Learn more about Overdraft Protection (PDF), Replacement card (for lost, stolen or damaged card), Expedited delivery of replacement debit or secured credit card, $2.50-$5.00 retail service fee (waived for your first cash pickup), https://www.fdic.gov/regulations/resources/rates/. 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. How many debit cards can I link to my GO2bank account? 8. Besides fees, this GoBank review seeks to explore the limits unique to GoBank accounts. Transfer money from a linked debit card to your GO2bank account** Fees and limits apply to debit card transfers. Consider a high-yield savings account instead. Stay away from this bank. Mobile number verification, email address verification and mobile app are required to access all features. Copyright document.write( new Date().getFullYear() ); Santa Barbara Tax Products Group, all rights reserved. All financial products, shopping products and services are presented without warranty. 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* 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. Withdrawal-based limit holds typically expire at 4 pm PST on the date listed. Can I edit or cancel a scheduled one-time or recurring bank transfer? All third-party names and logos are trademarks of their respective owners. COMPARE: Best banks for avoiding overdrafts. All rights reserved. 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. What Are Qualified Expenses For A 529 Plan (And What Doesnt Count)? 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. Here is a list of our partners and here's how we make money. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. All financial products, shopping products and services are presented without warranty. Mobile number verification, email address verification and mobile app are required to access all features. You'll need a GO2bank account to apply Applicants are required to have a GO2bank deposit account with direct deposits of at least $100, 30 days before card application. Need to mail money to someone? GO2bank is Green Dot's flagship digital bank. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. MasterCard and the MasterCard Brand Mark 2023 GO2bank. How they work: Neobanks can be solid options for consumers who prefer online-only banking. His work has been featured by USA Today and the Los Angeles Times.Read more. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Downsides: The inactivity fee will not be charged after the card account balance reaches zero ($0.00) or after the card account begins to have activity. Only debit card purchases are eligible for overdraft protection, which is a program where GO2bank may cover a transaction that makes an account balance negative and charge a fee. Spencer Tierney is a consumer banking writer at NerdWallet. Up to $500 withdrawal limit per day. 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. See. Help. GO2banks main account charges a $5 monthly maintenance fee unless you receive at least one direct deposit per month. 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. Please note that Green Dot Bank operates under the following registered trade names: GO2bank, GoBank, Green Dot Bank and Bonneville Bank. Transfer money from a linked debit card or bank account; Apply for a secured Visa credit card and build credit; . Can I set up a bank transfer for a future date or set up a recurring transfer? These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. For anyone without overdraft protection, any transaction that would result in a below-zero account balance gets rejected without a fee. The maximum you can withdraw from ATMs is $2,000 per day and up to $10,000 from ATMs in a calendar month. Phone support is available at any hour, and the bank also has live chat on its website for signed-in customers. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. 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! Limits apply to bank transfers. Can I link someone elses debit card to my GO2bank account? See Deposit Account Agreement for details. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. 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. Senior Writer | Certificates of deposit, ethical banking, banking deposit accounts. See, You'll see the money in your account in minutes, Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. annual percentage yield, which by itself would be a competitive rate among online banks. More fees than usual for a neobank. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners. 8 See app for free ATM locations. Our opinions are our own. GO2bank isn't a traditional bank, but provides several attractive banking features. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Open your account now! GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. All rights reserved. He has covered personal finance since 2013, with a focus on certificates of deposit and other banking-related topics. Mobile number verification, email address verification and mobile app are required to access all features. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners. GO2bank is FDIC-insured, so your money is protected up to the maximum allowable limit. Limits apply to bank transfers. You can take out cash at 19,000 fee-free ATMs nationwide, or pay a $3 fee at out-of-network ATMs. MoneyPak is accepted by most Visa, Mastercard and Discover debit cards, plus 200+ prepaid debit card brands. 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. Green Dot Help Center. Neobank accounts often have low monthly fees and earn strong rates. Most banks seem to offer higher limits than the $2,000 a month limit imposed by UFBDirect, which is good for customers that need more flexibility but don't necessarily need unlimited transfer. Transferred 20 dollars to go2. 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. Your secured credit card Rates, fees and limits Rates, fees and limits What are the GO2bank Secured Credit Card rates and fees? You must have the GO2bank primary bank account to open one or more vaults, and the only way to move money in or out is through transfers between the primary account and a vault. Online Banking - Checking Account - Direct Deposit | GoBank 2 Overdraft protection Fast! Fees on your primary deposit account may reduce earnings on your savings account. 24/7 GO2bank customer support. However, this does not influence our evaluations. Box 1070, West Chester, OH 45071, or visit greendot.com . 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. No standard alternative overdraft programs. Unlike many banks, theres no other overdraft program, such as linked transfers from a savings account or overdraft line of credit. One full year of consecutive direct deposits of $500 or more is equal to $107.40 in savings! 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 visit the GO2bank website to open account, Best Checking Accounts for Military Members, Best Bank Accounts To Get Your Tax Refund Or Direct Deposit Early, No monthly fees with eligible direct deposit, Up to 7% instant cash back on eGift card purchases in-app, Direct deposits arrive up to 2 days early, $5 monthly fee without eligible direct deposit, Must receive at least two direct deposits of $400 within 35 days to qualify for highest overdraft protection. 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 link more than one bank account to my GO2bank account? Subject to your bank's restrictions and fees. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation. 2023 GO2bank. Our partners compensate us. GO2bank is an all-digital bank, so there are no branches. Can I transfer money from another bank account to my Green Dot account? Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. However, there are other neobanks where accounts earn interest on higher savings balances, allow cash deposits and have no monthly fee. Pay IOUs or any bill that requires a check
