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Help
 * Help Center
 * FAQs
 * Quick help guides
 * How-to videos
 * Chat with an agent
 * Blog
 * Contact us
 * Fraud protection
 * Identity theft protection

Log in
Activate your card
Activate your card
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 * Help Center
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 * Quick help guides
 * How-to videos
 * Chat with an agent
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 * Fraud protection
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 * Home
 * Features
   * Overdraft protection
   * High-yield savings
   * Protect your money
   * Get the app
   * Refer a friend
 * Move money
   * Deposit options
   * Direct deposit
   * Deposit cash
   * Transfer money
   * Cash a check
   * Deposit tax refund
 * Build credit
   * Secured credit card
   * Credit Care Advantage
 * About us
 * Partner services

Help
 * Help Center
 * FAQs
 * Quick help guides
 * How-to videos
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 * Blog
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 * Fraud protection
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Activate your card
Activate your card
Help
 * Help Center
 * FAQs
 * Quick help guides
 * How-to videos
 * Chat with an agent
 * Blog
 * Contact us
 * Fraud protection
 * Identity theft protection

Open an account


the ultimate mobile bank account

the ultimate mobile bank account

Unlock up to $200
in overdraft protection

Unlock up to $200
in overdraft protection

with opt-in and eligible direct deposits** Opt-in required. Account must be in
good standing and chip-enabled debit card activated to opt in. Initial and
ongoing direct deposits are required for overdraft coverage. Additional criteria
may apply which can affect your eligibility and your overdraft coverage.
Overdrafts are paid at our discretion. Overdraft fees may cause your account to
be overdrawn by an amount that is greater than your overdraft coverage. A $15
fee may apply to each eligible purchase transaction that brings your account
negative. 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. Learn more (Overdraft Protection PDF).

with opt-in and eligible direct deposits** Opt-in required. Account must be in
good standing and chip-enabled debit card activated to opt in. Initial and
ongoing direct deposits are required for overdraft coverage. Additional criteria
may apply which can affect your eligibility and your overdraft coverage.
Overdrafts are paid at our discretion. Overdraft fees may cause your account to
be overdrawn by an amount that is greater than your overdraft coverage. A $15
fee may apply to each eligible purchase transaction that brings your account
negative. 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. Learn more (Overdraft Protection PDF).

Open an account
Open an account

Activate your card

Activate your card








Opt-in required. Account must be in good standing and chip-enabled debit card
activated to opt-in. Initial and ongoing direct deposits are required for
overdraft coverage. Additional criteria may apply which can affect your
eligibility and your overdraft coverage. Overdrafts are paid at our discretion.
Overdraft fees may cause your account to be overdrawn by an amount that is
greater than your overdraft coverage. A $15 fee may apply to each eligible
purchase transaction that brings your account negative. 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 Learn more (Overdraft Protection PDF).







 * Get your pay early
 * Say no to fees
 * Stay covered
 * Keep your money safe
 * Build your credit


GET YOUR PAY EARLY

Get your pay up to 2 days early

Get your government benefits up to 4 days early.** Early direct deposit
availability depends on payor type, timing, payment instructions, and bank fraud
prevention measures. As such, early direct deposit availability may vary from
pay period to pay period.  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. Plus, direct deposit unlocks exclusive perks!

Learn more




SAY NO TO FEES

No monthly fees

with eligible direct deposit, otherwise $5 per month** Monthly fee waived
whenever you receive a payroll or government benefits direct deposit in the
previous monthly statement period. Otherwise $5 per month.

No hidden fees

See our simple fees




STAY COVERED

Overdraft protection up to $200

with opt-in and eligible direct deposit** Opt-in required. Account must be in
good standing and chip-enabled debit card activated to opt in. Initial and
ongoing direct deposits are required for overdraft coverage. Additional criteria
may apply which can affect your eligibility and your overdraft coverage.
Overdrafts are paid at our discretion. Overdraft fees may cause your account to
be overdrawn by an amount that is greater than your overdraft coverage. A $15
fee may apply to each eligible purchase transaction that brings your account
negative. 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. Learn more (Overdraft Protection PDF).

