While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. If you wish to mail GO2 Bank, you can by sending snail mail to the following address: GO2bank, P.O. Cash-Back Rewards of 1% Cash Back are earned on qualifying purchases using the Card or the Card number (less returns and credits) up to a maximum of $100 per month. The amount of coverage is based on your direct deposits, Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. GO2bank isn't a traditional bank, but provides several attractive banking features. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Skip a call & save time! Active GO2bank account required to receive eGift Cards. There are some improvements that GO2 Bank could make in terms of the type of fees they charge, respectfully. Talk with a financial professional if you're not sure. Amazon eGfit Cards will earn you 3% cashback. Daily Load Limits. Additional criteria may apply which can affect your eligibility and your overdraft coverage. It can be used to withdraw cash from an ATM, transfer funds to a bank account, issue a check, or make purchases wherever Visa is accepted. There is a $15 overdraft fee each time you dont get your account negative within 24 hours. So, if youre looking for something that offers things like business bank accounts, you may want to check out an alternative such as Mercury Bank. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Online Banking - Checking Account - Direct Deposit | GoBank GO2bank is a mobile banking division of Green Dot Corporation and doesnt have any in-person branches. Their mobile banking app also has helpful features like a planning tool that allows you to create and monitor budgets and set up financial goals. If they arent able to cover the overdraft in 24 hours, there is a fee of $15. The maximum you can withdraw from most GoBank accounts at an ATM is $3,000 every 24 hours. 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. Earn 4% APY on the first $2,000 in each savings pods. All rights reserved. Being able to create up to five different savings goals using the Vault feature is a great way to visualize your goals. Fees and daily withdrawal limits apply. No fee. Earn a bonus and 5 or 10 cents in rewards on all eligible purchases. Qoins Review Is This App Worth Downloading? P.O. The only other option is to receive online access within minutes for a fee thats between 1% and 5%. Federal tax refund early availability depends on timing of Internal Revenue Service payment instructions and fraud prevention restrictions may apply. Keep in mind that account holders will have over 19,000 fee-free ATMs to choose from in the Allpoint nationwide ATM network. Open your account now! GO2bank.com has an online chat feature in the bottom right corner of most pages where a specialist can help answer your questions. This monthly fee is waived if you have at least one direct deposit into the bank account each month. Youll have 24-hours to bring your balance to at least $0 to avoid a fee. Account must be in good standing and chip-enabled debit card activated to opt in. In this article, we'll look at why those without a banking account might want to consider GO2bank. New Chase customers may qualify for a $100 signup bonus. 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. Ally Bank also offers free checks and remote check deposits. Douugh Review Should You Use This Banking App? Well cover debit card purchase transactions that exceed your available balance. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Visit one of our free ATMs near you to withdraw cash from your account. 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. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Fintechs and neobanks offer a simple bank account product that meets the needs of people who dont need a physical bank. If you use an ATM outside of this network, youll pay a $3 fee. 2023 GO2bank. Your daily spend limit is $10,000 per day. SeeDeposit Account Agreement (PDF)for details. The content on Wealth Pursuits is for informational and educational purposes only and should not be construed as professional financial advice. 1. Organize your business finances with 5 sub-accounts with unique account numbers. For example, if you deposit $250, your credit limit will be $250. Punjab National Bank Metro cities are allowed 3 free ATM withdrawals while other cities can get up to 5 free withdrawals through debit cards. App Store is a service mark of Apple Inc. Nisi proident qui irure non tempor consectetur, Sign up with a starter kit from participating retail stores, Purchase a starter kit at a participating retail location ($2.95 or less) + start your account for as little as $20, up to $500, Purchases from foreign websites and merchants. You can open a GO2bank account when you meet the following requirements. Account opened at a tax professional's office. Keep in mind that you cant earn interest on more than $5,000 total in your GO2bank savings account. Set up eligible direct deposits and opt in to get covered for every purchase** Opt-in required. To use GO2banks cash back, follow these steps. For identity verification, youll need to upload your drivers license or another form of ID. Daily Spending Limits. Select Withdraw after making your selections. Here are a few tips on how you can help protect yourself when using an ATM. Customers of GO2 Bank can get up to $200 in overdraft protection when they need multiple direct deposits within 35 days. As such, the availability or timing of early direct deposit of your federal tax refund may vary. This fee is waived if you get your funds in 10 days to allow for the check to be approved. Log in to opt in to overdraft protection How it works Set up and receive eligible direct deposits. Mobile number verification, email address verification and mobile app are required to access all features. Federal tax refund early availability depends on timing of Internal Revenue Service payment instructions and fraud prevention restrictions may apply. Online transfers through Chime are limited to $200 a day. What are the GO2bank Secured Credit Card rates and fees? GO2 Bank offers a primary bank account that has a monthly fee of $5. Otherwise, youll pay an overdraft fee of $5 each time. Prize: $1,000 to be awarded as credit or a check. Please note that withdrawal requests may take up to 48 hours before approval. All third-party names and logos are trademarks of their respective owners. If you can wait 10 days, you can get access to your money for free. Both you and your friend get $50 when they open a new GO2bank account and receive a qualifying direct deposit. Partner terms and conditions apply. 2023 GO2bank. Even if you use another financial institution, you can transfer money from there to your GO2 Bank account. As a financial technology company and registered bank holding company, Green Dot is focused on making modern banking and money movement accessible to everyone. when you buy eGift Cards from over 100 popular merchants in the app** Activated, chip-enabled debit card required to purchase eGift Cards. For instance, theres a $5 monthly fee for individuals who dont set up direct deposit. We keep our reviews completely factual so you can use them to make better decisions. She has worked in banking, finance, student loans, consumer credit cards, and tech. 4.50% on balances of to $5,000 Paid quarterly on savings up to $5,000. To deposit a check to your account, you must wait a full ten days to get access to your money. No opening deposit or minimum balance requirement. 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. Green Dot Corporations headquarters are located in Pasadena, California. Log in to the GO2bank app or GO2bank.com to find a free ATM location near you. For all GoBank accounts, you must be at least 18 years of age. Rather, they're used to help protect both the buyer and the seller. General Information About Deposits & Funds Availability . APY may change before or after you open an account. We have not included all available products or offers. Their proprietary technology allows for faster and more efficient electronic payments and money management. Your positive payment history is reported in your credit report at all three major credit bureaus. Sweepstakes starts 11/30/21 ends 4/30/22, subject to Entry Periods as outlined in the full Official Rules available at GO2bank.com/50KTax. When you complete an eligible purchase transaction, you get an immediate payment to your GO2 Bank account of the cashback. The limits reset at 12 midnight Pacific Standard Time. Made up of five interest-bearing accounts that are called Vaults, you can freely move your money around between them and your primary deposit account. You can also open a money market, certificate of deposit, credit cards, mortgages, auto loans, and investment products. When on a mobile device, click on * to view disclosures. 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