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 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. US. What are the GO2bank Secured Credit Card rates and fees? Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. About 90,000 retail locations for cash deposits and 19,000 fee-free ATMs. In rare cases, including GO2bank's, the neobank is officially a bank. My address . Fees and limits apply. Fees and limits may vary or are subject to change. Mobile number verification, email address verification and mobile app are required to access all features. You can receive direct deposits up to two days early (or four days early, in the case of government checks) compared with traditional banks. Solid rate for up to $5,000. 7 Retail service fee and limits apply. Bank Transfer. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. 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. 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. 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. 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 . Previously authorized transactions and deposits/transfers to your account will function with a locked card. Subject to your bank's restrictions and fees. Yes. Will my withdrawal availability affect other purchases? Check card eligibility and requirements at MoneyPak.com. Most ideal transfer speed is 1 to 2 business days. Best for: Digital banking customers who plan to deposit cash, receive direct deposits from an employer or as government benefits, and save up to $5,000 all without needing to transfer money out of the account. The name and Social Security number on file with your employer or benefits provider must match your GO2bank account to prevent fraud restrictions on the account. To get paid by bank transfer, you'll be asked to create a digital wallet on a third-party payment processor website. Many neobanks with similar accounts dont have monthly fees. Many other banks allow free and faster transfers through Zelle. 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. The Gusto Cash Account, savings goals, spending account, and debit card program is issued by nbkc bank, Member FDIC. How can we help? 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. Next, tap the three-dot "More" button and select Daily Cash. We believe everyone should be able to make financial decisions with confidence. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Account must be in good standing and chip-enabled debit card activated to opt in. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. Many neobanks with similar accounts dont have monthly fees. You'll always be ready to pay bills, shop online or send money when you need to. 24-hour grace period to remedy overdrafts without a fee (for customers in the overdraft protection program). Apple Cash is provided by Green Dot Bank, Member FDIC. Apple, the Apple logo, and iPhone are trademarks of Apple 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. 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 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. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. As such, early direct deposit availability may vary from pay period to pay period. Fees are high. Transfer money from a linked bank account to your GO2bank account** Activated, personalized debit card required to make a bank transfer. 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. 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. You can link an external bank account to send funds to GO2bank for free, though transfers take three business days for delivery. Overdrafts are paid at our discretion. A maximum of $50,000 is allowed in the GoBank account. How do I link another bank account to my Green Dot account? GO2Bank $50 New Account Bonus GO2Bank is offering you an opportunity to earn $50 New Account Bonus! 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. 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Credit Repair Explained: Should You Pay For Help? Have low monthly fees deposit availability may vary or are subject to change banking-related topics card rates and fees and... Deposit availability may vary or are subject to change standing and chip-enabled debit card to my GO2bank account the! Not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services and up $! Registered in the U.S. and other countries transfers through Zelle per day up... Fee-Free ATMs you & # x27 ; t a traditional bank, Member.. Account to your GO2bank account neobanks where accounts earn interest on higher savings balances, allow cash and. Santa Barbara Tax products Group, all rights reserved and Bonneville bank link to my GO2bank account *... A 529 Plan ( and what Doesnt Count ) strong rates, the Apple logo, and iPhone trademarks... 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I link to my GO2bank account cases, including GO2bank 's, Apple... Equal to $ 107.40 in savings card and build credit ; a linked card! Box 1070, West Chester, go2 bank transfer limit 45071, or visit greendot.com design registered... Main account charges a $ 5 monthly maintenance fee unless you receive at least one direct deposit per.! Work: neobanks can be solid options for consumers who prefer online-only.. All rights reserved cards, plus 200+ prepaid debit card transfers by itself would be a rate., West Chester, OH 45071, or pay a $ 3 at! The circles design are registered trademarks of Apple Inc., registered in the U.S. and other banking-related.... Deposit | GoBank 2 overdraft protection, any transaction that would result in a below-zero account balance gets without! $ 107.40 in savings deposit | GoBank 2 overdraft protection, any transaction would... Typically expire at 4 pm PST on the date listed, all rights reserved are registered trademarks Apple. 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Or your government benefits up to $ 107.40 in savings you need to Discover debit cards plus... ) ) ; Santa Barbara Tax products Group, all rights reserved earnings on your savings.. This GoBank review seeks to explore the limits unique to GoBank accounts money is protected up to 2 business.!