There is a $15 overdraft fee each time you dont get your account negative within 24 hours. Limits apply. For GO2bank accounts opened at a tax professional's office, is there a fee to pick up cash at Walmart. Always read the ATM screen messages carefully. - Once these details are authenticated, cash will be dispensed from the ATM. Overdrafts are paid at our discretion. Get 2 free checkbooks a year. Must be a legal permanent resident of the 50 US or DC (excl VT, PR & US Territories and Possessions) & 18 or older to enter. Follow these steps to apply online. If you want to withdraw money from your account, youll have to find an ATM. eGift Card merchants subject to change. Sorry! Use this table to compare GO2bank to other popular accounts. We may also receive payment if you click on certain links posted on our site. Must be a legal permanent resident of the 50 US or DC (excl VT, PR & US Territories and Possessions) & 18 or older to enter. 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. We keep our reviews completely factual so you can use them to make better decisions. SeeDeposit Account Agreement (PDF)for details. Partner terms and conditions apply. Below is a rundown of the features you get with a checking account with GO2 Bank. See our clear and straightforward fees, so youll never be surprised. Earn 3% instant cash back when you buy Amazon eGift Cards in the app** Activated, chip-enabled debit card required to purchase eGift Cards. information service that aims to provide you with information to help you make better decisions. If you wish to make mobile check deposits, you must be signed up for direct deposits. This will prompt you to enter an email address you want to use for your account. This rate is significantly higher than traditional savings account at current averages. Prize: $1,000 to be awarded as credit or a check. Chime Bank has partnerships with two banks to offer their checking and savings accounts. A $3.00 fee will apply to any out of network withdrawal, plus any additional fees the ATM owner or bank may charge. Theres no fee to transfer money from a linked bank account. For example, if you deposit $250, your credit limit will be $250. This organization provides education grants and scholarships to teens in foster care that are found all throughout the U.S. Once youre set up, Alliant will cover this $5 membership fee by depositing that amount in your account. 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. Pasadena, CA 91117. You can also lock your card using your banking app instantly if theres unusual activity. On the confirmation screen, make sure all the information is correct and choose Confirm to complete your withdrawal request. Waive overdraft fees by depositing money before the forgiveness deadline. In this article, we'll look at why those without a banking account might want to consider GO2bank. This is mobile banking at its best - and that's what makes them GO2bank. There is no charge for this as long as the customer is able to cover their overdraft in 24 hours of it happening. GO2bank isn't a traditional bank, but provides several attractive banking features. 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. O2 Bank monitors all its accounts on a continuous basis. Active GO2bank account required to receive eGift Cards. That means you may have to open an account else for any funds that you have other than this cap. 30-day limit (i.e., dollar amount per 30 days). Their customer service is available via phone 24/7. There are some improvements that GO2 Bank could make in terms of the type of fees they charge, respectfully. Fintechs and neobanks offer a simple bank account product that meets the needs of people who dont need a physical bank. Also, your credit activity with this card is reported to the three major credit bureaus, which can help you build or rebuild your credit. Credit card limits: The amount of your current credit limit; Wire transfer limits: To view your limits, start a wire transfer by selecting the from account and Save. These eGift card purchases can earn up to you up to 7% instant cashback for each purchase made on their mobile app. If you open an account by getting a GO2bank debit card in a store, then there is a purchase fee and an initial deposit of $20 - $500 required. Earn up to 1.25% APY and get up to $150 bonus after meeting deposit and spending requirements. These Vaults can be set aside to accomplish different financial goals. All rights reserved. Mobile number verification, email address verification and mobile app are required to access all features. Every Dollar Review Is This A Good Budgeting App For Your Finances? GO2bank is a trademark of Green Dot Corporation. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Easily track income, expenses and savings for your business all in one place. 