Save time with GO2bank™

A great way to receive your refund

GO2bank card and app
Hire a tax preparer

Manage your money


Great for tax time and all year long

No monthly fees

With eligible direct deposit, otherwise $5 per month.1

Get pay early

Get your pay up to 2 days early or their government benefits up to 4 days early with direct deposit.2

Overdraft protection

Overdraft protection up to $200 with opt-in and eligible direct deposit.3

Up to 7% cash back

Earn up to 7% instant cash back when you purchase eGift Cards from nearly 100 popular merchants in the app.4

High-yield savings account

Earn over 10X the national savings rate average, 1% APY paid quarterly on savings up to $5,000.5

Cash checks with the app

Get money in minutes or in 10 days. Just snap a pic with your mobile device.6

Deposit cash at a local retailer

Use the card or the app to deposit cash at retailers nationwide.7

Nationwide ATM network

Use the app to find ATM locations.8

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 $0
Cash deposit Up to $4.95 retail service fee
Transfer money from a linked debit card 1.5% fee (minus $1.00) added to transfer amount
Transfer money from a linked bank $0
ATM withdrawal $3 per transaction
ATM balance inquiry $0.50 per transaction
Teller cash withdrawal $3 per transaction
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
Walmart cash pickup $2.50-$5.00 retail service fee (waived for your first cash pickup)

Open a GO2bank account today

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

2 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.

3 Activated, chip-enabled debit card, eligible direct deposit and opt-in required. $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 the fee. We require immediate payment of each overdraft and overdraft fee. Overdrafts paid at our discretion, and we do not guarantee that we will authorize and pay any transaction.

4 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 for details.

5 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 December 20, 2021. APY may change before or after you open an account. See Deposit Account Agreement for terms and conditions. The average national savings account interest rate of 0.06% is determined by the FDIC as of 12/20/21. 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 to learn more.

6 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 and Conditions and Privacy Policy. Fees may apply. All checks subject to review for approval. For more details, visit

7 Retail service fee and limits apply. See Deposit Account Agreement for details at

8 See app for ATM locations. $3 for ATM withdrawals. ATM owner may also charge a fee. ATM limits apply.

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 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.

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PO Box 70339 Pasadena, CA 91117  |  A Green Dot Company NMLS ID 914924 | Technology Privacy Statement