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The ultimate mobile bank account
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According to the FDIC, The "unbanked" in America represent 7.1 million households. These are people who do not have access to a checking or savings account.
 
GO2bank wants to change this by providing the underbanked with an affordable alternative. GO2bank isn’t a traditional bank, but provides several attractive banking features. 
 
GO2bank is Green Dot Bank’s digital banking initiative. GO2bank is a division of Green Dot Bank. GO2bank was started in January 2021 and shouldn’t be confused with GOBank, another Green Dot Bank brand. GO2bank is built to be the go-to destination for seamless, affordable, useful banking – combining the security, stability, and experience of an FDIC-insured bank with the innovation and agility of a leading fintech. GO2bank has the full backing of Green Dot Bank, which serves 33 million customers through its retail and direct-to-consumer debit card products.
 
GO2bank aims to serve people who don't have a checking or savings account, which was about 5.4% of households in 2019. Instead of being forced to utilize expensive check cashing options, they can turn to GO2bank. While GO2bank is not free, it's less expensive than some of the other non-bank alternatives. Applying to GO2bank doesn’t require a credit check or a credit score. 
 
To take advantage of up to $200 in overdraft protection, customers need to make multiple direct deposits within a span of 35 days. Customers have 24 hours to cover their overdraft at no charge. After that, the fee is $15. There are three levels of overdraft protection. Levels kick-in automatically depending on your direct deposit activity.
  • Basic — $10 of coverage for a single direct deposit of any amount.
  • Premium 100 — $100 coverage for at least two direct deposits of $200+ within a 35-day period.
  • Premium 200 — $200 coverage for at least two direct deposits of $400+ within a 35-day period.
 
When customers direct deposit their paycheck, they can access their funds up to two days early. Government benefits are available up to four days early. GO2bank is able to do this through its partnership with Plaid, which connects directly with a large number of payroll services. 
 
When you purchase eGift Cards from the nearly 100 popular merchants in the GO2bank mobile app, you can earn up to 7% cash back. You’ll earn 3% cash back on Amazon eGift Cards. For savings of up to $5,000, you’ll also earn 1% interest, which is well above the national savings rate. 
 

How Do I Open An Account?

You can visit the GO2bank website to open account. You'll need to provide your name, address, date of birth, Social Security number, and phone number during the application process. You'll also need to verify your identity by uploading your driver's license or other form of ID. If you're approved to open an account, G02bank says that your debit card should arrive within 7-10 days.
 

Is My Money Safe?

Yes, GO2bank’s deposits are FDIC-insured. Additionally, GO2bank monitors your account and will send a text message if it detects fraudulent activity. You can lock your card instantly through the mobile app. Your debit card is an EMV chip-enabled card.
 

How Do I Contact Go2bank?

Go2bank can be contacted by phone or live chat. Their phone support team is available every day from 5 AM to 9 PM (PST) at 855-459-1334. Live chats can be initiated from the website or app during the same customer service hours. 
 
If you don't have a traditional checking account and want access to banking features, such as check cashing or direct deposits, GO2bank is an excellent and free option. It can also be a great way to build credit, especially if you're willing to set up direct deposit into your GO2bank account to avoid the monthly fee. 
 
Pay your bills in a single app and find free ATM locations. Mobile banking at its best. No monthly fees with eligible direct deposit. Sign up today.
 
BONUS: Check out these other banking offers that are currently available while you are here!
 
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