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. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Feb. 28, 2023, 4 Things You Must Do Before The Next Recession, Compare earnings with GO2bank vs. traditional savings account, How to withdraw money from a GO2bank account, Do Not Sell or Share My Personal Information, $0 when you receive a payroll or government benefits direct deposit in the previous monthly statement period, otherwise $5, No minimum balance, but you only earn interest on up to $5,000, No ATM access directly to your Vault accounts, as these funds can only be accessed through your GO2bank linked checking account, No limit on the number of transfers you can make between your vaults and checking account, $15 unless your account balance is returned to at least $0 within 24 hours or your account was overdrawn for less than $10, $0 for transfers from a linked bank account to your GO2bank account; transfers from your GO2bank account to a linked bank account arent available, Up to 7% cash back on eGift Cards from popular merchants, Free access to over 19,000 ATMs within the nationwide Allpoint network, $3 fee plus any additional fee by an ATM owner or bank at out-of-network ATMs, Cash deposits at over 90,000 locations of big-brand retail stores such as Walmart and CVS, service fee up to $4.95 may apply, Depositing cash at retailers like Walmart, Walgreens, and CVS (a fee of up to $4.95 may apply), Transferring money from a linked bank account, Transferring money from a linked debit card, A fully-mobile banking app with free ATMs nationwide. * Your first Monthly Membership fee will be automatically deducted from your account 30 days after you open an account. Learn more (Overdraft Protection PDF). Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Pay $0 monthly fees, and no minimum balance is required. Earn up to 2% cashback rewards on everyday purchases. Unlike most rewards debit cards, youll only earn cashback when you buy e-gift cards from select retailers from Go2Banks app or the merchants website. Overdrafts are paid at our discretion. When on a mobile device, click on * to view disclosures. See app for free ATM locations. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank, which has served more than 33 million customers over the course of 20 years. Finder.com LLC. The entire Allpoint network is much larger than that, though, so account holders will need to pay attention to make sure they are using one of the fee-free machines. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. All rights reserved. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. There are well over 19,000 free ATM locations that you can visit. Fees on your primary deposit account may reduce earnings on your savings account. GO2bank is a mobile banking division of Green Dot Corporation and doesnt have any in-person branches. It doesnt matter if you dont have good credit to open an account because there is no credit check. Set up and receive eligible direct deposits. Mobile number verification, email address verification and mobile app are required to access all features. 2. 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. Pay $0 in monthly fees, no overdraft fees and get ATM fee reimbursements. Then, select the "Withdraw fund" option and chose your preferred method. First, open your account profile. Please see your Deposit Account Agreement for limits. Asking yourself some simple questions can help you narrow down your choices. All third-party names and logos are trademarks of their respective owners. CIT Bank Savings Connect Account Nice interest earning 4.05% APY account with no monthly fees, no minimum balances, and no minimum deposits. A $3.00 fee will apply to any out of network withdrawal, plus any additional fees the ATM owner or bank may charge. When I receive my Fast Cash Advance or tax refund, can I withdraw or spend it all at once? Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. 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 . 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. If you use an ATM outside of this network, youll pay a $3 fee. 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. Approval usually takes 3 to 5 minutes but can take up to one hour. Your daily spend limit is $10,000 per day. If you purchase a GoBank package at a retail store, you will need to make your initial deposit at the time you purchase . Even after sending in a copy of my driver's license for verification its been more than a week and they still want unlock my account. 4.50% Annual Percentage Yield (APY) as of January 2023. Once your account is overdrawn, your bank will likely charge you an additional fee for every transaction you complete - many banks will charge you for up to five overdrafts in a single day, which can cost you $175 or more for making just a few small purchases while you have a negative balance! We have not included all available products or offers. That means you may have to open an account else for any funds that you have other than this cap. She received a Marketing and Management degree from Kansas State University and a Masters in Business Administration (MBA) from Baker University. All with no monthly fee or opening deposit requirement. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Additional criteria may apply which can affect your eligibility and your overdraft coverage. 4Out-of-Network ATM Withdrawal Fee** $3.00 per transaction Teller Cash Withdrawal Fee $3.00 per transaction Expedited Delivery Replacement Card Fee (for Lost, Stolen, or Damaged Card) $24.95 for replacement Card delivered on an expedited basis (generally within 4 business days). Otherwise, youll pay an overdraft fee of $5 each time. Fees apply for approved Money in Minutes transactions funded to your account. Alliant Credit Union offers competitive banking products, including: In addition to these depository accounts, Alliant offers credit cards, home loans, personal loans, vehicle loans, trust accounts, custodial accounts, and more. First Citizens Bank Free Checking stands out for its built-in finance tracking tool, Manage My Money. No monthly fees* Free ATM Network* Get your pay up to 2 days early* Overdraft protection up to $200 with opt-in and eligible direct deposits* Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. FinanceBuzz has partnered with CardRatings for our coverage of credit card products. Details about GO2bank Secured Visa Credit Card have been collected by FinanceBuzz editors. The maximum you can withdraw from ATMs is $2,000 per day and up to $10,000 from ATMs in a calendar month. New York, NY, 10016. When on a mobile device, click on * to view disclosures. GO2bank doesnt allow transfers from your GO2bank account to another account. You can use your mobile bank account with GO2 Bank to pay all your bills using its online bill pay feature. Many banks have several varieties of checking account products with a few differences between them. 