Turn your money into more money with our 4.50% APY

Turn your money into more money with our 4.50% APY

When every penny counts, make your money go farther. Put what you can in a high-yield savings account and we’ll help that money grow. Earn well over the national savings rate average.** 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.

When every penny counts, make your money go farther. Put what you can in a high-yield savings account and we’ll help that money grow. Earn well over the national savings rate average.** 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.

Build up your tax refund with our $50,000 Fast Tax Payout

You could add more to your savings when you direct deposit your tax refund to your GO2bank account and get automatically entered for a chance to win $500.

Let the saving begin

Today’s a great day to start taking advantage of our great 4.50% APY.** 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. Learn how easy it is to open your own savings account.

Save more of your money for what really matters

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 ATM fees in our free nationwide ATM network** 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.

No fees or minimum balance required to open an account online

    

We believe surprises should be for good things, not bank fees

We believe surprises should be for good things, not bank fees

So, here’s a straightforward list of fees.

Features

Simple fees

Open an account: Online

Free

Open an account: Purchase a card at a retail store

One-time purchase price of up to $2.95. Initial deposit of $20-$500 required

Monthly fee

$0 whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period, otherwise $5 per month

Direct deposit

$0

Cash deposit

Up to $4.95 retail service fee

Transfer money from a linked bank account

$0

Transfer money from a linked debit card

3% of the amount transferred (min of $2.00) added to transfer amount

Cash a check with the app

1% or 5% of check amount for money in minutes, depending on check type ($5 minimum fee per check); $0 for money in 10 days

In-network ATM withdrawal or balance inquiry

$0

Out-of-network ATM withdrawal

$3 per transaction

Out-of-network ATM balance inquiry

$0.50 per transaction

Teller cash withdrawal

$3 per transaction

Funding transaction fee

1.5% of the amount transferred, rounded to the nearest cent, up to a maximum of $10 per transfer. This fee is charged when you fund an external account from your GO2bank account.

Overdraft protection fee

$15 fee may apply for each purchase transaction not repaid within 24hrs of authorization of first transaction that overdraws account. Learn more about Overdraft Protection (PDF)

Replacement card (for lost, stolen or damaged card)

$0

Expedited delivery of replacement debit or secured credit card

$24.95

Foreign transaction fee

3% of total transaction amount