We've got your back and will cover you based on your deposits.

Learn more




KEEP YOUR MONEY SAFE

Keep the money in your account safe





Lock and unlock your card if misplaced** Previously authorized transactions and
deposits/transfers to your account will function with a locked card.





Fraud alerts via text message** Message and data rates may apply.





Chip-enabled card for extra protection




Learn more





BUILD YOUR CREDIT

Build your credit with the GO2bank Secured Visa® Credit Card





NO annual fee** Annual Percentage Rate is 22.99% and is accurate as of
12/1/2022. For additional information about Annual Percentage Rates, fees and
other costs, see the GO2bank Secured Credit Cardholder Agreement and Security
Agreement (PDF).. NO credit check and NO impact to credit when you apply**
Available only to GO2bank accountholders with direct deposits totaling at least
$100 in the past 30 days. Eligibility criteria applies. Other fees apply.





Automatic reporting to 3 credit bureaus





FREE monthly credit score powered by Equifax®




Learn more






See why people love us 







Mindy

Awesome service! I direct deposit my check and get paid 2 days before all my
coworkers! The website is easy to work with. So happy I found this card!



Mr. Jonquil

I have been a customer of GO2bank since Fall of 2021. My experience with GO2bank
has been exceptional and hassle-free from the outset. Customer service is above
par compared with other financial institutions; the app is very easy to use.



Peanutt

Love this bank. First time I’ve been eligible for the secured credit card to
help build my credit. Amazing card to help out when needed.



Jayash

This is THE BEST banking app ever!!! And the customer service is AMAZING!!! This
is the only bank card I will ever use, PLUS they help you get a second card
through them that helps build up your credit!!!! How awesome is that!!



Bob Sr.

I am 100% satisfied with GO2bank. The GO2bank app has worked flawlessly and is
the best app I have used for online banking. I Highly recommend GO2bank.



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See why people love us 

Scan to download the
GO2bank app







Mindy

Awesome service! I direct deposit my check and get paid 2 days before all my
coworkers! The website is easy to work with. So happy I found this card!



Mr. Jonquil

I have been a customer of GO2bank since Fall of 2021. My experience with GO2bank
has been exceptional and hassle-free from the outset. Customer service is above
par compared with other financial institutions; the app is very easy to use.



Peanutt

Love this bank. First time I’ve been eligible for the secured credit card to
help build my credit. Amazing card to help out when needed.



Jayash

This is THE BEST banking app ever!!! And the customer service is AMAZING!!! This
is the only bank card I will ever use, PLUS they help you get a second card
through them that helps build up your credit!!!! How awesome is that!!



Bob Sr.

I am 100% satisfied with GO2bank. The GO2bank app has worked flawlessly and is
the best app I have used for online banking. I Highly recommend GO2bank.



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See why people love us 







Mindy

Awesome service! I direct deposit my check and get paid 2 days before all my
coworkers! The website is easy to work with. So happy I found this card!



Mr. Jonquil

I have been a customer of GO2bank since Fall of 2021. My experience with GO2bank
has been exceptional and hassle-free from the outset. Customer service is above
par compared with other financial institutions; the app is very easy to use.



Peanutt

Love this bank. First time I’ve been eligible for the secured credit card to
help build my credit. Amazing card to help out when needed.



Jayash

This is THE BEST banking app ever!!! And the customer service is AMAZING!!! This
is the only bank card I will ever use, PLUS they help you get a second card
through them that helps build up your credit!!!! How awesome is that!!



Bob Sr.

I am 100% satisfied with GO2bank. The GO2bank app has worked flawlessly and is
the best app I have used for online banking. I Highly recommend GO2bank.



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Free ATMs near you

Withdraw cash for free at thousands of ATMs nationwide** See app for free ATM
locations. $3 for out-of-network withdrawals, plus any additional fees the ATM
owner or bank may charge. Limits apply.





