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the banking app built for everyday people
Overdraft protection
up to $200
with eligible direct deposits and opt-in** Opt-in required. Account must have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. 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).
Say no to
monthly fees
Say yes to keeping more of your money with no hidden fees and no monthly fees after eligible direct deposit.** Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise, $5 per month. Otherwise, $5 per month.
Get your
money fast
When it comes to getting your money in your account, early is right on time. Get your pay up to 2 days early and governments benefits up to 4 days early with direct deposit.** 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.
Stay covered with up to $200 of backup
We’ve all been there - that panic at the register, worrying if you’ve got enough to cover expenses. Your go-to has your back with up to $200 in overdraft protection after eligible direct deposits and opt-in.** Opt-in required. Account must have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. 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).
Keep your money safe
It’s your money - only you should have access to it. Keep your money and account info safe with:
Easy card lock/unlock** Previously authorized transactions and deposits/transfers to your account will function with a locked card.
Chip-enabled card
Climb to better credit with no annual fee
Your credit-building journey starts here with your go-to. Build your credit with the GO2bank Secured Visa® Credit Card. No annual fee** Annual Percentage Rate is 22.99% and is accurate as of 12/1/2022. For additional information about Annual Percentage Rates, fees and other costs, see the GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF)., no credit check** Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply., and no impact to your credit when you apply.
Free ATMs 
here, there, everywhere
Withdraw cash for free at thousands of ATMs nationwide.** 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.
See why people love us
A 4.50% APY savings rate 
to save the day
Make quick work of your savings goals with a high-yield savings account and interest paid quarterly on up to $5,000.** Interest paid quarterly on the average daily balance of all savings during the quarter up to a $5,000 average daily 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) and 4.41% interest rate are accurate as of (December 2024). APY and interest rate may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The national deposit rate for savings accounts is used when stating GO2bank savings accounts “Earn well over the national savings rate average”. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.
Your cash deposit spot is nearby
Deposit cash with your card or the app at a nearby retailer, with 90,000+ locations nationwide.** Retail service fee up to $4.95 and limits apply.
Cash checks fast or for free
Just snap a pic with your phone and get your money in minutes for a fee, or in 10 days for free.** Activated, chip-enabled debit card required to use Ingo Money check cashing service. The check cashing service is provided by Ingo Money, Inc. and the sponsor bank, identified in the terms and conditions for the service and subject to Ingo Money Inc. Terms and Conditions and Privacy Policy. Limits apply. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See Deposit Account Agreement (PDF) for details. Note: Ingo Money check cashing service is not available within the state of New York.
Earn up to 7% instant cash back
Buy eGift Cards from over 100 popular merchants in the app to earn instant cash back.** Activated, chip-enabled debit card required to purchase eGift Cards. Active GO2bank account required to receive eGift Cards. eGift Card merchants subject to change. See Deposit Account Agreement (PDF) for details.
This way to early payday
Get your pay up to 2 days early** 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.