Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. To do this, many or all of the products featured here may be from our partners. No reviews yet. 1 Monthly fee waived whenever taxpayer receives a payroll or government benefits direct deposit in the previous monthly statement period. The limits reset at 12 midnight Pacific Standard Time. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. 7 Retail service fee and limits apply. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Go2Bank gives you access to up to $200 in overdraft protection 5 on debit card purchases, which can come in handy when you're a little short on cash. Transfer from another debit card to GO2bank. Free from another bank account in 3 business days** Activated, personalized debit card required to make a bank transfer. Overdrafts are paid at our discretion. All third-party names and logos are trademarks of their respective owners. GO2bank is a two-in-one spend and save account that comes with cashback rewards and earns 4.5% APY on up to $5,000 kept in your savings account. See app for free ATM locations. Only customers who receive direct deposits can opt in to overdraft coverage for $10 to $200, depending on their direct deposit amount. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. App Store is a service mark of Apple Inc. Nisi proident qui irure non tempor consectetur, Deposit cash to a prepaid or bank debit card even your own when its not with you.. Overdraft fees can add up: $15 per instance, up to 10 per quarter. 2 Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. Write a review By All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. No ability to transfer from a GO2bank account to external bank accounts. You can load up to $2,500 per day and the maximum load is $1,100 per transaction or load. The stars represent ratings from poor (one star) to excellent (five stars). Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. No fee for being overdrawn by $10 (for customers in the overdraft protection program). At The College Investor, we want to help you navigate your finances. One full year of consecutive direct deposits of $500 or more is equal to $107.40 in savings! See Deposit Account Agreement for details at GO2bank.com. All third-party names and logos are trademarks of their respective owners. Box 1070, West Chester, OH 45071, or visit greendot.com . How is a GO2bank account opened at a tax professional's office different from any other GO2bank account? This influences which products we write about and where and how the product appears on a page. Up to five savings vaults. If you get the debit card at a store instead, itll cost you up to $2.95 to buy the plastic, and $20 is the minimum initial deposit. The wallet will then link to your bank account, and you can transfer your balance over whenever you wish. Most services are online. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Free ATM network of 42,000+. All rights reserved. All third-party names and logos are trademarks of their respective owners. This includes the ATM withdrawal limit of $500 per day. About us. No overdraft fees for most types of transactions. Can I transfer money from someone elses bank account to my GO2bank account? App Store is a service mark of Apple Inc. Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries. 1 Get pay early Get your pay up to 2 days early or your government benefits up to 4 days early with direct deposit. Open the Wallet app on an iPhone. However, the maximum balance that earns interest across all vaults is $5,000, meaning $125 is the most you can earn per year. Can I get cash with my GO2bank Secured Credit Card? Fees and daily withdrawal limits apply. You'll always be ready to pay bills, shop online or send money when you need to. 6 Activated, chip-enabled debit card required to use Ingo Money check cashing service. You can send or receive money with a neighbor or someone across the country. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Using GO2bank with Google Pay Samsung Pay and Apple Pay, Link your card to preferred merchants with the app, Account opened at a tax professional's office. The maximum cash deposit amount for a 30-day period must not exceed $3,000. Transfer money from a linked debit card or bank account; Apply for a secured Visa credit card and build credit; . Wire Transfer Costs Domestic Wire Transfer - $25 International Wire Transfer - $35 BECU charges a domestic wire transfer costs $25, and an international wire transfer costs $35. Next, tap the three-dot "More" button and select Daily Cash. Open an account Welcome to the GO2bank Help Center How can we help? Ability to create up to five vaults, which can divide up savings goals. Is there a GO2bank Secured Credit Card annual fee? NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Your debit card and transactions Transactions and transaction history Your chip-enabled debit card Earn cash back with eGift Cards Using GO2bank with Google Pay Samsung Pay and Apple Pay Link your card to preferred merchants with the app Refer a friend Overdraft protection Using your virtual card Dispute a transaction Limits apply. What are the GO2bank Secured Credit Card rates and fees? DO NOT Sell My Personal Information. When evaluating offers, please review the financial institutions Terms and Conditions. