* When on a desktop, hover over * to view important disclosures. 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. Account must be in good standing and chip-enabled debit card activated to opt in. Yes. 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. Initial and ongoing direct deposits are required for overdraft coverage. Fees and daily withdrawal limits apply. Depending on your direct deposit activity, the level of coverage you receive will vary: If you direct deposit your paycheck with GO2 Bank, you can access your money up to two days early. 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! Mobile number verification, email address verification and mobile app are required to access all features. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Asking yourself some simple questions can help you narrow down your choices. MoneyPak is accepted by most Visa, Mastercard and Discover debit cards, plus 200+ prepaid debit card brands. * Your first Monthly Membership fee will be automatically deducted from your account 30 days after you open an account. Unapproved checks will not be funded to your account. They offer lower overdraft fees than what you typically see in the industry, limited to once a day. 2023 GO2bank. SeeDeposit Account Agreement (PDF)for terms and conditions. eGift Card merchants subject to change. There is a fee if you wish to cash the check immediately. General Information About Deposits & Funds Availability . The company is able to do this because of its partnership with Plaid that is connected to several different payroll services. 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. 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. Earn a bonus and 5 or 10 cents in rewards on all eligible purchases. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. Chase Secure Banking offers no overdraft services. Use your GO2bank debit card to withdraw cash for free at any Allpoint ATM nationwide. That can make help make your pay period come a little bit faster. 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. If you have a concern about security at a Bank of America ATM, please call us at 1.800.222.7511. GO2bank is the ultimate mobile banking app and debit card, packed with features to help you better manage your money and build your credit. SeeDeposit Account Agreement (PDF)for details. Overdrafts are paid at our discretion. 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., Get up to $200 in overdraft protection with the GO2bank debit card, Set up eligible direct deposits and opt in to get covered for every purchase. Additionally, GO2bank accounts include FDIC insurance for up to $250,000, similar to most traditional bank accounts. This fee is waived if you get your funds in 10 days to allow for the check to be approved. Read the full methodology of how we rate checking accounts. Premium 200 allows for a maximum of 10 overdrafts in a monthly statement period. Debit/ATM card limits: Maximum amount of total daily withdrawals and purchases. To use GO2banks cash back, follow these steps. GO2bank is Green Dot's flagship digital bank. 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. Their proprietary technology allows for faster and more efficient electronic payments and money management. Your cashback rewards will instantly deposit into your account. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Mobile number verification, email address verification and mobile app are required to access all features. 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. For ATM withdrawals made outside of the GoBank ATM network, a $3.00 fee will apply, plus any fee the ATM owner may access and $.50 for balance . Earn up to 2% cashback rewards on everyday purchases. That means that the most you can earn in the savings account is $50 a year. This card doesnt require a credit check or good credit to qualify. We keep our reviews completely factual so you can use them to make better decisions. B t comparatively, when you look at other online-only banks, theres no monthly fee in place. You will need to provide information, including your full name, address, date of birth, phone number, and Social Security, to complete the application. Press the enter key if you wish to continue and pay the surcharge fee. We may also receive payment if you click on certain links posted on our site. Premium 100** Premium 100 allows for a maximum of 10 overdrafts in a monthly statement period. Go2bank is a fraudulent company that is scamming hard working American Citizens out there income. To add money, all you have to do is bring your cash to a participating retailer, along with your debit card. Direct deposit early availability depends on timing of payors payment instructions and fraud prevention restrictions may apply. Made up of five interest-bearing accounts that are called Vaults, you can freely move your money around between them and your primary deposit account. GO2bank is a trademark of Green Dot Corporation. If these and other features align with your goals, you know youre on the right track. 3. Mobile number verification, email address verification and mobile app are required to access all features. APY may change before or after you open an account. With opt-in and eligible direct deposit. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. Available on a monthly basis, your VantageScore is a type of credit score thats used with Equifax. Approval usually takes 3 to 5 minutes but can take up to one hour. This will prompt you to enter an email address you want to use for your account. GO2bank is easy to use and designed to simplify banking, helping people save time and money and improve their financial wellbeing. In this article, we'll look at why those without a banking account might want to consider GO2bank. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Organize your business finances with 5 sub-accounts with unique account numbers. First, open your account profile. This fee is low and easy to avoid with direct deposit transfers. Daily ATM withdrawal limits typically range from $300 to $1,000 a day. The limits reset at 12 midnight Pacific Standard Time. For example, if you sign up for GO2bank, your account provides plenty of features and benefits, including high-yield savings and being able to earn cash back on eGift card purchases. Get 2 free checkbooks a year. GO2bank is Green Dot's flagship digital bank. L'accs aux quais reste possible en dehors de ces horaires. Cassidy Horton is a writer for Finder, specializing in banking and kids debit cards. Below is what you should know about GO2 Banks checking and savings account products. The bank account is targeted primarily at people who are unbanked. Signing up for a standard GoBank account will not give you access to Uber Visa Debit Card and Instant Pay. This account gives you access to an optional savings account with yields as high as 5% APY. See if you're eligible and apply by logging in to your Uber Driver Portal. show more You can withdraw money from any of the thousands of ATMs in the U.S. that bear the Visa or Pulse brand marks. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. That means you may have to open an account else for any funds that you have other than this cap. Account limitations are temporary restrictions placed on a specific account that could prevent withdrawing, sending, or receiving money. You also have the protection of FDIC insurance on your bank deposits for up to $250,000 per account. information service that aims to provide you with information to help you make better decisions. 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. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. 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. Copyright 2023, All Rights Reserved | Wealth Pursuits. Pay $0 monthly and overdraft fees, and get reimbursed for domestic ATM fees. You can only earn that 1% across the first $5,000 that you have on in your Vaults. Also get budgeting tools, early direct deposit and up to 15x cashback points. 2 Some withdrawal types,. All rights reserved. Visit the Help Center to find answers to top questions, live chat, and more. GO2bank also offers the GO2bank Secured Visa Credit Card. 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). GO2bank doesnt have in-person branches, so if you need help with their financial services youll have to reach a customer service agent through other means. 4.50% Annual Percentage Yield (APY) as of January 2023. It's the ultimate mobile bank account Open an account now with the newest member of the Green Dot family or pick up a card in a retail store near you. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Referred individual acknowledges that payment of the reward will result in the referring GO2bank accountholder's knowledge of the individual's new Account. Limits apply. 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