Earn over 10x the national savings rate average

High-yield savings account, 4.50% APY paid quarterly on savings 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. Fees on
your primary deposit account may reduce earnings on your savings account. 4.50%
Annual Percentage Yield (APY) as of April 2023. APY may change before or after
you open an account. See Deposit Account Agreement (PDF) for terms and
conditions. The average national savings account interest rate of 0.39% is
determined by the FDIC as of 4/18/23. 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. Savings
account rates are based on the $2,500 product tier of insured depository
institutions for which data is available.
Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.





Earn up to 7% instant cash back

when you buy eGift Cards from over 100 popular merchants in the app.**
Activated, chip-enabled debit card required to purchase eGift Cards. Active
GO2bank account required to receive eGift Cards. eGift Card merchants subject to
change. See Deposit Account Agreement (PDF) for details. 

 





Cash a check from the comfort of home

Get your money in minutes or in 10 days. Just snap a pic with your mobile
device.** Activated, chip-enabled debit card required to use Ingo Money check
cashing service. Ingo Money is a service provided by First Century Bank, N.A.
and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms &
Conditions and Privacy Policy. Limits apply. Approval usually takes 3 to 5
minutes but can take up to one hour. All checks are subject to approval for
funding in Ingo Money's sole discretion. Fees apply for approved Money in
Minutes transactions funded to your account. Unapproved checks will not be
funded to your account. Ingo Money reserves the right to recover losses
resulting from illegal or fraudulent use of the Ingo Money Service. Your
wireless carrier may charge a fee for data usage. Additional transaction fees,
costs, terms and conditions may be associated with the funding and use of your
card or account. See Deposit Account Agreement (PDF) for details. Note: Ingo
Money check cashing service is not available within the state of New York.





Deposit cash at a local retailer

Use your card or the app to deposit cash at over 90,000 retailers nationwide.**
Retail service fee and limits apply. See Deposit Account Agreement (PDF) for
details.





The GO2bank app

The ultimate mobile banking experience







The GO2bank app

The ultimate mobile banking experience

Scan to
download








It takes just 2 minutes to

get your pay up to 2 days early** Early direct deposit availability depends on
payor type, timing, payment instructions, and bank fraud prevention measures. As
such, early direct deposit availability may vary from pay period to pay period. 
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.

Open an account




It takes just 2 minutes to

get your pay up to 2 days early** Early direct deposit availability depends on
payor type, timing, payment instructions, and bank fraud prevention measures. As
such, early direct deposit availability may vary from pay period to pay period. 
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.

Open an account





Monthly fee waived whenever you receive a payroll or government benefits direct
deposit in the previous monthly statement period. Otherwise $5 per month.



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. Fees on
your primary deposit account may reduce earnings on your savings account. 4.50%
Annual Percentage Yield (APY) as of April 2023. APY may change before or after
you open an account. See Deposit Account Agreement (PDF) for terms and
conditions. The average national savings account interest rate of 0.39% is
determined by the FDIC as of 4/18/23. 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. Savings
account rates are based on the $2,500 product tier of insured depository
institutions for which data is available. Visit
https://www.fdic.gov/regulations/resources/rates/ to learn more.



Product issued by third party bank, who is a Member FDIC.



Activated, chip-enabled debit card required to use Ingo Money check cashing
service. Ingo Money is a service provided by First Century Bank, N.A. and Ingo
Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions
and Privacy Policy. Limits apply. Approval usually takes 3 to 5 minutes but can
take up to one hour. All checks are subject to approval for funding in Ingo
Money's sole discretion. Fees apply for approved Money in Minutes transactions
funded to your account. Unapproved checks will not be funded to your account.
Ingo Money reserves the right to recover losses resulting from illegal or
fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee
for data usage. Additional transaction fees, costs, terms and conditions may be
associated with the funding and use of your card or account. See Deposit Account
Agreement (PDF) for details. Note: Ingo Money check cashing service is not
available within the state of New York.



