GO2bank is a trademark of Green Dot Corporation. Customers of GO2 Bank can get up to $200 in overdraft protection when they need multiple direct deposits within 35 days. The credit limit on your secured credit card is equal to how much money you deposit on your card. This will help you decide whether a GO2bank account would be the right fit for you. Asking yourself some simple questions can help you narrow down your choices. To apply for a GO2 Bank, you dont have to have a credit score or undergo a credit check. Ally Bank is another online bank that offers much more than just checking and saving products. Their ATM network includes well over 15,000 AllPoint locations. Talk with a financial professional if you're not sure. Every Dollar Review Is This A Good Budgeting App For Your Finances? Access 24/7 support and get daily balance and transaction alerts. $15 fee may apply for each purchase transaction not repaid within 24hrs of authorization of first transaction that overdraws account. GO2bank is a trademark of Green Dot Corporation. They also have many banking partnerships to indirectly serve even more customers. Out-of-network ATMs are subject to a $3 fee plus any fee the ATM owner or bank may charge. The chip-enabled debit card ensures that you can safely use your card. You may cancel the cash withdrawal transaction if you wish to avoid the surcharge fee. Fees apply for approved Money in Minutes transactions funded to your account. Overdrafts are paid at our discretion. You can round up the purchases that you make to the next dollar to save the remainder. In this GO2 Bank review, well discuss everything that this bank offers, the pros and the cons, so you can make an informed choice. Open your account now! Debit/ATM card limits: Maximum amount of total daily withdrawals and purchases. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Account must be in good standing and chip-enabled debit card activated to opt in. Please note that withdrawal requests may take up to 48 hours before approval. 2023 GO2bank. This is really too bad because its one of the features that GO2 Bank touts quite a bit. $3 for out-of-network withdrawals plus any fee the ATM owner or bank may charge. What are the GO2bank Secured Credit Card rates and fees? They have other 43,000 ATM locations via Allpoint to provide fee-free ATM access to their customers. The limits reset at 12 midnight Pacific Standard Time. It even allows you to send a check to use as payment. If you dont wish to completely manage your account online, want a base ATM network, or want to open an account for more traditional financial products, GO2 Bank might not be your answer. But offers higher withdrawal limits of up to $1,000 per day at a Walmart register or Money Center and $1,500 per transaction at an attending bank teller. Learn more(Overdraft Protection PDF). Limits apply. The GO2bank account comes with a Visa Debit card. How much cash can I get from an ATM using my GO2bank secured credit card. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Ingo Money is a service provided by First Century Bank, N.A. The money should then appear in your bank account within a few minutes. Designed for freelancers, Lili offers a suite of tools including invoicing software, expense reports, write-off tracker, and automated tax savings. All rights reserved. Active GO2bank account required to receive eGift Cards. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners. Customer service reps can also be reached via live chat that GO2 Bank has available for customers who are logged into their website. Rapid Finance Review Is This Site Worth Using? For all GoBank accounts, you must be at least 18 years of age. Anjana also holds a Business Analytics Certificate from the Wharton School. See how you can save the day and your budget with GO2bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. The content on Wealth Pursuits is for informational and educational purposes only and should not be construed as professional financial advice. Finder.com LLC. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. 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 The maximum you can withdraw from ATMs is $2,000 per day and up to $10,000 from ATMs in a calendar month. First Citizens Bank Free Checking stands out for its built-in finance tracking tool, Manage My Money. Enjoy free workflow integrations for your business, such as invoicing and budgeting. 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. 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 Earn 2% interest on up to $250,000 after qualifying transactions. All rights reserved. During that period, you can still cancel pending withdrawals. So with a starting $5,000 balance, youll earn the same amount of interest each year instead of earning interest one year and then earning interest on that interest, called compound interest, the next year. Account must be in good standing and chip-enabled debit card activated to opt-in. Your bank account will get funded, and you can use the money with the GO2 Bank debit card. Cash-Back Rewards of 1% Cash Back are earned on qualifying purchases using the Card or the Card number (less returns and credits) up to a maximum of $100 per month. 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., Get up to $200 in overdraft protection with the GO2bank debit card, Set up eligible direct deposits and opt in to get covered for every purchase. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. GO2bank is Green Dot's flagship digital bank. