Customer service e is horrible. 1. Fees are high. Monthly fee unless you have direct deposits. * When on a desktop, hover over * to view important disclosures. Ability to create up to five vaults, which can divide up savings goals. You must have the GO2bank primary bank account to open one or more vaults, and the only way to move money in or out is through transfers between the primary account and a vault. Transfer from another debit card to GO2bank. This doesnt influence our evaluations or reviews. All third-party names and logos are trademarks of their respective owners. Most services are online. 1 Get pay early Get your pay up to 2 days early or your government benefits up to 4 days early with direct deposit. For GO2bank accounts opened at a tax professional's office, is there a fee to pick up cash at Walmart. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. 2023 GO2bank. 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. Stay away from this bank. How many debit cards can I link to my GO2bank account? 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. Copyright document.write( new Date().getFullYear() ); Santa Barbara Tax Products Group, all rights reserved. They advertise use of an overdraft fund up to $200 for emergencies. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation. You can read their supposed benefit package and marketing points and you will see it does not not explain that a $15 charge per transaction will be applied to your total overdraft limit. Contact Green Dot Bank by calling (866) 795-7597 or the number on the back of your Card, by mail at P.O. 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. Mobile number verification, email address verification and mobile app are required to access all features. Overdraft fees can add up: $15 per instance, up to 10 per quarter. What if I cant find my bank in the bank selection screen? Downsides: Ratings are rounded to the nearest half-star. 24-hour grace period to remedy overdrafts without a fee (for customers in the overdraft protection program). All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Partner terms and conditions apply. The scoring formulas take into account multiple data points for each financial product and service. Transfer your funds to a U.S. bank account using the bank transfer feature. Limits apply to bank transfers. How do I link another bank account to my GO2bank account? SeeDeposit Account Agreement (PDF). See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Subject to your bank's restrictions and fees. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more. How much does it cost to transfer money from a linked debit card to my GO2bank account? His work has been featured by USA Today and the Los Angeles Times.Read more. Can I set up a transfer for a future date or set up a recurring transfer. There is a $15 overdraft fee on overdrafts over $5, however Go2Bank will waive the fees if you bring your account back to a positive balance within 24 hours of your first overdraft transaction. GO2bank is an all-digital bank, so there are no branches. Transfer limits and timelines Initiate or cancel a transfer Add your bank account or debit card to transfer funds Account and routing numbers Manage your debit card Dispute a transaction Lifetime access Mobile app 1. About us. To do this, many or all of the products featured here may be from our partners. GO2bank cards are 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. No standard alternative overdraft programs. Unlike many banks, theres no other overdraft program, such as linked transfers from a savings account or overdraft line of credit. All rights reserved. Overdraft fees can add up: $15 per instance, up to 10 per quarter. All financial products, shopping products and services are presented without warranty. However, there are other neobanks where accounts earn interest on higher savings balances, allow cash deposits and have no monthly fee. Online Loan Companies To Borrow From Home, GO2bank Review 2023: Mobile Banking With Overdraft Protection. All third-party names and logos are trademarks of their respective owners. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Instant transfer: If instant transfers are available on your account, you can send funds to your linked, external bank account 24 hours a day, seven days a week, for a 1.5% fee per transfer. In rare cases, including GO2bank's, the neobank is officially a bank. ACIBGO01 The Way2Go Card Leading the way to wherever you want to go. Mobile check deposit is either free or fast, but not both. 3 Opt-in required. The name and Social Security number on file with the Internal Revenue Service must match your GO2bank account exactly or we will decline your deposit., Fees and limits apply to debit card transfers. GO2bank lets you deposit cash at about 90,000 locations of big-brand retailers such as Walmart and CVS, for a fee of up to $4.95. Spencer Tierney is a consumer banking writer at NerdWallet. Is there a limit on the amount I can transfer from my linked debit card to my GO2bank account. Open the Wallet app on an iPhone. If you get the debit card at a store instead, itll cost you up to $2.95 to buy the plastic, and $20 is the minimum initial deposit. Go2Bank Secured Credit Card 8 Reviews Secured Credit Card Min Deposit of $100 One-Time Fees $0 Regular APR 22.99% annual fee $0 monthly fee $0 minimum credit Bad Credit Hide Details Want more credit card options? These owners are not affiliated with Green Dot Corporation and have not sponsored or endorsed Green Dot Bank products or services. Can I transfer money from my GO2bank account to another bank account? Subject to your bank's restrictions and fees. 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Credit Repair Explained: Should You Pay For Help? GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Can't find your answer? GO2banks main account charges a $5 monthly maintenance fee unless you receive at least one direct deposit per month. 2 Overdraft protection As such, the availability or timing of early direct deposit of your federal tax refund may vary. Open an account. View Cards GO2bank Credit Card Reviews 5 30% 4 28% 3 22% 2 The average national savings account interest rate of 0.30% is determined by the FDIC as of 1/11/23. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Free ATM network. Your wireless carrier may charge a fee for data usage. Next, tap the three-dot "More" button and select Daily Cash. Account must be in good standing and chip-enabled debit card activated to opt in. Online Banking - Checking Account - Direct Deposit | GoBank .) This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Mobile check deposit is either free or fast, but not both. What happens if I schedule a recurring transfer for a date that doesnt occur every month, like the 31st. The wallet will then link to your bank account, and you can transfer your balance over whenever you wish. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Tap the Apple Card. Many online savings accounts pay interest monthly, which helps you compound and earn more money off your balance. Fees and limits may vary or are subject to change. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Log in to the GO2bank app or GO2bank.com to find a free ATM location near you. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. For overdraft protection customers who have a negative balance beyond the grace period and its more than $10, GO2bank charges $15 for each debit card purchase that makes or keeps an account negative, up to 10 times per three-month period. Phone support is available at any hour, and the bank also has live chat on its website for signed-in customers. Instead, GO2bank pays interest every three months. Limits apply. Prize: $1,000 to be awarded as credit or a check. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739. You can receive direct deposits up to two days early (or four days early, in the case of government checks) compared with traditional banks. When a purchase would result in a negative balance, the bank can cover up to that amount to let the transaction go through. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. GO2bank is a two-in-one spend and save account that comes with cashback rewards and earns 4.5% APY on up to $5,000 kept in your savings account. Can I transfer money from another bank account to my Green Dot account? Fees on your primary deposit account may reduce earnings on your savings account. Once your account is created, you'll be logged-in to this account. Downside: Fee: Expedited Card Replacement ($10.00) We believe everyone should be able to make financial decisions with confidence. Is there a limit to how much I can transfer with a bank transfer? 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. Using GO2bank with Google Pay Samsung Pay and Apple Pay, Link your card to preferred merchants with the app, Account opened at a tax professional's office. Check card eligibility and requirements at MoneyPak.com. Within minutes, your funds will be available in your account. When evaluating offers, please review the financial institutions Terms and Conditions. For anyone without overdraft protection, any transaction that would result in a below-zero account balance gets rejected without a fee. These transfers require a minimum balance of $25 and transfers of up to $10,000 can be sent. We also get your email address to automatically create an account for you in our website. You'll then be paid from Pinecone Research into that wallet. Like the firms first banking enterprise, GoBank, GO2bank has a checking account with separate savings subaccounts called vaults. 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