the ultimate mobile bank account

Credit building

with no annual fee** GO2bank Secured Visa Credit Card available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply. Annual Percentage Rate is 22.99% and is accurate as of 12/1/2022. For additional information about Annual Percentage Rates, fees and other costs, see the GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF).

Overdraft protection
up to $200** Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt in. Initial and ongoing direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. 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. Learn more (Overdraft Protection PDF).

Activate your card

Apply or opt in after eligible direct deposits

Member fdic

the ultimate mobile bank account

Credit building

with no annual fee** GO2bank Secured Visa Credit Card available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply. Annual Percentage Rate is 22.99% and is accurate as of 12/1/2022. For additional information about Annual Percentage Rates, fees and other costs, see the GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF).

Overdraft protection
up to $200** Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt in. Initial and ongoing direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. 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. Learn more (Overdraft Protection PDF).

Apply or opt in after eligible direct deposits

Activate your card

Member fdic

  • No sneaky fees

  • Early paydays

  • Balance backup

  • Account protection

  • Credit building

Say no to monthly fees

Say yes to keeping more of your money with no hidden fees and no monthly fees after eligible direct deposit.** Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise, $5 per month. Otherwise, $5 per month.

Get your money fast

When it comes to getting your money in your account, early is right on time. Get your pay up to 2 days early and governments benefits up to 4 days early with direct deposit.** Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention methods. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your GO2bank to prevent fraud restrictions on the account.

Stay covered with up to $200 of backup

We’ve all been there - that panic at the register, worrying whether you’ve got enough money to cover expenses. Your go-to has your back with up to $200 in overdraft protection after eligible direct deposits and opt-in.** Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt in. Initial and ongoing direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. 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. Learn more (Overdraft Protection PDF).

Keep your money safe

It’s your money - only you should have access to it. Keep your money and account info safe with:

Easy card lock/unlock** Previously authorized transactions and deposits/transfers to your account will function with a locked card.

Fraud alerts via text message** Message and data rates may apply.

Chip-enabled card for extra protection

Climb to better credit with no annual fee

Your credit-building journey starts here with your go-to. Build your credit with the GO2bank Secured Visa® Credit Card. No annual fee** Annual Percentage Rate is 22.99% and is accurate as of 12/1/2022. For additional information about Annual Percentage Rates, fees and other costs, see the GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF)., no credit check** Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply., and no impact to your credit when you apply.

Free ATMs here, there, everywhere

Withdraw cash for free at thousands of ATMs nationwide** See app for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.

See why people love us heart-eyes

app storegoogle play store

Mindy

Awesome service! I direct deposit my check and get paid 2 days before all my coworkers! The website is easy to work with. So happy I found this card!

app store

Mr. Jonquil

I have been a customer of GO2bank since Fall of 2021. My experience with GO2bank has been exceptional and hassle-free from the outset. Customer service is above par compared with other financial institutions; the app is very easy to use.

app store

Peanutt

Love this bank. First time I’ve been eligible for the secured credit card to help build my credit. Amazing card to help out when needed.

app store

Jayash

This is THE BEST banking app ever!!! And the customer service is AMAZING!!! This is the only bank card I will ever use, PLUS they help you get a second card through them that helps build up your credit!!!! How awesome is that!!

app store

Bob Sr.

I am 100% satisfied with GO2bank. The GO2bank app has worked flawlessly and is the best app I have used for online banking. I Highly recommend GO2bank.

app store

See why people love us heart-eyes

app store

Scan to download the
GO2bank app

app storegoogle play store

Mindy

Awesome service! I direct deposit my check and get paid 2 days before all my coworkers! The website is easy to work with. So happy I found this card!

app store

Mr. Jonquil

I have been a customer of GO2bank since Fall of 2021. My experience with GO2bank has been exceptional and hassle-free from the outset. Customer service is above par compared with other financial institutions; the app is very easy to use.

app store

Peanutt

Love this bank. First time I’ve been eligible for the secured credit card to help build my credit. Amazing card to help out when needed.

app store

Jayash

This is THE BEST banking app ever!!! And the customer service is AMAZING!!! This is the only bank card I will ever use, PLUS they help you get a second card through them that helps build up your credit!!!! How awesome is that!!

app store

Bob Sr.

I am 100% satisfied with GO2bank. The GO2bank app has worked flawlessly and is the best app I have used for online banking. I Highly recommend GO2bank.

app store

See why people love us heart-eyes

app storegoogle play store

Mindy

Awesome service! I direct deposit my check and get paid 2 days before all my coworkers! The website is easy to work with. So happy I found this card!

app store

Mr. Jonquil

I have been a customer of GO2bank since Fall of 2021. My experience with GO2bank has been exceptional and hassle-free from the outset. Customer service is above par compared with other financial institutions; the app is very easy to use.

app store

Peanutt

Love this bank. First time I’ve been eligible for the secured credit card to help build my credit. Amazing card to help out when needed.

app store

Jayash

This is THE BEST banking app ever!!! And the customer service is AMAZING!!! This is the only bank card I will ever use, PLUS they help you get a second card through them that helps build up your credit!!!! How awesome is that!!

app store

Bob Sr.

I am 100% satisfied with GO2bank. The GO2bank app has worked flawlessly and is the best app I have used for online banking. I Highly recommend GO2bank.

app store

Earn well over the national savings rate average

High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.** 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. Fees on your primary deposit account may reduce earnings on your savings account. 4.50% Annual Percentage Yield (APY) as of January 2024. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.46% is determined by the FDIC as of 1/16/24. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

Earn up to 7% instant cash back

when you buy eGift Cards from over 100 popular merchants in the app.** Activated, chip-enabled debit card required to purchase eGift Cards. Active GO2bank account required to receive eGift Cards. eGift Card merchants subject to change. See Deposit Account Agreement (PDF) for details. 

 

 

Cash checks fast or for free

Just snap a pic with your phone and get your money in minutes for a fee, or 10 days for free.** Activated, chip-enabled debit card required to use Ingo Money check cashing service. Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions and Privacy Policy. Limits apply. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See Deposit Account Agreement (PDF) for details. Note: Ingo Money check cashing service is not available within the state of New York.

Your cash deposit spot is nearby

Deposit cash with your card or the app at a nearby retailer, with 90,000+ locations nationwide.** Retail service fee and limits apply. See Deposit Account Agreement (PDF) for details.

This way to early payday

This way to early payday

Get your pay up to 2 days early** Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period.  The name and Social Security number on file with your employer or benefits provider must match your GO2bank account to prevent fraud restrictions on the account.