More easy deposit options,
less waiting for your money

More easy deposit options,
less waiting for your money

More easy deposit options, less waiting for your money

Add money to your GO2bankTM account wherever,
whenever with these easy deposit options.

Add money to your GO2bankTM account wherever,
whenever with these easy deposit options.

Add money to your GO2bankTM account wherever, whenever with these easy deposit options.

Open an account

Bank on us for early paydays

You worked hard to earn your pay, you should get it when you need it. Get your pay up to 2 days early and government benefits up to 4 days early with direct deposit.** Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability 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 to prevent fraud restrictions on the account.

The banking perks you deserve:

  • Be free of 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.
  • Stay covered with up to $200 in overdraft protection with eligible direct deposits and opt-in** 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).
  • Pave the way to better credit with the GO2bank Secured Visa® Credit Card** Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.
Set up direct deposit

What's your go-to way to add money to your account?  Fast or for free?

Deposit cash at stores

Deposit your hard-earned cash at 90,000+ retail stores nationwide, like your nearby CVS Pharmacy®, Dollar General®, Walgreens®, and Walmart.** Retail service fee and limits apply. See Deposit Account Agreement (PDF) for details.
Deposit cash

Transfer from another bank

Move money from a linked bank account to GO2bank without a fee.** Activated, personalized debit card required to make a bank transfer. Limits apply to bank transfers. Subject to your bank's restrictions and fees. See Deposit Account Agreement (PDF) for details.
Link a bank account

Transfer from another debit card

Fast-track funding on your account from a linked debit card.** Fees and limits apply to debit card transfers. See Deposit Account Agreement (PDF)
Link a debit card

Cash a check from anywhere

Just snap a pic with the app and get your money in minutes for a fee or in 10 days for free.** 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.
Cash a check

What's your go-to way to add money to your account?  Fast or for free?

Deposit cash at stores

Deposit your hard-earned cash at 90,000+ retail stores nationwide, like your nearby CVS Pharmacy®, Dollar General®, Walgreens®, and Walmart.** Retail service fee and limits apply. See Deposit Account Agreement (PDF) for details.
Deposit cash

Transfer from another bank

Move money from a linked bank account to GO2bank without a fee.** Activated, personalized debit card required to make a bank transfer. Limits apply to bank transfers. Subject to your bank's restrictions and fees. See Deposit Account Agreement (PDF) for details.
Link a bank account

Transfer from another debit card

Fast-track funding on your account from a linked debit card.** Fees and limits apply to debit card transfers. See Deposit Account Agreement (PDF)
Link a debit card

Cash a check from anywhere

Just snap a pic with the app and get your money in minutes for a fee or in 10 days for free.** 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.
Cash a check

Bank on us for better deposit options

Learn how easy it can be to make cash deposits at a nearby retailer, transfer money from another bank, and more!

An extra $50 for you and your go-to

Refer a friend and you’ll both get $50 when they open a new GO2bank account and receive a qualifying direct deposit.** In order for both the referred individual and the referring GO2bank accountholder to each qualify for and receive the $50 referral reward, the following conditions must be met: The referred individual may not have previously opened a GO2bank Deposit Account ("Account"); they must open a new Account by December 31, 2023; they must open the new account using the referring GO2bank accountholder's unique referral (share) link directly or as shared through email or social post; and they must receive in the new Account a qualifying direct deposit of $200 or more within 45 days of account opening. The qualifying direct deposit must be made by the referred individual's employer, payroll provider, government benefits, or unemployment benefits payor by Automated Clearing House (ACH) deposit. Bank ACH transfers, debit card transfers, verification or trial deposits from financial institutions, tax refund deposits, mobile check cashing, and cash deposits are not qualifying deposit activities. Referring GO2bank accountholder and referred individual GO2bank accounts must both be in good standing to be eligible for and receive a reward. The reward is paid to each party within 48 hours after qualifying funds are first deposited into the referred individual's new Account. New and referring GO2bank accountholders may earn no more than $1,500 in referral rewards across all Refer a friend campaigns per calendar year (January 1 - December 31). Referred individual acknowledges that payment of the reward will result in the referring GO2bank accountholder's knowledge of the individual's new Account. GO2bank reserves the right to cancel or modify the terms of the referral reward offer or terminate the member's eligibility at any time with or without prior notice. All referral rewards will be reported on form 1099-INT to the IRS.

Start referring

Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability 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 to prevent fraud restrictions on the account.

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

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).

Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.

In order for both the referred individual and the referring GO2bank accountholder to each qualify for and receive the $50 referral reward, the following conditions must be met: The referred individual may not have previously opened a GO2bank Deposit Account ("Account"); they must open a new Account by December 31, 2023; they must open the new account using the referring GO2bank accountholder's unique referral (share) link directly or as shared through email or social post; and they must receive in the new Account a qualifying direct deposit of $200 or more within 45 days of account opening. The qualifying direct deposit must be made by the referred individual's employer, payroll provider, government benefits, or unemployment benefits payor by Automated Clearing House (ACH) deposit. Bank ACH transfers, debit card transfers, verification or trial deposits from financial institutions, tax refund deposits, mobile check cashing, and cash deposits are not qualifying deposit activities. Referring GO2bank accountholder and referred individual GO2bank accounts must both be in good standing to be eligible for and receive a reward. The reward is paid to each party within 48 hours after qualifying funds are first deposited into the referred individual's new Account. New and referring GO2bank accountholders may earn no more than $1,500 in referral rewards across all Refer a friend campaigns per calendar year (January 1 - December 31). Referred individual acknowledges that payment of the reward will result in the referring GO2bank accountholder's knowledge of the individual's new Account. GO2bank reserves the right to cancel or modify the terms of the referral reward offer or terminate the member's eligibility at any time with or without prior notice. All referral rewards will be reported on form 1099-INT to the IRS.

Retail service fee and limits apply. See Deposit Account Agreement (PDF) for details

Activated, personalized debit card required to make a bank transfer. Limits apply to bank transfers. Subject to your bank's restrictions and fees. See Deposit Account Agreement (PDF) for details.

Fees and limits apply to debit card transfers. See Deposit Account Agreement (PDF)

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.

Not available to residents outside of the 50 States and DC.