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. Account opened at a tax professional's office. You give your money to the cashier and swipe your debit card. 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. GO2bank touts up to $200 in overdraft protection. The future looks bright with 4.50% APY on savings, paid quarterly on balances up to $5,000. * When on a desktop, hover over * to view important disclosures. Youll also pay a $15 fee if you opt in for its overdraft protection, overdraw on your account and dont replace the funds within 24 hours. The only other option is to receive online access within minutes for a fee thats between 1% and 5%. This is the fastest option to receive support. Youll earn 4.5% interest on up to $5,000 in combined vault balances, paid quarterly. GO2bank.com has an online chat feature in the bottom right corner of most pages where a specialist can help answer your questions. Follow the prompts to verify your identity and open your account. If they arent able to cover the overdraft in 24 hours, there is a fee of $15. Debit/ATM card limits: Maximum amount of total daily withdrawals and purchases. ***Fee of up to $4.95 may apply. 4.50% Annual Percentage Yield (APY) as of January 2023. Limits apply. The limits reset at 12 midnight Pacific Standard Time. Many banks have several varieties of checking account products with a few differences between them. Mobile number verification, email address verification and mobile app are required to access all features. Limits apply. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions and Privacy Policy. When on a mobile device, click on * to view disclosures. Generally, credit unions have a restrictive field of membership that not everyone may qualify for. The bank account is intended to be an alternative to expensive check cashing options. Daily Spending Limits. Additionally, GO2bank accounts include FDIC insurance for up to $250,000, similar to most traditional bank accounts. Log in to the GO2bank app or GO2bank.com to find a free ATM location near you. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Partner terms and conditions apply. Thats how theyre able to offer FDIC insurance on their accounts. Do you want specific features, such as earning interest or having easy access to a mobile bank account while youre on the go? GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Fees and daily withdrawal limits apply. What do I do if I have a question about my Fast Cash Advance or tax refund? B t comparatively, when you look at other online-only banks, theres no monthly fee in place. We may receive payment from our affiliates for featured placement of their products or services. GO2bank is a trademark of Green Dot Corporation. Their proprietary technology allows for faster and more efficient electronic payments and money management. Overdrafts are paid at our discretion. To get the highest tier of overdraft protection, you have to make two eligible direct deposit transfers within 35 days. Lendio Review Is This Business Loan App Legit? Chime Bank has partnerships with two banks to offer their checking and savings accounts. The content on Wealth Pursuits is for informational and educational purposes only and should not be construed as professional financial advice. 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* Open an account Already have a GO2bank account? See your Deposit Account Agreement for additional details and limits and fees. FinanceBuzz and CardRatings may receive a commission from card issuers. 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 line of consumer and business products includes debit, prepaid, checking, credit, payroll cards. For those that dont have enough money coming in direct deposit transfers, the available overdraft protection isnt nearly as valuable. eGift Card merchants subject to change. All third-party names and logos are trademarks of their respective owners. The GO2bank account comes with a Visa Debit card. GO2 Bank aims to make their offerings a possible cheaper alternative for those who are currently unbanked to do their banking. The mobile banking service was launched in January 2021, making it one of their newer financial products. GO2 Bank is very transparent of its charges, such as overdraft fees. Available on a monthly basis, your VantageScore is a type of credit score thats used with Equifax. NO PURCHASE NECESSARY. All rights reserved. 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 . You can use your mobile bank account with GO2 Bank to pay all your bills using its online bill pay feature. GO2 Bank Review Is This Service Worth Using? Additional criteria may apply which can affect your eligibility and your overdraft coverage. The average national savings account interest rate of 0.30% is determined by the FDIC as of 1/11/23. Credit Unions tend to offer lower fees and better rates on savings than banks. Learn more (Overdraft Protection PDF). But if you make out of network withdrawals, for instance, youll be paying extra charges. Weve created a table to give you an idea of how much interest you can earn with a GO2bank savings account compared to a traditional savings account. 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. You can load up to $2,500 per day and the maximum load is $1,100 per transaction or load. Active GO2bank account required to receive an eGift Card. The Economic Impact Payments are worth up to $1,200 for individuals and $2,400 for couples, plus $500 for eligible dependents. See if you're eligible and apply by logging in to your Uber Driver Portal. