Turn your money into more money with our 4.50% APY

When every penny counts, make your money go farther. Put what you can in a high-yield savings account and we’ll help that money grow. Earn well over the national savings rate average.^*^*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.

Open an account

Let the saving begin

Today’s a great day to start taking advantage of our great 4.50% APY.^*^*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. Learn how easy it is to open your own savings account.

Start saving

Save more of your money for what really matters

No monthly fees with eligible direct deposit, otherwise $5 per month^*^*Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise $5 per month.

No ATM fees in our free nationwide ATM network^*^*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.

No fees or minimum balance required to open an account online

We believe surprises should be for good things, not bank fees

So, here’s a straightforward list of fees.

Features

Simple fees

Open an account: Online

Free

Open an account: Purchase a card at a retail store

One-time purchase price of up to $2.95. Initial deposit of $20-$500 required

Monthly fee

$0 whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period, otherwise $5 per month

Direct deposit

Cash deposit

Up to $4.95 retail service fee

Transfer money from a linked bank account

Transfer money from a linked debit card

3% of the amount transferred (min of $2.00) added to transfer amount

Cash a check with the app

1% or 5% of check amount for money in minutes, depending on check type ($5 minimum fee per check); $0 for money in 10 days

In-network ATM withdrawal or balance inquiry

Out-of-network ATM withdrawal

$3 per transaction

Out-of-network ATM balance inquiry

$0.50 per transaction

Teller cash withdrawal

$3 per transaction

Funding transaction fee

1.75% of the amount transferred, rounded to the nearest cent, subject to a minimum fee of $0.49 cents and up to a maximum of $25 per transfer. This fee is charged when you fund an external account from your GO2bank account.

Overdraft protection fee

$15 fee may apply for each purchase transaction not repaid within 24hrs of authorization of first transaction that overdraws account. Learn more about Overdraft Protection (PDF)

Replacement card (for lost, stolen or damaged card)

Expedited delivery of replacement debit or secured credit card

$24.95

Foreign transaction fee

3% of total transaction amount

* When on a desktop, hover over * to view important disclosures. When on a mobile device, click on * to view disclosures.

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 GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions.

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.

GO2bank is Green Dot's flagship mobile bank account. Green Dot has serviced more than 80 million accounts over the last 24 years.

GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. 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.

All third-party names and logos are trademarks of their respective owners. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services.

Neither GO2bank, Green Dot Corporation, Visa U.S.A. nor any of their respective affiliates are responsible for the products or services provided by Atomic, Extole, Experian, Ingo Money, Plaid, Q2 Software or any eGift Card merchants. Partner terms and conditions apply.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. 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.