See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. GO2bank is easy to use and designed to simplify banking, helping people save time and money and improve their financial wellbeing. As an online bank, you wont have access to any physical branch locations with GO2 Bank. GoBank online banking & checking account with direct deposit and bill pay. Member FDIC. eGift Card merchants subject to change. The monthly fees, minimums, and other subtle but important distinctions between these accounts can be frustrating for the average consumer, which is why mobile banking has become a popular alternative to traditional banks. Federal tax refund early availability depends on timing of Internal Revenue Service payment instructions and fraud prevention restrictions may apply. Visit one of our free ATMs near you to withdraw cash from your account. Follow the prompts to verify your identity and open your account. This fee is low and easy to avoid with direct deposit transfers. Note that the maximum withdrawal is $10.000. PersonalLoans.com Review Should Borrowers Use This Site. If your direct deposit information isn't on file with the IRS, don't expect to receive your third stimulus check in your bank account. SeeDeposit Account Agreement (PDF)for terms and conditions. Fees and daily withdrawal limits apply. Only one card will be provided per family, and the US. Credit Unions tend to offer lower fees and better rates on savings than banks. 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. Fees may apply. Finder.com LLC. You can spend up to $3,000 per day. Visit the Help Center to find answers to top questions, live chat, and more. Active GO2bank account required to receive eGift Cards. If you wish to mail GO2 Bank, you can by sending snail mail to the following address: GO2bank, P.O. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. Plus, you can avoid paying overdraft fees and monthly fees by meeting their requirements. Use this table to compare GO2bank to other popular accounts. The savings account withdrawal limit is no more than six per month and applies to transactions such as overdraft and bill-pay transfers and debit card transactions. 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. 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. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Its $3 to make out of network withdrawals, a 1.5% fee for debit card transfers, and cash deposits to their retailer partners cost $4.95. Visithttps://www.fdic.gov/regulations/resources/rates/to learn more. Always read the ATM screen messages carefully. The content on Wealth Pursuits is for informational and educational purposes only and should not be construed as professional financial advice. You may withdraw up to a maximum of $3,000 per calendar month from ATMs and up to a maximum of $3,000 per calendar month from teller transactions, unless otherwise indicated. Then, select the "Withdraw fund" option and chose your preferred method. GO2bank is a trademark of Green Dot Corporation. Compensation may impact where offers appear. 1 The spending account works like a traditional checking account, but better. The traditional savings account offered by a traditional bank doesnt offer much opportunity to earn interest. There is no charge for this as long as the customer is able to cover their overdraft in 24 hours of it happening. $15 fee may apply for each purchase transaction not repaid within 24 hours of authorization of first transaction that overdraws account. Opt-in required. Set up eligible direct deposits and opt in to get covered for every purchase** Opt-in required. It's your money, after all. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Fees and limits may vary or are subject to change. This rate is significantly higher than traditional savings account at current averages. Please note that withdrawal requests may take up to 48 hours before approval. All referral rewards will be reported on form 1099-INT to the IRS. Copyright 2023, All Rights Reserved | Wealth Pursuits. 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. Daily Load Limits. First Citizens Bank Free Checking stands out for its built-in finance tracking tool, Manage My Money. Amazon eGfit Cards will earn you 3% cashback. GO2bank is a mobile banking division under Green Dot Corporation that offers simple and straightforward digital banking solutions. These limits are specific to banks and the different types of account they offer. eGift Card merchants subject to change. Youll have 24-hours to bring your balance to at least $0 to avoid a fee. Open an account: Purchase a card at a retail store, One-time purchase price of up to $2.95. FinanceBuzz is an informational website that provides tips, advice, and recommendations to help you make financial decisions. This is really too bad because its one of the features that GO2 Bank touts quite a bit. Traditional savings account0.35% (as of Feb. 28, 2023) APY. Mobile number verification, email address verification and mobile app are required to access all features. The maximum you can withdraw from most GoBank accounts at an ATM is $3,000 every 24 hours. You must apply at Partners.Uber.com. Chime Bank has partnerships with two banks to offer their checking and savings accounts. You also have the protection of FDIC insurance on your bank deposits for up to $250,000 per account. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Help Your secured credit card Rates, fees and limits Rates, fees and limits What are the GO2bank Secured Credit Card rates and fees? 