address, etc. & yet none of the 4 GO2bank debit cards which I bought from CVS Pharmacy & loaded them for a total of $1980 & paid $11.80 fees & The receipt as well as the package shows ready to use and activated. But when trying to use the card, it ask to download the app. Once the app is downloaded, you can activate only 1 card. Then comes the next surprise, each card needs a different email, then w/o having a pin set up you cannot activate the card. Now comes the biggest of all, until you get a chip card mailed to you, one cannot use the ATM for withdrawals.

      The best part of it is that once you get an error activating your card, you have to wait for 1-2 hrs to try activating again. I have waited for 5 days & called their help desk and customer service almost 10 times & they make me do the same procedure repeatedly, in spite of me letting them know that if I do it, it shall again show an error message & ask me to try back later. The customer service agents are located all over in Asia call center & I have to repeat the entire story again with each of them whom the call is transferred, it has become so frustrating that I call CVS Customer Relations & they escaped by stating to call Green Dot at 1-866-652-4611, ext #** to get a resolution for the same.

      One cannot a refund on these debit card if it loaded. My 4 cards loaded with $1980, the package says "no monthly fees, free ATM network, & Ready to use." All of them are false advertisements printed on the card. Once cannot use the card unless it is replaced with a chip card for any banking transfers. The card could solely be used for retail purchases & not for any banking activity. Why would the FDIC back a card which is asking for the personal information details like SS#, DOB & ADDRESS for verification.

      How can one be assured that the information is secured on a mobile app or website of GO2BANK cards is the question to be asked to Consumer Bureau of Affairs as well as the FDIC. It is printed on back of the card "Member FDIC pursuant to a license for VISA, USA." It ridiculous that the FDIC gives an authentication for the customers prior to examining the details and procedure of the legality & harassment and challenges a consumer has to face when purchasing a card & how his finances are in jeopardy once card is purchased and loaded at a well known Pharmacy retail outlet CVS.

      I would request the Consumer affairs, The Federal Trade commission as well as the FDIC to investigate in this card which is promoted by Green Dot to save future buyers of this card what I have gone thru and still going thru to get a refund of my 4 GO2bank cards purchased as of 06/30/26 & yet could not activate the cards on the mobile app as well as the website.

      It has been a nightmare for me for past 5 days on the 250th birthday of our great country which I was not able to celebrate nor could give a gift to my daughter due to my finances stuck on these 4 cards purchased, loaded with $500 each and could not activate nor could make use of it. It so ridiculous that an advance country like our still allow this scrupulous companies to promote a banking app & dupe the customers for 21 days to get their money back with a website & mobile app not working efficiently & w/o any security of authentication of demanding & gathering personal & private information for identity theft.

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      Reviewed June 28, 2026

      It's a great Bank and it has 4.1 percent APR for the savings account.

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      Customer ServicePunctuality & SpeedBilling

      Reviewed June 24, 2026

      This is the worst banking experience I’ve ever had. They create fraudulent transactions on your account so they have to replace your card…. Then make it impossible for you to access your own damn money!! My bills are past due… card takes forever… and everything you can think to do goes against their policy. Customer service is horrible and they never solve anything. I hate that I ever gave them my business. Then if you wanna close your account you have to wait 3 weeks for a check!

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      Reviewed June 23, 2026

      Yes very nice, appreciate this opportunity to have this car.

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      Customer ServiceSales & MarketingStaff

      Reviewed May 31, 2026

      This is the worst bank ever. Do not trust them. Customer service sucks. They do not help you. I close my account May 18 and I have transaction and my account that they say that was not even me. They will not even dispute the transaction. I am currently -$281 in the account which I’ve never made and when I called customer service, the guy was worrying about my frustration and telling me to calm down or he won’t be able to help me. I had me on speaker on an intercom or something, and when I asked for the higher manager, another person came on the phone a scam artist was telling me that it was made by me. Don’t ever bank with these people. They are a scammer, the worst person to trust with your information and they could take the $281 and stuff suck it up they **.

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      Refunds & PayoutsMaintenance

      Reviewed May 15, 2026

      Don't ever use this bank!! I went back and forth with these people about getting money off my card to put it in another account and they kept telling me over and over that my expire date did not match what The card I was putting in. WHAT?? Then that is their mistake to fix. For 4 days I tried to get my money and finally I just closed the account and they send you a code to go pick it up at Walmart! That's about the dumbest thing I have ever heard of. They wouldn't let me move some money out but then they send it to Walmart for you to pick up! Ridiculous. They could have just fixed the date they had wrong! Whatever. Glad it's over!!