Previously authorized transactions and deposits/transfers to your account will
function with a locked card.



Message and data rates may apply.



The GO2bank account comes with a Visa Debit card. If you open an account online,
there is no fee or minimum balance requirement. If you open an account by
getting a GO2bank debit card in a store, then there is a purchase fee and an
initial deposit of $20 - $500 required.



Opt-in required. Account must be in good standing and chip-enabled debit card
activated to opt-in. Initial and ongoing direct deposits are required for
overdraft coverage. Additional criteria may apply which can affect your
eligibility and your overdraft coverage. Overdrafts are paid at our discretion.
Overdraft fees may cause your account to be overdrawn by an amount that is
greater than your overdraft coverage. A $15 fee may apply to each eligible
purchase transaction that brings your account negative. 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 Learn more (Overdraft Protection PDF).



See app for free ATM locations. $3 for out-of-network withdrawals, plus any
additional fees the ATM owner or bank may charge. Limits apply.



Activated, chip-enabled debit card required to purchase eGift Cards. Active
GO2bank account required to receive eGift Cards. eGift Card merchants subject to
change. See Deposit Account Agreement (PDF) for details. 



Funds are protected from unauthorized transactions on successfully activated
cards. Prompt notice is required.



Early direct deposit availability depends on payor type, timing, payment
instructions, and bank fraud prevention measures. As such, early direct deposit
availability may vary from pay period to pay period. 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.



Available only to GO2bank accountholders with direct deposits totaling at least
$100 in the past 30 days. Eligibility criteria applies. Other fees apply.



Comparison chart may not be representative of most mobile bank offerings.



Retail service fee and limits apply. See Deposit Account Agreement (PDF) for
details



Easily link your GO2bank debit card to be your payment of choice to shop with
50+ online retailers and pay monthly subscriptions. GO2bank uses Q2 software,
Inc. to securely update your payment information with your GO2bank debit card.



Fees and limits apply to debit card transfers. See Deposit Account Agreement
(PDF)



See Deposit Account Agreement (PDF).




Offer not transferrable to other accounts or accountholders. Offer available
only for first-time direct depositing customers. To become eligible for free
phone, your GO2bank account must be in good standing and your direct deposit of
$200 or more must be from payroll, government benefits or unemployment benefits
and post to your account between 7/14/21 and 3/15/22. Eligible customers will be
sent an email to the address on file with a link to a webpage where you can
order your phone. Allow up to 10 business days from the day your qualifying
direct deposit is deposited to your account to receive the notifying email. Free
phone requires payment of $100 for first two months of service, plus shipping.
No annual contract required. Payment requires a valid debit or credit card with
verified billing address. Service includes talk, text and data and is subject to
terms. State and local taxes/fees may apply. Offer, device and plan are subject
to change. Service may not be available in all markets. Rules and other
restrictions apply. Void where prohibited or restricted by law. Limited time
offer and only valid in the U.S. Available while supplies last. See order page
for complete and current offer details. The Android™ robot is reproduced or
modified from work created and shared by Google and used according to terms
described in the Creative Commons 3.0 Attribution license.



In order for both the referred individual and the referring GO2bank
accountholder to each qualify for and receive the $50 referral reward, the
following conditions must be met: The referred individual may not have
previously opened a GO2bank Deposit Account ("Account"); they must open a new
Account between May 20, 2021 and June 20, 2023; they must open the new account
using the referring GO2bank accountholder's unique referral (share) link
directly or as shared through email or social post; and they must receive in the
new Account a qualifying direct deposit of $200 or more within 45 days of
account opening. The qualifying direct deposit must be made by the referred
individual's employer, payroll provider, government benefits, or unemployment
benefits payor by Automated Clearing House (ACH) deposit. Bank ACH transfers,
debit card transfers, verification or trial deposits from financial
institutions, tax refund deposits, mobile check cashing, and cash deposits are
not qualifying deposit activities. Referring GO2bank accountholder and referred
individual GO2bank accounts must both be in good standing to be eligible for and
receive a reward. The reward is paid to each party within 48 hours after
qualifying funds are first deposited into the referred individual's new Account.
New and referring GO2bank accountholders may earn no more than $1,500 in
referral rewards per calendar year (January 1 - December 31). Referred
individual acknowledges that payment of the reward will result in the referring
GO2bank accountholder's knowledge of the individual's new Account. GO2bank
reserves the right to cancel or modify the terms of the referral reward offer or
terminate the member's eligibility at any time with or without prior notice. All
referral rewards will be reported on form 1099-INT to the IRS.