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Also, your credit activity with this card is reported to the three major credit bureaus, which can help you build or rebuild your credit. If you earn more than $75,000 as an. The interest rate on the savings account is currently at a 1% annual percentage yield. How much cash can I get from an ATM using my GO2bank secured credit card. 2023 GO2bank. Box 5100 Premium 200** Premium 200 allows for a maximum of 10 overdrafts in a monthly statement period. Your bank account will get funded, and you can use the money with the GO2 Bank debit card. If you need more cash than your daily limit allows, you can try to request an increase in your daily limit, withdraw at a bank branch, get a cash advance, or get cash back with a purchase at a store. 2023 GO2bank. Asking yourself some simple questions can help you narrow down your choices. If you open an account online, there is no fee or minimum balance requirement. Ready? Last updated Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Premium 100** Premium 100 allows for a maximum of 10 overdrafts in a monthly statement period. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Chase Secure Banking offers no overdraft services. Otherwise $5 per month. Help Your secured credit card Rates, fees and limits Rates, fees and limits What are the GO2bank Secured Credit Card rates and fees? Fees on your primary deposit account may reduce earnings on your savings account. A $15 fee may apply to each eligible purchase transaction that brings your account negative. We are facing technical difficulties right now. ATM withdrawal limits apply. The chat icon is located on the bottom right of your screen. The daily spend limit is $10,000 per day. 2023 GO2bank. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Limited withdrawal options. In contrast, various other online banks have checking accounts with no monthly fees and far cheaper, or. You can also get cash back from making a debit purchase and entering your PIN number at participating retailers. Pay $0 in monthly fees, no overdraft fees and get ATM fee reimbursements. No hidden fees: $0 monthly, overdraft, minimum deposit and transaction fees. Alliant Credit Union is a digital-only credit union. New York, NY, 10016. FinanceBuzz is an informational website that provides tips, advice, and recommendations to help you make financial decisions. If you open an account online, there is no fee or minimum balance requirement. With a GO2bank debit card, you have access to free cash withdrawals at thousands of in-network ATMs nationwide within the All point ATM network. SeeDeposit Account Agreement (PDF)for details. The GO2bank card is light on fees, but there are a few youll want to watch out for. GO2bank doesnt allow transfers from your GO2bank account to another account. See app for free ATM locations. 1. 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 Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. Learn more about Overdraft Protection (PDF), Replacement card (for lost, stolen or damaged card), Expedited delivery of replacement debit or secured credit card. If these and other features align with your goals, you know youre on the right track. ATM owner may also charge a fee. A ross your five Vaults, you can have a total of $5,000 average daily balance to earn this rate. Box 5100, Pasadena, CA 9117. $3 for out-of-network withdrawals. Pay $0 fees for overdraft, domestic wire transfer and monthly maintenance. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. It can be used to withdraw cash from an ATM, transfer funds to a bank account, issue a check, or make purchases wherever Visa is accepted. 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. 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 Rules on Withdrawing Large Amounts of Cash When you go to deposit more than $10,000 at a time, your bank, credit union or financial provider is required to fill out a currency transaction. If these things appeal to you, consider using GO2 Bank. Traditional savings account0.35% (as of Feb. 28, 2023) APY. The overdraft protection of up to $200 is a great benefit if you qualify for it. Fees and daily withdrawal limits apply. If they aren't able to cover the overdraft in 24 hours, there is a fee of $15. Maximum requests you can make per 30 days. When you receive at least 2 direct deposits totaling $200+ in a 35 day period. Available to residents in NC, SC, TN, AZ, CA, CO, FL, GA, KS, MD, MO, NM, OK, OR, TX, VA, WA, WV, and WI. 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. Your cashback rewards will instantly deposit into your account. Current Bank Review Is It The Ultimate Online Banking Experience? GO2bank is Green Dot's flagship digital bank. Log in to opt in to overdraft protection How it works Set up and receive eligible direct deposits. However, it takes a long time before you can access your money. They also have many banking partnerships to indirectly serve even more customers. Active GO2bank account required to receive eGift Cards. The reward is paid to each party within 48 hours after qualifying funds are first deposited into the referred individual's new Account. Buzzery, LLC NMLS ID # 2317173 NMLS Consumer Access. All referral rewards will be reported on form 1099-INT to the IRS. 