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      TechStaff

      Reviewed April 17, 2026

      I had a Go2bank account for years getting direct deposit for my father's social security check because I was his power of attorney and designated representative through the social security office. Well he died last year and go 2 bank locked up my account stating that they got a notice that my dad passed. I let them know that he did pass away. They have my money locked in the account. They said that they needed a letter stating that I wasn't deceased since the account was in my name and the social security office gave me a letter stating that and I sent it to their corporate office for review.

      They said the account can't be opened back up, but they have yet to send my money to me via check. They said they would even send it back to the social security office, but they haven't even did that. I have approval from the social security office that the funds belong to me and social security said that once funds are sent out they don't recoup them. So why won't they send me my money to me? If anyone knows who I can contact about this matter please let me know?

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      Customer ServicePriceRefunds & PayoutsTimeliness

      Reviewed March 29, 2026

      Used my go-to bank debit card to purchase items at Merchant. The Merchant immediately canceled the transaction due to an error that occurred on the merchant's end. The money was put on hold out of my account and shown as pending. Called The Merchant and was told that in their system it shows the transaction was canceled and they received no money. Contacted GO2bank customer support and was told that the refund takes time and told me that they could not release the hold on a pending charge. However immediately following the next day used my go-to debit card to make a purchase at a different Merchant and it posted to my account and was not showing as pending.

      If you make a purchase at a merchants for any amount that amount is released and no longer pending within one day. Yet a refund to the card or a canceled transaction by the merchant that was done immediately after the transaction occurred by the merchant and was told that it took 10 days for it to no longer show as pending but show as credit did back to my account.

      Customer service was extremely poor and very rude and there's no reason why they have to hold the funds for that long to process a refund but yet a purchase legitimately without any disputes or canceled transactions immediately after the purchase is made takes only one day to post from pending to the account. Couldn't get anywhere with these people. As soon as my refund comes in I am canceling this account, closing it out and I will never use this Bank ever again. It is the worst online banking app I have ever experienced out of all of the others that I have tried. Do not recommend opening an account with this app. I will stick with Chime, Cash App, etc., etc.

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      Refunds & Payouts

      Reviewed March 20, 2026

      I received GO2bank card for income tax refund. I activated the card and have been trying to talk to someone for an hour. When I check the card balance it stated there was no funds available. I chose this option for my refund and I'm disappointed that I could not speak to anyone or assess the account online.

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      Reviewed March 16, 2026

      I think GO2 bank is horrible. I got a notification from them asking about a transaction and I hit no and they shut me down and wouldn't let me have actors my money I gave them we all my information and they said, "Sorry ain't that correct." Johna left me broke and wouldn't let me transfer to my linked account so yes, my experience with GO2 bank is absolutely horrible. Don't use this bank, it suck bad.

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      Customer ServiceTechStaff

      Reviewed March 12, 2026

      I am so frustrated with GO2bank. They froze my account said it was suspicious activity. I have been with him for over a year with direct deposit. Never had any problems with my paychecks or anything like that and now they are not unfreezing my money for me. This is the worst customer service and the worst kind of bank service that any bank can provide. If this were to happen in a company that was reputable they would at least provide a $500 cash withdrawal so the people that they are not giving their hard-earned money to can live and make it until they fix their own mistakes. I am switching banks and I suggest not ever banking with GO2bank. So disappointed and I would never ever ever refer anybody to these people.

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      Customer Service

      Reviewed March 4, 2026

      Need to speak to someone, how do I do that. I'm getting text about a card ending in ** that I don't have and that ask for a security code and I can't give them something I don't have. I need customer center to call me.

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      Customer ServiceRefunds & Payouts

      Reviewed Feb. 26, 2026

      Absolutely horrible customer service for the past two weeks. I was out a total of $1,700. They did not refund me the money due to a hack to my account. They said it was my fault, that these mines were gone and they wouldn't refund me. They asked me for documentation to prove I didn't do it. Now how can I make documentation of something that I didn't do.

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      Reviewed Feb. 17, 2026

      Terrible bank. They closed my account for no absolute reason. I was also receiving direct deposit from my job. Stay away from these scammers. To wake up one day and find out they shut your bank down for no reason should be illegal.