Exclusively for selected GO2bank accounts invited to this offer. Offer not
transferrable to other accounts or accountholders. Offer not valid on GO2bank
Debit Cards purchased in retail stores. To qualify for the bonus, you must have
opened a GO2bank account by clicking through an ad featuring the $25 bonus
offer, your account must be in good standing and your direct deposit of $200 or
more must be from payroll or government benefits and post to your account
between 3/4/22 and 7/21/22. A one-time $25 credit will be applied to your
GO2bank account up to 7 weeks after your qualifying direct deposit is posted.
Limit one credit per customer.



Exclusively for selected GO2bank accounts invited to this offer. Offer not
transferrable to other accounts or account holders. Offer not valid on GO2bank
Debit Cards purchased in retail stores. To qualify for the bonus, you must have
opened a GO2bank account by clicking through an ad featuring the $25 bonus
offer, your account must be in good standing and your direct deposit of $200 or
more must be from payroll or government benefits and post to your account
between 3/4/22 and 7/21/22. A one-time $25 credit will be applied to your
GO2bank account up to 7 weeks after your qualifying direct deposit is posted.
Limit one credit per customer



©2017-2023 and TM, NerdWallet, Inc. All Rights Reserved.



See our simple fees chart

 




Annual Percentage Rate is 22.99% and is accurate as of 12/1/2022. For additional
information about Annual Percentage Rates, fees and other costs, see the GO2bank
Secured Credit Cardholder Agreement and Security Agreement (PDF).





Account

Open an account
Activate your card
Get the app
Find in stores
Direct deposit
Build credit
Refer a friend

Resources

Help Center
FAQs
Quick help guides
Contact us
Blog
About us
Site map
Partner services

Legal

Account agreements
Technology privacy statement (PDF)
Site terms of use (PDF)
Overdraft protection notice (PDF)
Ad choices (PDF)
Law enforcement



* When on a desktop, hover over * to view important disclosures. When on a
mobile device, click on * to view disclosures.

Online access, mobile number verification (via text message) and identity
verification (including SSN) are required to open and use your account. Mobile
number verification, email address verification and mobile app are required to
access all features. See GO2bank Deposit Account Agreement (PDF) and GO2bank
Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms
and conditions.


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.

GO2bank is Green Dot's flagship digital bank. Green Dot has serviced more than
33 million consumers directly over the last 22 years, and many millions more
through our banking partners.

GO2bank also operates under the following registered trade names: Green Dot
Bank, GoBank and Bonneville Bank. All of these registered trade names are used
by, and refer to, a single FDIC-insured bank, Green Dot Bank. 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.

All third-party names and logos are trademarks of their respective owners. These
owners are not affiliated with GO2bank and have not sponsored or endorsed
GO2bank products or services.

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. Partner terms and conditions
apply.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in
the U.S. and other countries. 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.

©2023 GO2bank. GO2bank is a trademark of Green Dot Corporation. All rights
reserved.

NO PURCHASE NECESSARY. 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. Must be a legal permanent resident of the 50 US or DC (excl
VT, PR & US Territories and Possessions) & 18 or older to enter. Prize: $1,000
to be awarded as credit or a check. Void where prohibited.



Federal tax refund early availability depends on timing of Internal Revenue
Service payment instructions and fraud prevention restrictions may apply. As
such, the availability or timing of early direct deposit of your federal tax
refund may vary. 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.