Add money wherever you are

Quickly and easily manage and move your money where you need it with GO2bankTM

Open an account

Get your pay up to 2 days early with ASAP Direct DepositTM** Direct deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit 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 exactly or we will decline your deposit.

Get your government benefits up to 4 days early

 

It’s easy to set up. Plus, you’ll unlock these exclusive features:

  • 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.
  • Overdraft protection up to $200 with opt-in and eligible direct deposit** 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).
  • Build or repair your 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.

Add funds to your account, cash a check and pay bills all in one convenient app

Deposit cash at stores

Deposit cash at nearly 90,000 retail stores nationwide, including CVS Pharmacy®, Dollar General®, Walgreens®and Walmart.** Retail service fee and limits apply. See Deposit Account Agreement (PDF) for details.

Transfer from another bank

No fee to transfer money from a linked bank account to GO2bank. Log in to link a bank account** See Deposit Account Agreement (PDF)

Transfer from another debit card

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

Cash a check from the comfort of home

Get your money in minutes or in 10 days. Just snap a pic with your mobile device.** 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.

Learn more

Online bill pay

Pay all your bills from a single app, even send a check to make a payment!

Mobile wallet

Add your GO2bank debit card to Apple Pay®, Google Pay™ and Samsung Pay®.** Not available to residents outside of the 50 States and DC.

Add funds to your account, cash a check and pay bills all in one convenient app

Deposit cash at stores

Deposit cash at nearly 90,000 retail stores nationwide, including CVS Pharmacy®, Dollar General®, Walgreens®and Walmart.** Retail service fee and limits apply. See Deposit Account Agreement (PDF) for details.

Transfer from another bank

No fee to transfer money from a linked bank account to GO2bank. Log in to link a bank account** See Deposit Account Agreement (PDF)

Transfer from another debit card

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

Cash a check from the comfort of home

Get your money in minutes or in 10 days. Just snap a pic with your mobile device.** 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.

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Earn up to 7% instant cash back

when you buy eGift Cards from nearly 100 popular merchants in the app.** Activated, chip-enabled debit card required to purchase eGift Cards. Active GO2bank account required to receive eGift Cards. eGift Card merchants subject to change. See Deposit Account Agreement (PDF) for details. 

Online bill pay

Pay all your bills from a single app, even send a check to make a payment!

Mobile wallet

Add your GO2bank debit card to Apple Pay®, Google Pay™ and Samsung Pay®.** Not available to residents outside of the 50 States and DC.

Earn over 10x 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 2023. 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 0.30% is determined by the FDIC as of 1/11/23. 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.

High-yield savings account, 1% APY paid quarterly on savings up to $5,000** 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 2023. 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 0.30% is determined by the FDIC as of 1/11/23. 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..

Refer a friend, and you both get $50** 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 between May 20, 2021 and June 20, 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 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.

Both you and your friend get $50 when they open a new GO2bank account and receive a qualifying direct deposit 

Learn more

Direct deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit 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 exactly or we will decline your deposit.

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 between May 20, 2021 and June 20, 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 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

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.