Keep more of your money

See how you can save the day and your budget with these great benefits

No monthly fees

with eligible direct deposit, otherwise $5 per month¹

Free nationwide ATM network²

Find free ATM locations using the app

Earn up to 7% instant cash back

when you buy eGift Cards from nearly 100 popular merchants in the app.³
Earn 3% instant cash back when you buy Amazon eGift Cards in the app.³

Earn over 10x the national savings rate average

The future looks bright when you earn 1% APY on the money in your own savings account, paid quarterly up to $5,000⁴

Overdraft protection up to $200 with opt-in and eligible direct deposit⁵

We’ve got your back. Simply set up direct deposit, opt in for overdraft coverage and we’ll automatically cover you based on your deposits.

No hidden fees.

See our clear and straightforward fees so you’ll never be surprised

Features

Simple Fees

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

Cash deposits

Up to $4.95 retail service fee

Transfer money from a linked bank

Transfer from a linked debit card

1.5% fee (min $1.00) 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

In-network ATM balance Inquiry

Out-of-network ATM withdrawal

$3 per transaction

Out-of-network ATM balance inquiry

$0.50 per transaction

Teller cash withdrawal

$3 per transaction

Replacement card (for lost, stolen or damaged card)

Foreign transaction fee

3% of total transaction amount

Expedited delivery of replacement debit or secured credit card

$24.95

Ultimate mobile banking

Simple. Seamless. Smart.

Open an account

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.

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

2. See app for free ATM locations. $3 for out-of-network withdrawals plus any fee the ATM owner or bank may charge. ATM limits apply.

3. Activated chip-enabled GO2bank 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.

4. 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. 1% Annual Percentage Yield (APY) as of March 2021. 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 0.04% is determined by the FDIC as of 3/8/21. 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.

5. 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. Visit https://www.ingomoney.com/partners/greendot-terms-conditions/ for complete details. 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. Unapproved checks will not be funded to your account. For approved Money in Minutes transactions funded to your account: 1% fee for payroll and government checks with a pre-printed signature, with a minimum fee of $5; 5% fee for all other check types, with a minimum fee of $5. For approved Money in Days transactions funded to your account in 10 days: No fee, provided the check does not return unpaid in the 10-day period. 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 account. See Deposit Account Agreement (PDF) for details.

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 also operates under the following registered 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 Ingo Money, Q2 Software, Plaid, 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.