Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. * When on a desktop, hover over * to view important disclosures. Free ATM network of 42,000+. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Fees on your primary deposit account may reduce earnings on your savings account. 3 Opt-in required. Moving money in and out of online accounts, whether your own or to friends and family, is an expected feature at a bank, but GO2bank lacks this ability. Can I get cash at an ATM using my GO2bank Secured Credit Card? Partner terms and conditions apply. This Deposit Account Agreement (this "Agreement") explains the fees, policies, terms, and conditions that govern your GO2bank Visa debit card ("Card") and the associated FDIC-insured, non-interest-bearing primary deposit account ("primary deposit account"), which, unless otherwise noted in this Agreement, includes the interest-bearing savings account ("Savings Account . The Debit MasterCard Way2Go Card is issued by Comerica Bank pursuant to a license from MasterCard International Incorporated. 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* The ultimate in value and convenience: No monthly fees with eligible direct deposit, otherwise $5 per month No hidden fees Overdraft protection up to $200, with opt-in and eligible directs Federal tax refund early availability depends on timing of Internal Revenue Service payment instructions and fraud prevention restrictions may apply. 4.50% Annual Percentage Yield (APY) as of January 2023. How can we help? A maximum of $50,000 is allowed in the GoBank account. Is there a GO2bank Secured Credit Card annual fee? Limits apply. Welcome to the. Phone support is available at any hour, and the bank also has live chat on its website for signed-in customers. Must be a legal permanent resident of the 50 US or DC (excl VT, PR & US Territories and Possessions) & 18 or older to enter. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Your daily spend limit is $10,000 per day. Our partners compensate us. Many online savings accounts pay interest monthly, which helps you compound and earn more money off your balance. No minimum opening or ongoing balance required. Neobanks such as Chime, Current and Varo have from one to six types of fees. One full year of consecutive direct deposits of $500 or more is equal to $107.40 in savings! About 90,000 retail locations for cash deposits and 19,000 fee-free ATMs. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. You may transfer no more than $20,000 per rolling 7-day period. Account opened at a tax professional's office. U.S. citizens and. Transfer money from a linked debit card or bank account; Apply for a secured Visa credit card and build credit; . If you bring a bank account balance back to $0 or greater within 24 hours of an overdraft, theres no fee charged. GO2bank is a neobank by Green Dot, a financial technology company with the rare benefit of having a banking license to provide federal deposit insurance. Early direct deposits and gift card program. Many neobanks with similar accounts dont have monthly fees. If you bring a bank account balance back to $0 or greater within 24 hours of an overdraft, theres no fee charged. Welcome to the. NerdWallets overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Can I transfer money from someone elses bank account to my GO2bank account? Partner terms and conditions apply. Many or all of the products featured here are from our partners who compensate us. 5. See. There's also a limited cash-back program for purchasing online gift cards. Solid rate for up to $5,000. Just snap a pic with your mobile device.6, Use the card or the app to deposit cash at retailers nationwide.7, Withdraw cash for free at thousands of ATMs nationwide.8. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, 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. Stay away from this bank. - Contact us. Instant transfer: If instant transfers are available on your account, you can send funds to your linked, external bank account 24 hours a day, seven days a week, for a 1.5% fee per transfer. The limits reset at 12 midnight Pacific Standard Time. Monthly fee unless you have direct deposits. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Mobile number verification, email address verification and mobile app are required to access all features. (Learn more about neobanks.) But you'll need to set up direct deposits to avoid the $5 monthly fee and the overdraft protection, which protects you up to $200, isn't all it's cracked up to be. All financial products, shopping products and services are presented without warranty. How much does it cost to transfer money from a linked debit card to my GO2bank account? Additional criteria may apply which can affect your eligibility and your overdraft coverage. Neither Green Dot Corporation, Visa U.S.A. nor any of their respective affiliates are responsible for the products or services provided by Ingo Money and Plaid, Inc. Downsides: Previously authorized transactions and deposits/transfers to your account will function with a locked card. See Deposit Account Agreement (PDF) for details. Our opinions are our own. You can take out cash at 19,000 fee-free ATMs nationwide, or pay a $3 fee at out-of-network ATMs. Your purchases or deposits will be subject to any existing restrictions on the account, regardless of which payment method you used. When a purchase would result in a negative balance, the bank can cover up to that amount to let the transaction go through. 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. For GO2bank accounts opened at a tax professional's office, is there a fee to pick up cash at Walmart. Apple Cash is provided by Green Dot Bank, Member FDIC. Upsides: Mobile number verification, email address verification and mobile app are required to access all features. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. Account must be in good standing and chip-enabled debit card activated to opt in. Can I get cash with my GO2bank Secured Credit Card? Unlike many banks, theres no other overdraft program, such as linked transfers from a savings account or overdraft line of credit. 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. Ratings are rounded to the nearest half-star. You can pick up a GO2bank Visa debit card at retailers such as Walmart and activate it online, or open an account directly on the banks website. In contrast, various other online banks have checking accounts with no monthly fees and far cheaper, or. best banks and credit unions for mobile banking. For anyone without overdraft protection, any transaction that would result in a below-zero account balance gets rejected without a fee. At The College Investor, we want to help you navigate your finances. 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. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739. Free access to over 19,000 ATMs within the nationwide Allpoint network. Your GO2 for better credit: . See Deposit Account Agreement for details. How many debit cards can I link to my GO2bank account? See app for free ATM locations. Funds deposited in these accounts are usually federally insured through partner banks, which will also typically receive customers money if a neobank closes, so customer funds are safe. GO2bank is Green Dot's flagship digital bank. The Gusto Cash Account, savings goals, spending account, and debit card program is issued by nbkc bank, Member FDIC. 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. However, this does not influence our evaluations. 2023 GO2bank. For all GoBank accounts, you must be at least 18 years of age. Can I set up a transfer for a future date or set up a recurring transfer. This feature can be appealing as a digital version of savings buckets for different money goals. Limits apply to bank transfers. Can I get cash at an ATM using my GO2bank Secured Credit Card? Add Money. 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 of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. 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. Downsides: Daily Load Limits. The scoring formulas take into account multiple data points for each financial product and service. Yes. Transferred 20 dollars to go2. 1. Shop around: See the best banks and credit unions for mobile banking. 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. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Ability to create up to five vaults, which can divide up savings goals. Mobile number verification, email address verification and mobile app are required to access all features. External account transfers to GO2bank are either free or fast, but not both. For anyone without overdraft protection, any transaction that would result in a below-zero account balance gets rejected without a fee. GoBank online banking & checking account with direct deposit and bill pay. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. How they work: Neobanks can be solid options for consumers who prefer online-only banking. GO2bank is a trademark of Green Dot Corporation. 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. Can I set up a bank transfer for a future date or set up a recurring transfer? live customer service, ATM balance inquiries, funds transfers, or cash withdrawals for 365 consecutive days. Limits apply. View Cards GO2bank Credit Card Reviews 5 30% 4 28% 3 22% 2 These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. GO2bank is Green Dot's flagship digital bank. 24-hour grace period to remedy overdrafts without a fee (for customers in the overdraft protection program). Consider these details before opening an account. Our opinions are our own. Monthly fee unless you have direct deposits. US. 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