• Get your pay early
  • Say no to fees
  • Stay covered
  • Keep your money safe
  • Build your credit

Get your pay up to 2 days early

Get your government benefits up to 4 days early.** Direct deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit 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 exactly or we will decline your deposit. Plus, direct deposit unlocks exclusive perks!

No monthly fees

with eligible direct deposit, otherwise $5 per month** Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise $5 per month.

No hidden fees

Overdraft protection up to $200

with opt-in and eligible direct deposit** 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).

We've got your back and will cover you based on your deposits.

Keep the money in your account safe

Lock and unlock your card if misplaced** 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

Build your credit with the GO2bank Secured Visa® Credit Card

NO annual fee** Annual Percentage Rate is 22.99% and is accurate as of 8/1/2021. 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 and NO impact to credit when you apply** Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.

Automatic reporting to 3 credit bureaus

FREE monthly credit score powered by Equifax®

Free ATMs near you

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.

Earn over 10x the national savings rate average

High-yield savings account, 1% 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. 1.00% Annual Percentage Yield (APY) as of June 2022. 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 0.08% is determined by the FDIC as of 6/21/22. 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 a check from the comfort of home

Get your money in minutes or in 10 days. Just snap a pic with your mobile device.** 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.

Deposit cash at a local retailer

Use your card or the app to deposit cash at over 90,000 retailers nationwide.** Retail service fee and limits apply. See Deposit Account Agreement (PDF) for details.

Download the GO2bank mobile app

for the ultimate mobile banking experience

app storegoogle play store

4.7 rating4.5 rating

17k reviews

43k reviews

app storegoogle play store

4.7 rating4.5 rating

17k reviews

43k reviews

It takes just 2 minutes to

get your pay up to 2 days early** Direct deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit 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 exactly or we will decline your deposit.