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners. There's also a limited cash-back program for purchasing online gift cards. Will my withdrawal availability affect other purchases? The name and Social Security number on file with the Internal Revenue Service must match your GO2bank account exactly or we will decline your deposit., Fees and limits apply to debit card transfers. 8 See app for free ATM locations. SeeDeposit Account Agreement (PDF), Fee: 3% of the amount transferred (min of $2.00). No minimum opening or ongoing balance required. Customers can either have a check deposit thats free but takes 10 days to receive funds, or pay a fee of 1% to 5% of the check amount to receive funds within minutes. Can I transfer money from outside the U.S.? Personalized debit card required. Common pros: Neobank accounts often have low monthly fees and earn strong rates. Neither GO2bank, Green Dot Corporation, Visa U.S.A. nor any of their respective affiliates are responsible for the products or services provided by Ingo Money, Q2 Software, Plaid, or any eGift Card merchants. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. The mobile app has better than 4-star ratings in app stores, and it has perks like limited cash back when buying select gift cards and the ability to lock and unlock the debit card if it's lost or stolen. The mobile-focused banks biggest perks are the high savings rate (on up to $5,000) and the ability to deposit cash at certain retailers. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Downside: If you bring a bank account balance back to $0 or greater within 24 hours of an overdraft, theres no fee charged. Daily Spending Limits. A maximum of $50,000 is allowed in the GoBank account. Samsung is a registered trademark of Samsung Electronics Co., Ltd. 2023 Green Dot Corporation. My address . PO Box 508 West Chester, OH 45071 | A Green Dot Company NMLS ID 914924 | Technology Privacy Statement, $0 whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period, otherwise $5 per month, Transfer money from a linked bank account, 3% of the amount transferred (min of $2.00) added to transfer amount, 1% or 5% of check amount for money in minutes, depending on check type ($5 minimum fee per check); $0 for money in 10 days, In-network ATM withdrawal or balance inquiry. Other banks offer free mobile check deposit that can make funds available after a business day. Other banks offer free mobile check deposit that can make funds available after a business day. Solid rate for up to $5,000. Mobile number verification, email address verification and mobile app are required to access all features. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. GO2bank is Green Dot's flagship digital bank. We also get your email address to automatically create an account for you in our website. Unapproved checks will not be funded to your account. Monthly fee unless you have direct deposits. His work has been featured by USA Today and the Los Angeles Times.Read more. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. GO2bank lets you deposit cash at about 90,000 locations of big-brand retailers such as Walmart and CVS, for a fee of up to $4.95. GO2bank | The Ultimate Mobile Bank Account Open an account the ultimate mobile bank account no monthly fees with eligible direct deposit* no hidden fees* Open an account Activate your card Get your pay early Say no to fees Stay covered Keep your money safe Build your credit Free ATMs near you Withdraw cash for free at thousands of ATMs nationwide* Upsides: However, there are other neobanks where accounts earn interest on higher savings balances, allow cash deposits and have no monthly fee. Mobile number verification, email address verification and mobile app are required to access all features. No way to transfer money out of GO2bank. Fees are high. Partner terms and conditions apply. 3 Opt-in required. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. Log in to the GO2bank app or GO2bank.com to find a free ATM location near you. You can read their supposed benefit package and marketing points and you will see it does not not explain that a $15 charge per transaction will be applied to your total overdraft limit. Please note that Green Dot Bank operates under the following registered trade names: GO2bank, GoBank, Green Dot Bank and Bonneville Bank. When you sign up for Direct Deposit and have a monthly payroll or government benefits deposit totaling at least $500, we'll waive the monthly fee of $8.95 for your card account! 5 Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Your secured credit card Rates, fees and limits Rates, fees and limits What are the GO2bank Secured Credit Card rates and fees? OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. For overdraft protection customers who have a negative balance beyond the grace period and its more than $10, GO2bank charges $15 for each debit card purchase that makes or keeps an account negative, up to 10 times per three-month period. About 90,000 retail locations for cash deposits and 19,000 fee-free ATMs. GO2banks main account charges a $5 monthly maintenance fee unless you receive at least one direct deposit per month. 4 Activated, chip-enabled GO2bank card required to purchase eGift Cards. Can I change or cancel a one-time transfer? Fees and limits may vary or are subject to change. If you choose to receive your money in 10 days, the service is free. