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** 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).

Already have a GO2bank account? Log in to opt in to overdraft protection

The amount of coverage is based on your direct deposits

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

Basic

Receive a single direct deposit of any amount to your account. No fee.

Receive a single direct deposit of any amount to your account. No fee.

Premium 100** Premium 100 allows for a maximum of 10 overdrafts in a monthly statement period.

When you receive at least 2 direct deposits totaling $200+ in a 35 day period.

When you receive at least 2 direct deposits totaling $200+ in a 35 day period.

Premium 200** Premium 200 allows for a maximum of 10 overdrafts in a monthly statement period.

When you receive at least 2 direct deposits totaling $400+ in a 35 day period .

When you receive at least 2 direct deposits totaling $400+ in a 35 day period .

Your coverage is automatically adjusted based on your direct deposits

 

How it works

Set up and receive eligible direct deposits.

Opt in to overdraft protection.

We’ll cover debit card purchase transactions that exceed your available balance. You’ll have 24-hours to bring your balance to at least $0 to avoid a fee.