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How is the GO2bank Secured Credit Card different from prepaid or debit cards?

The GO2bank Secured Credit Card can help build your credit history with responsible use over time as we report activity such as on-time payments, late payments, purchases, credit limit changes, and balances owed every month to the three main credit bureaus.

Unlike a debit card, the purchases you make using the GO2bank Secured Credit Card will need to be paid back by the payment due date. You can find the payment due date after you log into your account on the Secured Credit Card section and on the monthly statements. The security deposit you had set aside at the beginning when you set your credit limit will not be used to make those payments every month, but will be returned to you at the time of account closure after we deduct any balance owed, including fees and (or) interest.

Complete on-time payments and other good behaviors like keeping your balance low (ideally under 50% of your total credit limit) can help build a positive credit file over time. Conversely, not making your payments on time each month and other negative behaviors like consistently spending to (or over) the credit limit can damage your credit.

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* When on a desktop, hover over * to view important disclosures. When on a mobile device, click on * to view disclosures.

Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions.

Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.

GO2bank is Green Dot's flagship mobile bank account. Green Dot has serviced more than 80 million accounts over the last 24 years.

GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.

All third-party names and logos are trademarks of their respective owners. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services.

Neither GO2bank, Green Dot Corporation, Visa U.S.A. nor any of their respective affiliates are responsible for the products or services provided by Atomic, Extole, Experian, Ingo Money, Plaid, Q2 Software or any eGift Card merchants. Partner terms and conditions apply.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries.

Welcome to the GO2bank™ Help Center How can we help?

How is the GO2bank Secured Credit Card different from prepaid or debit cards?

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Welcome to the
GO2bank™ Help Center
How can we help?