GO2bank: Mobile banking 4+

Ultimate mobile bank account

Green Dot Corporation

    • Free



GO2bank™ is the ultimate mobile banking app and debit card, packed with features to help you better manage your money and build your credit.

The ultimate in value and convenience:
• No monthly fees with eligible direct deposit, otherwise $5 per month¹
• Free nationwide ATM network²
• Overdraft protection up to $200, with opt-in and eligible direct⁵
• Get your pay up to 2 days early with direct deposit⁶
• Earn over 10x the national savings rate average³
• Earn up to 7% cash back on eGift Cards bought in app⁴

Your GO2 for better credit:
• Build or repair your credit over time with the GO2bank Secured Visa® Credit Card⁷
• Raise your credit scores instantly and get your FICO® score for free⁸

Keep your money safe:
• Member FDIC bank and a brand of Green Dot Corporation
• Lock and unlock your card with a tap of the app⁹
• Receive fraud alerts when we see something suspicious¹⁰

Download the app to open an account or visit GO2bank.com to learn more.

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 Deposit Account Agreement at GO2bank.com/daa for fees, terms and conditions.

1. Monthly fee waived when 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 additional fees the ATM owner or bank may charge. Limits apply.

3. 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. The average national savings account interest rate of 0.08% is determined by the FDIC as of 6/21/22. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

4. Activated, chip-enabled debit card required to purchase eGift Cards. Active GO2bank account required to receive eGift Cards. eGift Card merchants subject to change.

5. 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 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 the fee.

6. 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.

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

8. Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost™.

9. Previously authorized transactions and deposits/transfers to your account will function with a locked card.

10. Message and data rates 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.

Technology Privacy Statement - https://www.go2bank.com/techprivacy

What’s New

Version 1.38.0

Strap in – we made some upgrades to improve the ultimate mobile banking app experience.

Ratings and Reviews

4.7 out of 5
21.5K Ratings

21.5K Ratings

kindriaand josh ,

Kindria Shackles

At this time I'm currently happy with my decision to use the GO2Bank and the GO2Bank Credit Building accounts as of this moment I believe that I have chose and made the right decision to do this as I am trying to fix and rebuild my credit as my husband to be and I are trying to buy a home in the very near future and my credit is damaged due to my first marriage and his is a little of two things he has none or very little credit and/or his first marriage as well has played a big factor in his credit issues as well! So with these cards we are hoping to build and rebuild a bigger and better credit limit for the both of us and pray that in the very near future will be able to purchase our home as we are wanting!!

Developer Response ,

Hi Kindria, thank you so much for the 5-star rating! It is delightful to hear such positive words, and we appreciate you being our customer. We'll make sure to keep up the excellent work for your banking experience. -ARP

Kamuela L Bannister ,


It started out really good banking with GO2Bank. So much so that I endeavored into a GO2Bank secured Credit Card. Then I noticed twelve unauthorized transactions and opened a dispute claim. I put in the leg work and submitted a dispute packet as directed that included all supporting documents like a police report, correspondence with other parties and banking institutions that were involved, and a detailed dispute letter. The packet was submitted via USPS mail as it was the only option; so one can imagine the lengthy timeline from opening the dispute claim to finally getting GO2Bank’s response and outcomes. Well, in the end it did not go in my favor and lost hundreds of dollars.

The unfavorable dispute ordeal made me divide to change my direct deposit from GO2Bank to my other checking account. I later realized that the GO2Bank secured credit card payments could only be made from the checking account. So I aimed to utilize the Debit Card Transfer feature with GO2Bank but that isn’t going so well with transfers being rejected my funds have been held for 7 or more business days before being available. This makes making the monthly credit card payments challenging.

I am still in limbo about closing my accounts with GO2Bank but hesitant for it may influence my already low credit score. I thought using GO2Bank banking services was going to help me to improve my credit score but so far it does not seem as such.

Developer Response ,

Hi Kamuela, thanks for taking the time to leave a review. It saddens us to hear about the experience you had with our product and services. Allow us to make things right by chatting with our customer support team at www.go2bank.com/help/contact-us and select the "HELP" icon on the lower right to start a chat. Thank you! -ARP

mermercarebear ,

Better bank than most

I’ve been with GoBank for years and switched over to GO2bank. Getting my money switched was frustrating and confusing, but it worked out in the end. (I originally gave it 1 star due to the frustration, but it all fixed itself in the end.)

The only reason I’m not giving it 5 stars is because many useful financial apps like Experian or Acorn do not recognize GoBank/GO2bank. They are never listed. I can’t even request GO2bank to be added to Experian cause there’s a digit in its name. Even when I tried to connect my GoBank account to GO2bank through Plaid, nothing came up when searching it. It’s ridiculous that other companies don’t recognize it even though it’s been around a long time and I was online banking with them way before other online banks started such as Chime. I think if there is a way to fix it. It would help customers out so much.

One more small critique is I liked the simplicity of the GoBank app home page. I don’t like GO2bank’s. I’d like to be able to clearly see my account, see any savings, transfer funds, etc. in one place like GoBank.

Developer Response ,

Hello, thank you for your rating. We apologize for all the trouble you've experienced. Your feedback matters to us as we strive harder to satisfy your banking needs. Have you tried searching these banks directly on the GO2bank app? You may visit www.go2bank.com/help/moving_money/transfer_from_another_bank_account_to_go2bank/how-do-i-link-another-bank-account-to-my-go2bank-account to link a bank account using your GO2bank app. As of the moment, transferring funds from GoBank to GO2bank is not available. You can only transfer money to your GO2bank account from another bank. Should you need further assistance, you may log into your account online at www.go2bank.com/help/contact-us and click the floating "Help" icon to initiate chat assistance. -AT

App Privacy

The developer, Green Dot Corporation, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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