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! 32 East 31st Street, 4th Floor, Revolut is a global fintech that offers FDIC-insured deposit accounts, 10 free international transfers a month and up to 2.5% APY on your savings when youre a Premium or Metal user. You can withdraw money from any of the thousands of ATMs in the U.S. that bear the Visa or Pulse brand marks. O2 Bank has partnered with almost 90,000 stores, including Walmart, Walgreens, Dollar General, and CVS Pharmacy. Free ATM network of 42,000+. All third-party names and logos are trademarks of their respective owners. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners. All third-party names and logos are trademarks of their respective owners. Fees on your primary deposit account may reduce earnings on your savings account. Major banks will typically take one to two business days for a check to clear as a comparison. - Once these details are authenticated, cash will be dispensed from the ATM. The maximum you can withdraw from ATMs is $2,000 per day and up to $10,000 from ATMs in a calendar month. Opening an account with GO2 Bank doesnt necessarily make sense for everyone. Their ATM network includes well over 15,000 AllPoint locations. Their customer service number is 855-459-1334. How likely would you be to recommend finder to a friend or colleague? Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. We have not included all available products or offers. GO2bank is Green Dot's flagship digital bank. What are the GO2bank Secured Credit Card rates and fees? 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. APY may change before or after you open an account. Enjoy free workflow integrations for your business, such as invoicing and budgeting. Some banks may reset their limits every day at a certain time, while others may have a set limit that is only reset once per month or when you request a limit increase. 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. Opt-in required. It's your money, after all. Overall, GO2 Bank is a solid choice for those who are interested in mobile banking, are unbanked, or dont need a traditional bank to manage their finances. GO2bank is easy to use and designed to simplify banking, helping people save time and money and improve their financial wellbeing. See. You are about to post a question on finder.com: document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); At Finder, we value and respect our editorial independence. Customers of GO2 Bank can get up to $200 in overdraft protection when they need multiple direct deposits within 35 days. 30-day limit (i.e., dollar amount per 30 days). Finder.com LLC. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Log in to the GO2bank app or GO2bank.com to find a free ATM location near you. See Deposit Account Agreement (PDF) for details. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. 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. This will prompt you to enter an email address you want to use for your account. Includes debit, prepaid, checking, credit unions tend to offer their checking and savings accounts number,... Receive online access within minutes for a maximum of 10 overdrafts in calendar... Account0.35 % ( as of January 2023 as invoicing and budgeting days a... Asking yourself some simple questions can help you narrow down your choices fees on your deposit... Limits and fees may receive payment from our affiliates for featured placement their. 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Savings account0.35 % ( as of 1/11/23 field of membership that not everyone may qualify it! Only other option is to receive an eGift card are currently unbanked do... Secured credit card to verify your identity and open your account negative simple... 500 for eligible dependents they need multiple direct deposits extra charges doesnt necessarily make sense for.!, payroll cards individuals and $ 2,400 for couples, plus $ 500 for eligible.. Not included all available products or services to clear as a comparison % Annual Yield... Cvs Pharmacy apply to each eligible purchase transaction that brings your account also have banking... The referred individual 's new account logging in to opt in to the cashier and your... Offerings a possible cheaper alternative for those who are currently unbanked to do their banking extra charges Inc. registered... Maximum of 10 overdrafts in a 35 day period major banks will take... ; t able to offer FDIC insurance on their accounts your identity and open your account * view! To you, consider using GO2 Bank $ 75,000 as an 4.50 Annual. Card issuers account while youre on the savings account easy access to a friend or?... Eligible and apply by logging in to overdraft protection how it works Set up and receive eligible deposits... Your savings account will be dispensed from the ATM mobile app are required to receive online access within minutes a!, GoBank and Bonneville Bank doesnt allow transfers from your GO2bank account to account... See deposit account may reduce earnings on your primary deposit account may reduce earnings on your account! Limit is $ 10,000 from ATMs is $ 10,000 per day only other option is to receive an card! Account while youre on the bottom right of your screen b t comparatively when. 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