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      Customer ServiceContract & TermsPricePunctuality & SpeedBillingHonesty & Transparency

      Reviewed Jan. 23, 2026

      Giving them a one star is too much. They are rude. They never answer your question. By chance one of them does they don't tell you the truth. I called them to stop payment on a transaction. And they told me they couldn't stop the transaction.. So I end up calling the place the transaction was made with. They told me that they had already canceled the transaction. And return the money to my bank which was Go2. I ask them if they could send proof to my email account. They even sent me tracking on it. So when I called Go2bank and told them. They just keep telling me that it was pending on the other end. Not there. I told them that I had proof that it was back at their bank and I want it back in my account. One of them even told me I was lying about it. They still haven't put it back on. Plus because of their mess up it end up costing me more money waiting on them.

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      Customer ServicePunctuality & Speed

      Reviewed Jan. 12, 2026

      I bought a prepaid card years ago. I asked them to delete my account from prepaid card bought in CVS drug store. Years later they still won't. I emailed BBB & FTC. Still keeping a account for some reason. Yet it's fraud. I don't do biz there and card has had nothing on it for years!!!!

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      Staff

      Reviewed Dec. 28, 2025

      Do not open an account with these people. They are very unprofessional and don’t know what they are doing. I signed up for direct deposit and they told me I needed to contact my company to change a code which made zero sense. Go somewhere else.

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      Customer Service

      Reviewed Dec. 19, 2025

      WOW recd 2 debit cards in mail... Never activated them but found they were being used... NOT BY ME. Almost impossible to communicate problem with CSA on phone... FRAUD FRAUD. Beware. There is someone who has hacked into the GO2 Bank.

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      Customer Service

      Reviewed Dec. 12, 2025

      I used this card to get my direct deposit for the first time from the temp service I've worked with many timesn. Never had issues getting my deposits until I used the card. It shows the job sent the money but I never got it then the customer service keep saying they have no record of no deposits so they keep saying I need to address job!!! No. GO2bank has stolen my money. Do not deal with them. 92 dollars was all it was for one day pay and they took it. How are they doing this.

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      Customer ServiceSales & Marketing

      Reviewed Dec. 5, 2025

      Do not get this card, bad!!!! Well bad. They never answer the phone. I telling you do not get. They are **. We got these cards to buy Christmas gifts for our family and now we are out lots of money!!!!! Most people today can not afford to lose money. Beware of this scam,,,,, Do not buy the cards.

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      Refunds & Payouts

      Reviewed Nov. 26, 2025

      They have messed up I can't get my money because they have locked my account. I'm very pissed about it. Because someone from UnitedHealth tried to make a deposit and they said it was fraud. Why blame me? That's screwed up!!!! But anyway, I have to get hold of the originator, which is the treasury department, because it's my social security money, I need it.

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      Customer ServiceMaintenance

      Reviewed Nov. 22, 2025

      Horribly outrageous. Purchased 2 cards on was preactivated with my knowing until I notified bank card is defective. They says no funds on account that is because when try to activate card then was disallowed then I call bank. They don't find me credible. I am l fighting this matter.

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      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 Service

      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 & SpeedOnline & AppStaff

      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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      Price

      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 ServiceHonesty & Transparency

      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 ServiceSales & MarketingStaff

      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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      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 ServiceHonesty & Transparency

      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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      Reviewed July 31, 2025

      Worst bank ever. Can’t close the account. Do not even waste your time or money with this bank. Not even affiliated with the Better Business Bureau. Do not use GreenDot because they are one and the same. That is how I was stuck with this bank.

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      Reviewed July 25, 2025

      Still haven't received direct deposit, check stub, said it was sent. I'm thinking that they kept it and telling me that they never received it and I desperately need my deposit. Are they fraudulent? NOT Happy at all.

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      Sales & MarketingHonesty & Transparency

      Reviewed July 23, 2025

      This bank allows scammer to open accounts and trick employers to deposit payroll checks then close their accounts. This happened to my business and when you try to reach go to bank, there's no one that will even speak with you. In my opinion, they are complicit in these illegal activities, allowing scammers to use their platform to scam others out of money. Be warned stay. Not a bank for honest credible people or businesses. Here we have informed the FBI who are formally looking into this bank.

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      GO2bank Company Information

      Company Name:
      GO2bank
      Website:
      www.go2bank.com