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. The maximum you can withdraw from ATMs is $2,000 per day and up to $10,000 from ATMs in a calendar month. Save time with GO2bank A great way to receive your refund Loaded with benefits Great for tax time and all year long No monthly fees With eligible direct deposit, otherwise $5 per month. Do not sell or share my personal information. Free ATM network. GO2bank is an all-digital bank, so there are no branches. See Deposit Account Agreement (PDF) for details. Withdrawal-based limit holds typically expire at 4 pm PST on the date listed. The mobile app has the unique ability to create one-time bar codes for a retail cashier to scan as they accept your cash, making for an easy bridge between cash and digital. Prize: $1,000 to be awarded as credit or a check. Green Dots GO2bank provides mobile checking and a high savings rate, but it has a monthly fee that many similar accounts dont charge. Common cons: They may lack traditional banking features, including in-person customer service and access to personal or cashiers checks (often required for large purchases, such as buying a home) or wire transfers. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. The bank also provides a secured credit card to build credit, with no credit check. Can I transfer money from another bank account to my Green Dot account? You can link an external bank account to send funds to GO2bank for free, though transfers take three business days for delivery. Add Money. This doesnt influence our evaluations or reviews. When you login first time using a Social Login button, we collect your account public profile information shared by Social Login provider, based on your privacy settings. All the checks you write are recorded in your transaction history. Within minutes, your funds will be available in your account. Can't find your answer? Help Center. Many neobanks with similar accounts dont have monthly fees. Neither GO2bank, Green Dot Corporation, Visa U.S.A. nor any of their respective affiliates are responsible for the products or services provided by Ingo Money, Q2 Software, Plaid, or any eGift Card merchants. App Store is a service mark of Apple Inc. Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries. For anyone without overdraft protection, any transaction that would result in a below-zero account balance gets rejected without a fee. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. Many online savings accounts pay interest monthly, which helps you compound and earn more money off your balance. Can I edit or cancel a scheduled one-time or recurring bank transfer? Both will post as a separate transaction and debited from the same account the wire is drawn on. Additional limits on the amount and frequency of transfers may be placed for the security of your Savings account. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. All checks are subject to approval for funding in Ingo Money's sole discretion. Consider a high-yield savings account instead. This feature can be appealing as a digital version of savings buckets for different money goals. 2023 GO2bank. Quick Summary No monthly fees with eligible direct deposit Maximum of $200 in overdraft protection* 4.50% APY on up to $5,000 in savings Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Many neobanks with similar accounts dont have monthly fees. 1. Send cash quickly and conveniently to almost anyone, anywhere in the U.S. Like the firms first banking enterprise, GoBank, GO2bank has a checking account with separate savings subaccounts called vaults. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. - Contact us. Upsides (with one caveat): Transfer from another bank account to GO2bank. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. SeeDeposit Account Agreement (PDF). In minutes from another debit card for a small fee** Fees and limits apply to debit card transfers. 2023 GO2bank. GoBank charges $3 for out-of-network ATM withdrawals and about $6 for a dozen paper checks. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Active GO2bank account required to receive eGift Cards, eGift Card merchants subject to change, as well as the percentage of cash back from each merchant. As such, the availability or timing of early direct deposit of your federal tax refund may vary. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. ACIBGO01 The Way2Go Card Leading the way to wherever you want to go. Limits apply to bank transfers. All financial products, shopping products and services are presented without warranty. So how do we make money? Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit Difficult to transfer. Learn more(Overdraft Protection PDF). Your daily spend limit is $10,000 per day. Usual number of links are restricted to only 3, therefore the higher the better. A $3.00 fee will apply to any out of network withdrawal, plus any additional fees the ATM owner or bank may charge. How we rate banks, credit unions and other financial service providers, Spencer Tierney is a writer and NerdWallet's authority on certificates of deposit. The stars represent ratings from poor ( one star ) to excellent ( five )..., though transfers take three business days for delivery Secured Visa credit card rates and fees -. 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