See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. He has covered personal finance since 2013, with a focus on certificates of deposit and other banking-related topics. This Deposit Account Agreement (this "Agreement") explains the fees, policies, terms, and conditions that govern your GO2bank Visa debit card ("Card") and the associated FDIC-insured, non-interest-bearing primary deposit account ("primary deposit account"), which, unless otherwise noted in this Agreement, includes the interest-bearing savings account ("Savings Account . Deposit cash nationwide. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners. Deposit cash to your card at over 100,000 participating retailers nationwide, for up to $4.95! Fast! Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. GoBank charges $3 for out-of-network ATM withdrawals and about $6 for a dozen paper checks. Can I link more than one bank account to my Green Dot account when setting up a bank transfer? Prize: $1,000 to be awarded as credit or a check. Mobile number verification, email address verification and mobile app are required to access all features. When a purchase would result in a negative balance, the bank can cover up to that amount to let the transaction go through. 4 Activated, chip-enabled GO2bank card required to purchase eGift Cards. How can we help? How many debit cards can I link to my GO2bank account? Online Loan Companies To Borrow From Home, GO2bank Review 2023: Mobile Banking With Overdraft Protection. Fees and daily withdrawal limits apply. Partner services. 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. GO2bank cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. And by Mastercard International Inc. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville 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. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. GO2bank is an all-digital bank, so there are no branches. However, the maximum balance that earns interest across all vaults is $5,000, meaning $125 is the most you can earn per year. Withdrawal-based limit holds typically expire at 4 pm PST on the date listed. He is based in Berkeley, California. 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. See, You'll see the money in your account in minutes, Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. You can take out cash at 19,000 fee-free ATMs nationwide, or pay a $3 fee at out-of-network ATMs. See Deposit Account Agreement (PDF). Mobile check deposit is either free or fast, but not both. Can I edit or cancel a scheduled one-time or recurring bank transfer? Fees on your primary deposit account may reduce earnings on your savings account. However, this does not influence our evaluations. You can spend up to $3,000 per day. Free from another bank account in 3 business days** Activated, personalized debit card required to make a bank transfer. 1. Fees and limits may vary or are subject to change. Send money to another GoBank card online or through our award-winning mobile app. Fee: Expedited Card Replacement ($10.00) Upsides (with one caveat): This feature can be appealing as a digital version of savings buckets for different money goals. Mobile-focused banking with high ratings. $5 monthly fee if you dont receive direct deposits through GO2bank. Personal information, internet access, working email address and consent to receive text messages and location information required.. Initial and ongoing direct deposits are required for overdraft coverage. Subject to your bank's restrictions and fees. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Transfer money from a linked debit card or bank account; Apply for a secured Visa credit card and build credit; . Will my withdrawal availability affect other purchases? Many or all of the products featured here are from our partners who compensate us. 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. How we rate banks, credit unions and other financial service providers, Spencer Tierney is a writer and NerdWallet's authority on certificates of deposit. Downsides: You can link an external bank account to send funds to GO2bank for free, though transfers take three business days for delivery. Free access to over 19,000 ATMs within the nationwide Allpoint network. Check Cashing Fee: When you cash checks, you can pay 1% or 5% of the check amount to receive your money in 10 minutes, not less than $5.00. 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. This includes the ATM withdrawal limit of $500 per day. Some limits to accessing funds. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. SeeDeposit Account Agreement (PDF). 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. See Deposit Account Agreement (PDF) for details. Can I transfer money from outside the U.S.? Your debit card and transactions Transactions and transaction history Your chip-enabled debit card Earn cash back with eGift Cards Using GO2bank with Google Pay Samsung Pay and Apple Pay Link your card to preferred merchants with the app Refer a friend Overdraft protection Using your virtual card Dispute a transaction Up to five savings vaults. All third-party names and logos are trademarks of their respective owners. You can send or receive money with a neighbor or someone across the country. All third-party names and logos are trademarks of their respective owners. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Downside: No ability to transfer from a GO2bank account to external bank accounts. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. This doesnt influence our evaluations or reviews. See Deposit Account Agreement (PDF)for details. Solid rate for up to $5,000. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739. 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. Is there a GO2bank Secured Credit Card annual fee? Must be 18 or older to purchase. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. Subject to your bank's restrictions and fees. 