How many debit cards can I link to my GO2bank account? Additional limits on the amount and frequency of transfers may be placed for the security of your Savings account. 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. * Your first Monthly Membership fee will be automatically deducted from your account 30 days after you open an account. 7 Retail service fee and limits apply. The Gusto Cash Account, savings goals, spending account, and debit card program is issued by nbkc bank, Member FDIC. 2. 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. 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. Fees and limits apply. NerdWallets overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking experience and overdraft fees. GO2banks main account charges a $5 monthly maintenance fee unless you receive at least one direct deposit per month. Fee: Expedited Card Replacement ($10.00) $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. He has covered personal finance since 2013, with a focus on certificates of deposit and other banking-related topics. Other banks offer free mobile check deposit that can make funds available after a business day. 8 See app for free ATM locations. When evaluating offers, please review the financial institutions Terms and Conditions. Need to mail money to someone? See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. See Deposit Account Agreement (PDF)for details. 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. Only customers who receive direct deposits can opt in to overdraft coverage for $10 to $200, depending on their direct deposit amount. Your purchases or deposits will be subject to any existing restrictions on the account, regardless of which payment method you used. Tap Set Up next to Savings and follow the onscreen instructions. Send cash quickly and conveniently to almost anyone, anywhere in the U.S. Log in to the GO2bank app or GO2bank.com to find a free ATM location near you. 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. Many other banks allow free and faster transfers through Zelle. Transfer your funds to a U.S. bank account using the bank transfer feature. 2023 GO2bank. Number of Links to External Account - In order to initiate transfers, you must set up a link to an external account. All third-party names and logos are trademarks of their respective owners. Mobile check deposit is either free or fast, but not both. Upsides: Mobile-focused banking with high ratings. Open an account. SeeDeposit Account Agreement (PDF), Log in to your account at GO2bank.com or in the GO2bank app and select "Move money", Select "Debit card transfer" to link a debit card, Follow the simple instructions to complete your transfer, You'll see the money in your account in minutes** Fees and limits apply to debit card transfers. Most services are online. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. MasterCard and the MasterCard Brand Mark Can I transfer money from someone elses bank account to my GO2bank account? Samsung is a registered trademark of Samsung Electronics Co., Ltd. 2023 Green Dot Corporation. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. A $3.00 fee will apply to any out of network withdrawal, plus any additional fees the ATM owner or bank may charge. Transfer money from a linked debit card or bank account; Apply for a secured Visa credit card and build credit; . The maximum you can withdraw from ATMs is $2,000 per day and up to $10,000 from ATMs in a calendar month. GO2bank is Green Dot's flagship digital bank. , GO2bank has a checking account with separate savings subaccounts called vaults. Neither Green Dot Corporation, Visa U.S.A. nor any of their respective affiliates are responsible for the products or services provided by Ingo Money and Plaid, Inc. 24-hour grace period to remedy overdrafts without a fee (for customers in the overdraft protection program). All third-party names and logos are trademarks of their respective owners. SeeDeposit Account Agreement (PDF), Fee: 3% of the amount transferred (min of $2.00). See Deposit Account Agreement (PDF) for details. 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. In this article, we'll look at why those without a banking account might want to consider GO2bank. 3 Opt-in required. Limits apply to bank transfers. Disclaimer: NerdWallet strives to keep its information accurate and up to date. No overdraft fees for most types of transactions. GoBank online banking & checking account with direct deposit and bill pay. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. There's also a limited cash-back program for purchasing online gift cards. Active GO2bank account required to receive eGift Cards, eGift Card merchants subject to change, as well as the percentage of cash back from each merchant. Nia L Liv. $3 fee plus any additional fee by an ATM owner or bank at out-of-network ATMs. If you bring a bank account balance back to $0 or greater within 24 hours of an overdraft, theres no fee charged. GO2bank is an all-digital bank, so there are no branches. GO2bank is Green Dot's flagship digital bank. GO2bank is a trademark of Green Dot Corporation. GO2bank is Green Dot's flagship digital bank. Monthly fee unless you have direct deposits. Interest paid quarterly. Cash deposits are limited to $2,500 per day and $3,000 per 30 days, subject to a maximum account balance of $50,000. 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. Can I transfer money from outside the U.S.? A $15 fee may apply to each eligible purchase transaction that brings your account negative. Consider these details before opening an account. The mobile-focused banks biggest perks are the high savings rate (on up to $5,000) and the ability to deposit cash at certain retailers. Solid rate for up to $5,000. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. Mobile number verification, email address verification and mobile app are required to access all features. Pre-qualified offers are not binding. Can I transfer money from my Green Dot account to another bank account? These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. Activated, personalized debit card required to make a bank transfer. 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. PO Box 508 West Chester, OH 45071 | A Green Dot Company NMLS ID 914924 | Technology Privacy Statement, $0 whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period, otherwise $5 per month, Transfer money from a linked bank account, 3% of the amount transferred (min of $2.00) added to transfer amount, 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. What do I do if I have a question about my Fast Cash Advance or tax refund? How much does it cost to transfer money from a linked debit card to my GO2bank account? Funds deposited in these accounts are usually federally insured through partner banks, which will also typically receive customers money if a neobank closes, so customer funds are safe. The College Investor does not offer investment advisor or brokerage services, nor does it recommend buying or selling particular stocks, securities, or other investments. 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. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. Next, tap the three-dot "More" button and select Daily Cash. 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. The ultimate in value and convenience: No monthly fees with eligible direct deposit, otherwise $5 per month No hidden fees Overdraft protection up to $200, with opt-in and eligible directs Fees and daily withdrawal limits apply. At The College Investor, we want to help you navigate your finances. For all GoBank accounts, you must be at least 18 years of age. Up to five savings vaults. GO2bank is a neobank by Green Dot, a financial technology company with the rare benefit of having a banking license to provide federal deposit insurance. Customers can either have a check deposit thats free but takes 10 days to receive funds, or pay a fee of 1% to 5% of the check amount to receive funds within minutes. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners. The mobile-focused banks biggest perks are the high savings rate (on up to $5,000) and the ability to deposit cash at certain retailers. 1 Monthly fee waived whenever taxpayer receives a payroll or government benefits direct deposit in the previous monthly statement period. GO2bank is a trademark of Green Dot Corporation. Learn more(Overdraft Protection PDF). live customer service, ATM balance inquiries, funds transfers, or cash withdrawals for 365 consecutive days. All rights reserved. rate applies only to the first $5,000 across all savings vaults, making the maximum you can earn $125 a year. 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. Many or all of the products featured here are from our partners who compensate us. Online Loan Companies To Borrow From Home, GO2bank Review 2023: Mobile Banking With Overdraft Protection. All rights reserved. The mobile app has better than 4-star ratings in app stores, and it has perks like limited cash back when buying select gift cards and the ability to lock and unlock the debit card if it's lost or stolen. Help Center. Many neobanks with similar accounts dont have monthly fees. No standard alternative overdraft programs. About 90,000 retail locations for cash deposits and 19,000 fee-free ATMs. The Debit MasterCard Way2Go Card is issued by Comerica Bank pursuant to a license from MasterCard International Incorporated. All financial products, shopping products and services are presented without warranty. We believe everyone should be able to make financial decisions with confidence. Void where prohibited. No fee for being overdrawn by $10 (for customers in the overdraft protection program). He is based in Berkeley, California. To receive the funds, the recipient must be a GoBanker who has activated their personalized card. Subject to your bank's restrictions and fees. 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