GO2bank: Mobile banking 4+

Ultimate mobile bank account

Green Dot Corporation

    • Free

Screenshots

Description

Don't let a big bank make you feel small. GO2bank™ is the banking app built for everyday people.

No surprise fees
Say no to monthly fees and hidden fees² and yes to keeping more of your money. No monthly fees with eligible direct deposit¹. Otherwise, $5 per month.

Early paydays and more ways to save
Get your pay up to 2 days early and government benefits up to 4 days early with direct deposit⁶. Withdraw for free at our free nationwide ATM network⁷. Earn more with an APY on savings that's well over the national savings rate average¹¹.

Built-in backup
Stay covered when you overspend with up to $200 in overdraft protection after eligible direct deposits and opt-in³.

Credit building
With the GO2bank Secured Visa® Credit Card, climbing to better credit is easier with no annual fee⁵, no credit check⁴, and no impact to your credit when you apply.

Account protection
Keep your money safe with just a tap on the app with lock/unlock your card⁸. And we'll send fraud alerts if we ever see anything shady¹⁰.

A bank you can trust
We're a Member FDIC bank and a brand of Green Dot Corporation, which means your money is federally insured⁹ and never held by a third-party bank.

Download the app to open an account or visit GO2bank.com to learn more.

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 Deposit Account Agreement at GO2bank.com/daa for fees, terms and conditions.

1. Monthly fee waived when you receive a payroll or government benefits direct deposit in the previous monthly statement period.
2. See our simple fees chart at GO2bank.com.
3. Fees, terms and conditions apply.
4. Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees may apply.
5. Annual Percentage Rate is 22.99% and is accurate as of 1/1/2024. For additional information about Annual Percentage Rates, fees and other costs, see GO2bank Secured Credit Cardholder Agreement and Security Agreement at GO2bank.com.
6. 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.
7. 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.
8. Previously authorized transactions and deposits/transfers to your account will function with a locked card.
9. 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.
10. Message and data rates apply.
11. 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 primary deposit account may reduce earnings on your savings account. APY may change before or after you open an account.
12. Early tax refund deposit applies to federal tax returns filed directly with the Internal Revenue Service (IRS) and depends on IRS timing, payment instructions and bank fraud prevention measures. The name and Social Security number on file with the IRS must match your GO2bank account to prevent fraud restrictions on the account.

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.

Technology Privacy Statement - https://www.go2bank.com/techprivacy

What’s New

Version 1.70.0

We’ve added even more retail locations where you can deposit cash to your account with the GO2bank app.

Ratings and Reviews

4.8 out of 5
43.7K Ratings

43.7K Ratings

mermercarebear ,

Better bank than most

I’ve been with GoBank for years and switched over to GO2bank. Getting my money switched was frustrating and confusing, but it worked out in the end. (I originally gave it 1 star due to the frustration, but it all fixed itself in the end.)

The only reason I’m not giving it 5 stars is because many useful financial apps like Experian or Acorn do not recognize GoBank/GO2bank. They are never listed. I can’t even request GO2bank to be added to Experian cause there’s a digit in its name. Even when I tried to connect my GoBank account to GO2bank through Plaid, nothing came up when searching it. It’s ridiculous that other companies don’t recognize it even though it’s been around a long time and I was online banking with them way before other online banks started such as Chime. I think if there is a way to fix it. It would help customers out so much.

One more small critique is I liked the simplicity of the GoBank app home page. I don’t like GO2bank’s. I’d like to be able to clearly see my account, see any savings, transfer funds, etc. in one place like GoBank.

Developer Response ,

Hello, thank you for your rating. We apologize for all the trouble you've experienced. Your feedback matters to us as we strive harder to satisfy your banking needs. Have you tried searching these banks directly on the GO2bank app? You may visit www.go2bank.com/help/moving_money/transfer_from_another_bank_account_to_go2bank/how-do-i-link-another-bank-account-to-my-go2bank-account to link a bank account using your GO2bank app. As of the moment, transferring funds from GoBank to GO2bank is not available. You can only transfer money to your GO2bank account from another bank. Should you need further assistance, you may log into your account online at www.go2bank.com/help/contact-us and click the floating "Help" icon to initiate chat assistance. -AT

Kamuela L Bannister ,

Bummed

It started out really good banking with GO2Bank. So much so that I endeavored into a GO2Bank secured Credit Card. Then I noticed twelve unauthorized transactions and opened a dispute claim. I put in the leg work and submitted a dispute packet as directed that included all supporting documents like a police report, correspondence with other parties and banking institutions that were involved, and a detailed dispute letter. The packet was submitted via USPS mail as it was the only option; so one can imagine the lengthy timeline from opening the dispute claim to finally getting GO2Bank’s response and outcomes. Well, in the end it did not go in my favor and lost hundreds of dollars.

The unfavorable dispute ordeal made me divide to change my direct deposit from GO2Bank to my other checking account. I later realized that the GO2Bank secured credit card payments could only be made from the checking account. So I aimed to utilize the Debit Card Transfer feature with GO2Bank but that isn’t going so well with transfers being rejected my funds have been held for 7 or more business days before being available. This makes making the monthly credit card payments challenging.

I am still in limbo about closing my accounts with GO2Bank but hesitant for it may influence my already low credit score. I thought using GO2Bank banking services was going to help me to improve my credit score but so far it does not seem as such.

Developer Response ,

Hi Kamuela, thanks for taking the time to leave a review. It saddens us to hear about the experience you had with our product and services. Allow us to make things right by chatting with our customer support team at www.go2bank.com/help/contact-us and select the "HELP" icon on the lower right to start a chat. Thank you! -ARP

Fish or swim: ,

Money not available to me when it was in my account

So I go to the atm to take money out of my account to pay a bill but my limit was 500 per atm transaction per day but my bill was 600 so I call customer service and he tells me that I can go into the bank with a teller and withdraw more so the teller is like oh it got declined 3times so u will have to try back tomorrow so here I am back on the phone with customer service and I was like the other customer service representative that I was on the phone with told me to go in the bank to a teller to get more money out my account and it declined so I tell him after he over talks me for 3mins I said I just called and they told me to go in the bank he says oh I’m sorry but I can connect u with the fraud dept because the computer put it as a fraud check I’m like sure can u connect me to her because I’ve been at this for a hour now so I’m on the phone yet again and she tells me I’ll fix it it will be just a moment I said I only have 30mins b4 they close and I’m done I’ll have to pay a late fee oh it will only b a minute so 20mins later she comes back on the phone and says I fixed it but u have to wait 10-15 minutes so I wait 25 mins but by this time the bill payment Ctr is closed and guess what I still wasn’t able to get any more money that day so I got charged a bunch of fees for trying to take my money out and I got a late fee from the bill company and I was late for work to boot…

Developer Response ,

Hello. We're sorry to hear about what happened, and we apologize for the experience you've had with our Customer Service team. Please note that you may withdraw up to $500 per day, and the monthly limit is $3,000 over a rolling 30 days timeframe. We are unable to increase the limits on your card. Once you reach the ATM limit, you may go inside most banks and request a teller cash withdrawal. To further assist you, please log into our website at www.go2bank.com, then click the "Chat" button to initiate a chat. We appreciate your patience and understanding. -RCE

App Privacy

The developer, Green Dot Corporation, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Supports

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