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. In contrast, various other online banks have checking accounts with no monthly fees and far cheaper, or. Please note that Green Dot Bank operates under the following registered trade names: GO2bank, GoBank, Green Dot Bank and Bonneville Bank. GO2bank is a trademark of Green Dot Corporation. rate applies only to the first $5,000 across all savings vaults, making the maximum you can earn $125 a year. Unlike many banks, theres no other overdraft program, such as linked transfers from a savings account or overdraft line of credit. Partner terms and conditions apply. GO2bank is a trademark of Green Dot Corporation. 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. How long does a debit card transfer take? Previously authorized transactions and deposits/transfers to your account will function with a locked card. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. See our clear and straightforward fees so you'll never be surprised. 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. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Is there a GO2bank Secured Credit Card annual fee? - Contact us. 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. Here is a list of our partners and here's how we make money. You'll always be ready to pay bills, shop online or send money when you need to. Best for: Digital banking customers who plan to deposit cash, receive direct deposits from an employer or as government benefits, and save up to $5,000 all without needing to transfer money out of the account. The bank also provides a secured credit card to build credit, with no credit check. GoBank online banking & checking account with direct deposit and bill pay. If you get the debit card at a store instead, itll cost you up to $2.95 to buy the plastic, and $20 is the minimum initial deposit. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. What are the GO2bank Secured Credit Card rates and fees? Many online savings accounts pay interest monthly, which helps you compound and earn more money off your balance. There's also a limited cash-back program for purchasing online gift cards. Partner terms and conditions apply. What happens if I schedule a recurring transfer for a date that doesnt occur every month, like the 31st. How can we help? See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. US. Limits apply to bank transfers. Fees and limits apply. Once your account is created, you'll be logged-in to this account. Partner terms and conditions apply. All rights reserved. SeeDeposit Account Agreement (PDF), Log in to your account at GO2bank.com or in the GO2bank app and select "Move money", Select "Debit card transfer" to link a debit card, Follow the simple instructions to complete your transfer, You'll see the money in your account in minutes** Fees and limits apply to debit card transfers. Green Dot Help Center. Theres no minimum balance to open the account online. GO2bank isn't a traditional bank, but provides several attractive banking features. Green Dots GO2bank provides mobile checking and a high savings rate, but it has a monthly fee that many similar accounts dont charge. 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. Features Establish a one-time or recurring transfer through Member Access, your local branch or our 24/7 Member Services at (888) 732-8562 Establish a one-time transfer through SECU's Mobile App or ASK SECU The Debit MasterCard Way2Go Card is issued by Comerica Bank pursuant to a license from MasterCard International Incorporated. GO2bank is Green Dot's flagship digital bank. 2023 GO2bank. Subject to your bank's restrictions and fees. Our opinions are our own. Mobile number verification, email address verification and mobile app are required to access all features. To do this, many or all of the products featured here may be from our partners. Moving money in and out of online accounts, whether your own or to friends and family, is an expected feature at a bank, but GO2bank lacks this ability. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. There are up to a dozen types of fees a person can be charged by GO2bank, including a monthly fee and an opt-in overdraft programs fee. 7 Retail service fee and limits apply. Can I get cash at an ATM using my GO2bank Secured Credit Card? Spencer Tierney is a consumer banking writer at NerdWallet. Instant transfer: If instant transfers are available on your account, you can send funds to your linked, external bank account 24 hours a day, seven days a week, for a 1.5% fee per transfer. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Log in to the GO2bank app or GO2bank.com to find a free ATM location near you. Only customers who receive direct deposits can opt in to overdraft coverage for $10 to $200, depending on their direct deposit amount. 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. Cards must be activated and personalized with the cardholders name. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Mobile number verification, email address verification and mobile app are required to access all features. Monthly fee unless you have direct deposits. Fees and limits apply. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more. Contact Green Dot Bank by calling (866) 795-7597 or the number on the back of your Card, by mail at P.O. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Fees and limits may vary or are subject to change. 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? Free ATM network. Online Banking - Checking Account - Direct Deposit | GoBank Save time with GO2bank A great way to receive your refund Loaded with benefits Great for tax time and all year long No monthly fees With eligible direct deposit, otherwise $5 per month. 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. Green Dot made me switch to Go2 bank. , working email address and consent to receive text messages and location information required Inc., registered in U.S.. Your primary deposit account may reduce earnings on your savings account be from our partners who compensate.... 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