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)for terms and conditions. Their customer service number is 855-459-1334. As a financial technology company and registered bank holding company, Green Dot is focused on making modern banking and money movement accessible to everyone. Anjana also holds a Business Analytics Certificate from the Wharton School. All third-party names and logos are trademarks of their respective owners. You can also lock your card using your banking app instantly if theres unusual activity. 3. 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. Yes. You can't withdraw your money by making ACH transfers or transferring money to a bank account or debit card. ZipBooks Review Is This Accounting Platform Worth Using? eGift Card merchants subject to change. Open an account: Purchase a card at a retail store, One-time purchase price of up to $2.95. The GO2bank card is light on fees, but there are a few youll want to watch out for. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. Immediately contact your local police if you experience or suspect a crime related to your account. InboxDollars Review Can You Make Real Money With This Website? The Gusto spending account is an interest-bearing bank account designed to help employees seamlessly connect payday and banking, so they can access their hard-earned wages confidently and quickly. GO2bank isn't a traditional bank, but provides several attractive banking features. 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. You must apply at Partners.Uber.com. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Credit card limits: The amount of your current credit limit; Wire transfer limits: To view your limits, start a wire transfer by selecting the from account and Save. Amazon eGfit Cards will earn you 3% cashback. Additional criteria may apply which can affect your eligibility and your overdraft coverage. GO2 Banks primary competitors are other digital-only banks. Account opened at a tax professional's office. 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. Finder is a registered trademark of Hive Empire Pty Ltd, and is used under license by Maybe its both. There is a monthly fee of $5 that can be waived for one eligible direct deposit transfer from the previous monthly statement period. You can also get reimbursed up to $10 monthly when you use a non-Allpoint ATM. Signing up for a standard GoBank account will not give you access to Uber Visa Debit Card and Instant Pay. GO2bank is a trademark of Green Dot Corporation. NO PURCHASE NECESSARY. We are facing technical difficulties right now. ** 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. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners. Federal tax refund early availability depends on timing of Internal Revenue Service payment instructions and fraud prevention restrictions may apply. APY may change before or after you open an account. Select Withdraw. Finder monitors and updates our site to ensure that what were sharing is clear, honest and current. GO2bank | The Ultimate Mobile Bank Account Get your tax refund up to 5 days early with direct deposit and a chance to win $500 - Learn more 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 You may not exceed $10,000.00 in daily transaction activity nor . Account must be in good standing and chip-enabled debit card activated to opt in. But if you make out of network withdrawals, for instance, youll be paying extra charges. All checks are subject to approval for funding in Ingo Money's sole discretion. You can cash a check using the GO2 Bank mobile banking app. However, it takes a long time before you can access your money. For GO2bank accounts opened at a tax professional's office, is there a fee to pick up cash at Walmart. 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. How do I find an ATM? See your Deposit Account Agreement for details. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. Out-of-network ATMs are subject to a $3 fee plus any fee the ATM owner or bank may charge. Overdrafts are paid at our discretion. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Last updated Banked individuals can also open an account too. and Ingo Money, Inc . Lendio Review Is This Business Loan App Legit? GO2bank is Green Dot's flagship digital bank. GO2bank is Green Dot's flagship digital bank. The future looks bright with 1% APY on savings, paid quarterly on balances up to $5,000** 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. Ultimately, you are responsible for your financial decisions. 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. Limits apply. 3. Cassidy Horton is a writer for Finder, specializing in banking and kids debit cards. For security reasons, we may limit the amount, number or type of transactions you can make on your Card and any funding or reload of your Card. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Keep in mind that account holders will have over 19,000 fee-free ATMs to choose from in the Allpoint nationwide ATM network. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. As such, the availability or timing of early direct deposit may vary from pay period to pay period. See your Deposit Account Agreement for additional details and limits and fees. Prize: $1,000 to be awarded as credit or a check. Open a GO2bank account today Open an account Legal disclaimers 1 Monthly fee waived whenever taxpayer receives a payroll or government benefits direct deposit in the previous monthly statement period. 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. Pay $0 monthly fees and no minimum balance. 1 The spending account works like a traditional checking account, but better. Fdic-Insured Bank, Green Dot Bank anjana also holds a Business Analytics Certificate from the School! 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