Fees and limits may vary or are subject to change. You will create a 4-digit PIN (personal identification number) when you activate your GO2bank debit card. Otherwise, youll pay an overdraft fee of $5 each time. Otherwise $5 per month. Send money to friends and family fee-free (up to a $2,000 monthly limit) Access to 60,000+ fee-free ATMs nationwide Disable transactions if your card is lost or stolen Free debit card. That means you may have to open an account else for any funds that you have other than this cap. How do I find an ATM? 2 Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. Finder monitors and updates our site to ensure that what were sharing is clear, honest and current. All rights reserved. You can reach a customer service agent by phone seven days a week, from 5am to 9pm PT. In the age of fintech, mobile banking is quickly becoming the go-to option for people who dont feel the need to go to an in-person branch at a traditional bank. Select Withdraw. Mobile number verification, email address verification and mobile app are required to access all features. Asking yourself some simple questions can help you narrow down your choices. If you dont wish to completely manage your account online, want a base ATM network, or want to open an account for more traditional financial products, GO2 Bank might not be your answer. Get ATM free reimbursements at all domestic ATMs. What do I do if I have a question about my Fast Cash Advance or tax refund? Limits apply. GO2bank is the ultimate mobile banking app and debit card, packed with features to help you better manage your money and build your credit. Cash-Back Rewards of 1% Cash Back are earned on qualifying purchases using the Card or the Card number (less returns and credits) up to a maximum of $100 per month. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. Your wireless carrier may charge a fee for data usage. You can also make cash deposits at retail stores nationwide. No monthly fees* Free ATM Network* Get your pay up to 2 days early* Overdraft protection up to $200 with opt-in and eligible direct deposits* Additional criteria may apply which can affect your eligibility and your overdraft coverage. Note that the maximum withdrawal is $10.000. We may receive compensation from our partners for placement of their products or services. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Recipients who choose to withdraw cash at a bank teller will be able to do so by visiting any participating bank or credit union. But what benefits and features can you expect? These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. With $0 account fees, $0 overdraft fees and $0 minimum balances, Relays business checking account and money management platform offer an affordable online banking solution to get your business off the ground. GO2bank is Green Dot's flagship digital bank. But there are others who could benefit from a GO2 Bank account too. 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. This monthly fee is waived if you have at least one direct deposit into the bank account each month. SeeDeposit Account Agreement (PDF)for details. The minimum daily cash withdrawal limit is 100 and maximum limit is 20,000. 32 East 31st Street, 4th Floor, GO2 Bank is very transparent of its charges, such as overdraft fees. $15 fee may apply for each purchase transaction not repaid within 24 hours of authorization of first transaction that overdraws account. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Customer service reps can also be reached via live chat that GO2 Bank has available for customers who are logged into their website. Daily ATM withdrawal limits typically range from $300 to $1,000 a day. You can create up to five savings vaults in your GO2bank account and use them to save for anything from emergencies to your next vacation. O2 Bank has partnered with almost 90,000 stores, including Walmart, Walgreens, Dollar General, and CVS Pharmacy. Anjana also holds a Business Analytics Certificate from the Wharton School. See our clear and straightforward fees, so youll never be surprised. to open an account online** The GO2bank account comes with a Visa Debit card. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. The average national savings account interest rate of 0.30% is determined by the FDIC as of 1/11/23. 2023 GO2bank. Anjana Paul is a financial writer with extensive education and experience in the financial industry. They have other 80,000 free locations available on their ATM network. GO2bank is a trademark of Green Dot Corporation. Chase Secure Banking offers no overdraft services. If you close your credit card in the future, any money thats left there will be returned to you. We keep our reviews completely factual so you can use them to make better decisions. Their line of consumer and business products includes debit, prepaid, checking, credit, payroll cards. 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. All rights reserved. Yes. Already have a GO2bank account? and Ingo Money, Inc . 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. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. No opening deposit or minimum balance requirement. You can only earn that 1% across the first $5,000 that you have on in your Vaults. The interest rate on the savings account is currently at a 1% annual percentage yield. For all GoBank accounts, you must be at least 18 years of age. Punjab National Bank Metro cities are allowed 3 free ATM withdrawals while other cities can get up to 5 free withdrawals through debit cards. To add money, all you have to do is bring your cash to a participating retailer, along with your debit card. Online transfers through Chime are limited to $200 a day. 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. GO2bank.com has an online chat feature in the bottom right corner of most pages where a specialist can help answer your questions. Pair with Upgrades savings account to earn 3.75% APY. Account opened at a tax professional's office. GO2bank is a division of Green Dot Bank, which operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Limits apply*. Account must be in good standing and chip-enabled debit card activated to opt in. High dollar limitations for ACH transfers - When pushing money from CIT Bank to an external account, your daily limit can be as high as $250K per day. Like GO2 Bank, your pay period can get there earlier, up to 2 days, with direct deposit. When I receive my Fast Cash Advance or tax refund, can I withdraw or spend it all at once? Partner terms and conditions apply. Get free ACH and payment processing, as well as unlimited ATM fee reimbursements. Banked individuals can also open an account too. Some of these benefits have some restrictions tied to them, which we would like to see changed in the future. Other products and services may be offered for a fee and may require additional customer verification as well as your acceptance of those applicable fees, terms and conditions. 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. See how you can save the day and your budget with GO2bank Open an account No monthly fees with eligible direct deposit, otherwise $5 per month * No hidden fees See our simple fees No minimum balance required to open an account online * Earn 10x the national savings rate average GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Unlike most rewards debit cards, youll only earn cashback when you buy e-gift cards from select retailers from Go2Banks app or the merchants website. SeeDeposit Account Agreement (PDF)for details. Then, select the "Withdraw fund" option and chose your preferred method. Compensation may impact where offers appear. These early direct deposit benefits can be useful to get access to your funds faster. 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. Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Active GO2bank account required to receive an eGift Card. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions and Privacy Policy. Prize: $1,000 to be awarded as credit or a check. They might be too busy or perhaps they enjoy the convenience of being able to manage their finances from a mobile device. Current Bank Review Is It The Ultimate Online Banking Experience? New York, NY, 10016. Mobile number verification, email address verification and mobile app are required to access all features. finder.com is a financial comparison and information service, not a bank or product provider, We cannot provide you with personal advice or recommendations, full methodology of how we rate checking accounts. 4.50% Annual Percentage Yield (APY) as of January 2023. GO2 Bank Review Is This Service Worth Using? 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