In rare cases, including GO2bank's, the neobank is officially a bank. 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 trademark of Green Dot Corporation. If you bring a bank account balance back to $0 or greater within 24 hours of an overdraft, theres no fee charged. Number of Links to External Account - In order to initiate transfers, you must set up a link to an external account. Is there a limit on the amount I can transfer from my linked debit card to my GO2bank account. 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/. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. When evaluating offers, please review the financial institutions Terms and Conditions. Your daily spend limit is $10,000 per day. 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. How can we help? Overdraft fees can add up: $15 per instance, up to 10 per quarter. 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. Our partners cannot pay us to guarantee favorable reviews of their products or services. Add Money. Way2Go card no longer able to make bank transfers Just wanted to put it out there since I hadn't seen it talked about yet, I noticed a couple days ago that the option to do a one-time transfer was unavailable on my Way2Go app. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more. 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. Transfer payments take just 48 hours. 2. 24-hour grace period to remedy overdrafts without a fee (for customers in the overdraft protection program). Many online savings accounts pay interest monthly, which helps you compound and earn more money off your balance. The stars represent ratings from poor (one star) to excellent (five stars). 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. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. 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. Simply ask the cashier to deposit cash directly to your card at the register. Otherwise $5 per month. How we rate banks, credit unions and other financial service providers, Spencer Tierney is a writer and NerdWallet's authority on certificates of deposit. 1 Get pay early Get your pay up to 2 days early or your government benefits up to 4 days early with direct deposit. 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. Downside: Do not sell or share my personal information. 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. Void where prohibited. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Online Banking - Checking Account - Direct Deposit | GoBank Pre-qualified offers are not binding. This information may be different than what you see when you visit a financial institution, service provider or specific products site. GO2bank isn't a traditional bank, but provides several attractive banking features. All financial products, shopping products and services are presented without warranty. My address . When I receive my Fast Cash Advance or tax refund, can I withdraw or spend it all at once? See Deposit Account Agreement (PDF) for details. best banks and credit unions for mobile banking. Can I get cash at an ATM using my GO2bank Secured Credit Card? Can I transfer money from outside the U.S.? Open an account Welcome to the GO2bank Help Center How can we help? All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Send money to another GoBank card online or through our award-winning mobile app. 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. Limits apply to bank transfers. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. GO2bank is an all-digital bank, so there are no branches. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Can I get cash with my GO2bank Secured Credit Card? 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. You can receive direct deposits up to two days early (or four days early, in the case of government checks) compared with traditional banks. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners. Partner terms and conditions apply. Can I transfer money from anotherbank account to my GO2bank account? Theres no minimum balance to open the account online. 8. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Deposit cash to your card at over 100,000 participating retailers nationwide, for up to $4.95! 4 Activated, chip-enabled GO2bank card required to purchase eGift Cards. 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. You'll then be paid from Pinecone Research into that wallet. Our partners compensate us. Within minutes, your funds will be available in your account. 8 See app for free ATM locations. GoBank charges $3 for out-of-network ATM withdrawals and about $6 for a dozen paper checks. Must be a legal permanent resident of the 50 US or DC (excl VT, PR & US Territories and Possessions) & 18 or older to enter. Mobile number verification, email address verification and mobile app are required to access all features. NerdWallet strives to keep its information accurate and up to date. Green Dot Help Center. Green Dot cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Downsides: However, the maximum balance that earns interest across all vaults is $5,000, meaning $125 is the most you can earn per year. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Consider a high-yield savings account instead. 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. Must be 18 or older to purchase. See your Deposit Account Agreement for details. 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. Will my withdrawal availability affect other purchases? 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. Once your account is created, you'll be logged-in to this account. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. You can send or receive money with a neighbor or someone across the country. Upsides: One full year of consecutive direct deposits of $500 or more is equal to $107.40 in savings! 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. You can load up to $2,500 per day and the maximum load is $1,100 per transaction or load. Fees and limits may vary or are subject to change. 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. GO2bank is an all-digital bank, so there are no branches. 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 Secured Credit Card 8 Reviews Secured Credit Card Min Deposit of $100 One-Time Fees $0 Regular APR 22.99% annual fee $0 monthly fee $0 minimum credit Bad Credit Hide Details Want more credit card options? 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. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Limits apply to bank transfers. Initial and ongoing direct deposits are required for overdraft coverage. Help Move money Transfer from another bank account to GO2bank Transfer from another bank account to GO2bank Can I transfer money from another bank account to my GO2bank account? See Deposit Account Agreement (PDF) for terms and conditions. You can spend up to $3,000 per day. The scoring formulas take into account multiple data points for each financial product and service. Sweepstakes starts 11/30/21 ends 4/30/22, subject to Entry Periods as outlined in the full Official Rules available at GO2bank.com/50KTax. See Deposit Account Agreement (PDF) for details. 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. Like the firms first banking enterprise, GoBank, GO2bank has a checking account with separate savings subaccounts called vaults. All third-party names and logos are trademarks of their respective owners. Mobile number verification, email address verification and mobile app are required to access all features. Limited scope for coverage. You can receive direct deposits up to two days early (or four days early, in the case of government checks) compared with traditional banks. App Store is a service mark of Apple Inc. 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Credit Repair Explained: Should You Pay For Help? Ratings are rounded to the nearest half-star. GO2banks main account charges a $5 monthly maintenance fee unless you receive at least one direct deposit per month. 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. Partner services. Learn more(Overdraft Protection PDF). 2023 GO2bank. Our opinions are our own. Consider these details before opening an account. Most services are online. Transfer from another debit card to GO2bank. Withdrawal-based limit holds typically expire at 4 pm PST on the date listed. This includes the ATM withdrawal limit of $500 per day. Is there a GO2bank Secured Credit Card annual fee? Can I transfer money from outside the U.S.? Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. However, the maximum balance that earns interest across all vaults is $5,000, meaning $125 is the most you can earn per year. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. * When on a desktop, hover over * to view important disclosures. Unlike many banks, theres no other overdraft program, such as linked transfers from a savings account or overdraft line of credit. The 4.50% rate applies only to the first $5,000 across all savings vaults, making the maximum you can earn $125 a year.. * When on a desktop, hover over * to view important disclosures. Your wireless carrier may charge a fee for data usage. Balance not sent instantly will be sent on your normal schedule. Can I edit or cancel a scheduled one-time or recurring bank transfer? 1. Send cash quickly and conveniently to almost anyone, anywhere in the U.S. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Most ideal transfer speed is 1 to 2 business days. Can I link more than one bank account to my Green Dot account when setting up a bank transfer? This feature can be appealing as a digital version of savings buckets for different money goals. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739. 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. Transfer limits and timelines Initiate or cancel a transfer Add your bank account or debit card to transfer funds Account and routing numbers Manage your debit card Dispute a transaction Lifetime access Mobile app 1. 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. Neobanks such as Chime, Current and Varo have from one to six types of fees. There is a $15 overdraft fee on overdrafts over $5, however Go2Bank will waive the fees if you bring your account back to a positive balance within 24 hours of your first overdraft transaction. 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. Limits apply. All third-party names and logos are trademarks of their respective owners. GO2bank is the ultimate mobile banking app and debit card, packed with features to help you better manage your money and build your credit.