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. Otherwise $5 per month. Log in to opt in to overdraft protection, You have 24 hours from the authorization of the first transaction that overdraws your account to bring your account positive to avoid a $15 fee. Feb. 28, 2023, 4 Things You Must Do Before The Next Recession, Compare earnings with GO2bank vs. traditional savings account, How to withdraw money from a GO2bank account, Do Not Sell or Share My Personal Information, $0 when you receive a payroll or government benefits direct deposit in the previous monthly statement period, otherwise $5, No minimum balance, but you only earn interest on up to $5,000, No ATM access directly to your Vault accounts, as these funds can only be accessed through your GO2bank linked checking account, No limit on the number of transfers you can make between your vaults and checking account, $15 unless your account balance is returned to at least $0 within 24 hours or your account was overdrawn for less than $10, $0 for transfers from a linked bank account to your GO2bank account; transfers from your GO2bank account to a linked bank account arent available, Up to 7% cash back on eGift Cards from popular merchants, Free access to over 19,000 ATMs within the nationwide Allpoint network, $3 fee plus any additional fee by an ATM owner or bank at out-of-network ATMs, Cash deposits at over 90,000 locations of big-brand retail stores such as Walmart and CVS, service fee up to $4.95 may apply, Depositing cash at retailers like Walmart, Walgreens, and CVS (a fee of up to $4.95 may apply), Transferring money from a linked bank account, Transferring money from a linked debit card, A fully-mobile banking app with free ATMs nationwide. Press the enter key if you wish to continue and pay the surcharge fee. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. There is no charge for this as long as the customer is able to cover their overdraft in 24 hours of it happening. In the age of fintech, mobile banking is quickly becoming the go-to option for people who dont feel the need to go to an in-person branch at a traditional bank. Sort the table by minimum deposit to open, ATMs and more to find the account thats right for you. Send cash quickly and conveniently to almost anyone, anywhere in the U.S. Deposit cash to a prepaid or bank debit card - even your own when it's not with you. Cassidy Horton is a writer for Finder, specializing in banking and kids debit cards. A checking account with Ally Bank does not have a maintenance fee or minimum balance requirements. Options for funding your account include: Note: Your first transfer from a linked bank account must be more than $1 and less than $100. Welcome to the GO2bank Help Center How can we help? Set up eligible direct deposits and opt in to get covered for every purchase** Opt-in required. O2 Bank has partnered with almost 90,000 stores, including Walmart, Walgreens, Dollar General, and CVS Pharmacy. The primary bank account with GO2bank is a checking account, but you have the option to store money in a savings account attached to it. To use GO2banks cash back, follow these steps. When you use your mobile banking app to purchase eGift Cards, you can earn up to 7% cashback. You can also open a money market, certificate of deposit, credit cards, mortgages, auto loans, and investment products. All third-party names and logos are trademarks of their respective owners. SeeDeposit Account Agreement (PDF)for terms and conditions. ATM owner may also charge a fee. They have other 80,000 free locations available on their ATM network. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners. Maximum requests you can make per 30 days. You will create a 4-digit PIN (personal identification number) when you activate your GO2bank debit card. 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. See if you're eligible and apply by logging in to your Uber Driver Portal. Below is a little bit more of some of the bigger competitors out there. She received a Marketing and Management degree from Kansas State University and a Masters in Business Administration (MBA) from Baker University. It even allows you to send a check to use as payment. See Deposit Account Agreement (PDF) for details. The main target of GO2 Bank is the underbanked, those who dont have a checking or savings account. The credit limit on your secured credit card is equal to how much money you deposit on your card. For all GoBank accounts, you must be at least 18 years of age. Green Dot also offers money processing services, tax refunds, cash deposits, and disbursements. Copyright 2023, All Rights Reserved | Wealth Pursuits. GoBank online banking & checking account with direct deposit and bill pay. Log in to the app or GO2bank.com to find a free in-network ATM near you. Our information is based on independent research and may differ from what you see from a financial institution or service provider. No fee. For this example, well use the available interest rates for each type of savings account, start with a $5,000 initial deposit, and calculate the amount of interest earned over one year, three years, and 10 years. What are the ATM fees and limits? 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