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. We strive to provide up-to-date information, but make no warranties regarding the accuracy of our information. Qualifying purchases do not include those that earn . The daily spend limit is $10,000 per day. Otherwise $5 per month. Referring GO2bank accountholder and referred individual GO2bank accounts must both be in good standing to be eligible for and receive a reward. See how you can save the day and your budget with GO2bank Open an account No monthly fees with eligible direct deposit, otherwise $5 per month * No hidden fees See our simple fees No minimum balance required to open an account online * Earn 10x the national savings rate average Yes. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Alliant Credit Union is a digital-only credit union. GO2bank.com has an online chat feature in the bottom right corner of most pages where a specialist can help answer your questions. Opt in required. Get more information about Uber Visa Debit Card fees and limits. Green Dot Corporation has another brand called GOBank, which should not be confused with this offering. Over the past 21 years, Green Dot Corp has served over 33 million consumers. Overdrafts are paid at our discretion. Access your Credit Karma Money Save account. ***Fee of up to $4.95 may apply. Qoins Review Is This App Worth Downloading? Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. On both the Apple and Android app stores, they have over a four-star rating. This credit card allows you to begin the process of building or rebuilding your credit. You can spend up to $3,000 per day. Chime Bank has partnerships with two banks to offer their checking and savings accounts. It depends on how much you earn. Ally Bank also offers free checks and remote check deposits. All third-party names and logos are trademarks of their respective owners. Visithttps://www.fdic.gov/regulations/resources/rates/to learn more. Keep in mind that account holders will have over 19,000 fee-free ATMs to choose from in the Allpoint nationwide ATM network. Use your card number and PIN when using the app or visiting the merchants website or us the barcode Go2Bank provides when you shop in-store. when you buy eGift Cards from over 100 popular merchants in the app** Activated, chip-enabled debit card required to purchase eGift Cards. Skip a call & save time! Details about GO2bank Secured Visa Credit Card have been collected by FinanceBuzz editors. No monthly fees with eligible direct deposit, otherwise $5 per month, Over 55,000 in-network ATMs nationwide within the Allpoint ATM network, Expedited delivery for replacement debit card, $0 if you opt in to overdraft protection up to $200, Enter your home address agree to the terms and conditions and select, Enter the verification code you receive and select, Enter your date of birth and Social Security number and select. Earn up to 1.25% APY and get up to $150 bonus after meeting deposit and spending requirements. Pay $0 monthly fees and no minimum balance. Your GO2 Bank debit card can be added to mobile wallets, including Apple Pay, Google Pay, and Samsung Pay. Premium 200 allows for a maximum of 10 overdrafts in a monthly statement period. Send cash quickly and conveniently to almost anyone, anywhere in the U.S. Deposit cash to a prepaid or bank debit card - even your own when it's not with you. Learn more about how we make money and our editorial policies. Learn more (Overdraft Protection PDF). GO2bank is Green Dot's flagship digital bank. 2023 GO2bank. There is a fee if you wish to cash the check immediately. There are no monthly, overdraft fees, or minimum balance requirements with Chime. All checks are subject to approval for funding in Ingo Money's sole discretion. If you purchase a GoBank package at a retail store, you will need to make your initial deposit at the time you purchase . Green Dot also offers money processing services, tax refunds, cash deposits, and disbursements. It doesnt matter if you dont have good credit to open an account because there is no credit check. Their customer service number is 855-459-1334. See app for free ATM locations. Use this table to compare GO2bank to other popular accounts. Swyft Filings Review Can This Legal Service Help You Form Your Small Business? Having limitations on an account doesn't necessarily mean that you've done anything wrong. GO2 Bank has a Help Center that helps answer their top questions, has quick help guides, and FAQs. Pay $0 monthly or overdraft 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. 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 . GO2bank is the ultimate mobile banking app and debit card, packed with features to help you better manage your money and build your credit. Fees and limits may vary or are subject to change. If you dont want to worry about monthly fee requirements, compare free checking accounts. When on a mobile device, click on * to view disclosures. Premium 100** Premium 100 allows for a maximum of 10 overdrafts in a monthly statement period. Enter the desired amount under Withdrawal amount. You can open a GO2bank account through the website or mobile app. You may not exceed $10,000.00 in daily transaction activity nor . Get up to $200 in overdraft protection with the GO2bank debit card Set up eligible direct deposits and opt in to get covered for every purchase* Open an account Already have a GO2bank account? Your wireless carrier may charge a fee for data usage. See your Deposit Account Agreement for details. Below is what you should know about GO2 Banks checking and savings account products. Overall, GO2 Bank is a solid choice for those who are interested in mobile banking, are unbanked, or dont need a traditional bank to manage their finances. Overdrafts are paid at our discretion. Limits apply. NO PURCHASE NECESSARY. Earn 10x the national savings rate average. Account opened at a tax professional's office. Banked individuals can also open an account too. Youll have 24-hours to bring your balance to at least $0 to avoid a fee. As an all-digital bank, GO2 Bank has made efforts to ensure that its banking app is easy to use. When you use your mobile banking app to purchase eGift Cards, you can earn up to 7% cashback.