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). Otherwise,$5 per month. Fees and limits may vary or are subject to change. 3 Ingo Money is a service provided byFirst Century Bank, N.A. Chase Secure Banking offers no overdraft services. 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. Earn 10x the national savings rate average. No fee. Yes. Log in to the GO2bank app or GO2bank.com to find a free ATM location near you. If you purchase a GoBank package at a retail store, you will need to make your initial deposit at the time you purchase . 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. As an all-digital bank, GO2 Bank has made efforts to ensure that its banking app is easy to use. Swyft Filings Review Can This Legal Service Help You Form Your Small Business? 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. New and referring GO2bank accountholders may earn no more than $1,500 in referral rewards per calendar year (January 1 - December 31). How to transfer money from FanDuel to my bank account? Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. But if you make out of network withdrawals, for instance, youll be paying extra charges. The GO2 Bank savings account pays out interest on a quarterly basis. Log in to opt in to overdraft protection, You have 24 hours from the authorization of the first transaction that overdraws your account to bring your account positive to avoid a $15 fee. Limits apply. These eGift card purchases can earn up to you up to 7% instant cashback for each purchase made on their mobile app. Available to residents in NC, SC, TN, AZ, CA, CO, FL, GA, KS, MD, MO, NM, OK, OR, TX, VA, WA, WV, and WI. The mobile banking service was launched in January 2021, making it one of their newer financial products. Premium 200 allows for a maximum of 10 overdrafts in a monthly statement period. 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. But if you opt in to this service, you'll pay a $15 fee if you don't bring your balance back to $0 within 24 hours. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. 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. Last updated Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. Ally Bank is another online bank that offers much more than just checking and saving products. Earn up to 1.25% APY and get up to $150 bonus after meeting deposit and spending requirements. Follow these steps to apply online. She has worked in banking, finance, student loans, consumer credit cards, and tech. All checks are subject to approval for funding in Ingo Money's sole discretion. $15 fee may apply for each purchase transaction not repaid within 24hrs of authorization of first transaction that overdraws account. You may not exceed $10,000.00 in daily transaction activity nor . Optional, only if you want us to follow up with you. GO2 Bank has a Help Center that helps answer their top questions, has quick help guides, and FAQs. You can open a GO2bank account through the website or mobile app. Open a GO2bankTM account fast. 2023 GO2bank. Active GO2bank account required to receive eGift Cards. Can I get cash with my GO2bank Secured Credit Card? Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Use your card number and PIN when using the app or visiting the merchants website or us the barcode Go2Bank provides when you shop in-store. See your Deposit Account Agreement for additional details and limits and fees. After your first transfer, you will be able to transfer up to $1,000 per day and $3,000 in any given 30-day time period. See our clear and straightforward fees, so youll never be surprised. GO2bank is Green Dot's flagship digital bank. Take control of your spending with integrated tools such as automated budgeting, upcoming due date alerts, low balance alerts and more, available in the US Bank Smartly Checking mobile app. If you use an ATM outside of this network, youll pay a $3 fee. Generally, credit unions have a restrictive field of membership that not everyone may qualify for. You can withdraw money from any of the thousands of ATMs in the U.S. that bear the Visa or Pulse brand marks. If you want to withdraw money from your account, youll have to find an ATM. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. InboxDollars Review Can You Make Real Money With This Website? Customers of GO2 Bank can get up to $200 in overdraft protection when they need multiple direct deposits within 35 days. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Learn more (Overdraft Protection PDF). These early direct deposit benefits can be useful to get access to your funds faster. Log in to the app or GO2bank.com to find a free in-network ATM near you. 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. They also have many banking partnerships to indirectly serve even more customers. Mobile number verification, email address verification and mobile app are required to access all features. Keep in mind that account holders will have over 19,000 fee-free ATMs to choose from in the Allpoint nationwide ATM network. Government benefits direct deposit can be up to four days early. All third-party names and logos are trademarks of their respective owners. Anjana's experience and education allow her to bring a credible, well-informed perspective to the content she writes at Wealth Pursuits, where her primary areas of focus include investing, credit, and personal finance. Insurance on your Bank deposits for up to $ 150 bonus after meeting deposit and bill pay names. Open a GO2bank account through the website or mobile app are required to access all.! 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