Save time with GO2bank ™
A great way to receive your refund
Loaded with benefits
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 your government benefits up to 4 days early with direct deposit.2
Overdraft protection up to $200 with opt-in and eligible direct deposits.3
Up to 7% cash back
Earn up to 7% instant cash back when you purchase eGift Cards from over 100 popular merchants in the app.4
High-yield savings account
4.50% Annual Percentage Yield (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
Free nationwide ATM network
Withdraw cash for free at thousands of ATMs nationwide.8
NO hidden fees
See our clear and straightforward fees so you'll never be surprised.
|Open an account online||Free|
|Monthly fee||$0 whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period, otherwise $5 per month|
|Cash deposit||Up to $4.95 retail service fee|
|Transfer money from a linked bank account||$0|
|Transfer money from a linked debit card||3% of the amount transferred (min of $2.00) 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 or balance inquiry||$0|
|Out-of-network ATM withdrawal||$3 per transaction|
|Out-of-network ATM balance inquiry||$0.50 per transaction|
|Teller cash withdrawal||$3 per transaction|
|External account funding transaction fee||1.5% of the amount transferred (rounded to the nearest cent) per transfer, up to a maximum of $10 per transfer.|
|Overdraft protection fee||$15 fee may apply for each purchase transaction not repaid within 24hrs of authorization of first transaction that overdraws account. Learn more about Overdraft Protection (PDF)|
|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 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.
3 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).
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, as well as the percentage of cash back from each merchant. 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. 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.
7 Retail service fee and limits apply. See Deposit Account Agreement for details at GO2bank.com.
8 See app for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.
GO2bank cards are 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.
Copyright © Santa Barbara Tax Products Group, all rights reserved.
PO Box 508 West Chester, OH 45071 | A Green Dot Company NMLS ID 914924 | Technology Privacy Statement