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).

Open an account

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.

 

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.

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.

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

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

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).