GO2bank Debit Card review: fees, limits and how it works
Former AccountNow and prepaid users who want early pay and a path to building credit
Quick answer: GO2bank is a mobile bank account from Green Dot Bank with a Visa debit card. It costs $0 a month if you received a payroll or government benefits direct deposit in the previous statement period, and $5 otherwise. It suits people paid by direct deposit who want early pay and an optional secured credit card.
Best for: Former AccountNow and prepaid users who want early pay and a path to building credit
Pros
- Early direct deposit (pay up to 2 days early)
- Secured card option
- Free in-network ATMs
Cons
- $5 monthly fee without direct deposit
- Overdraft fees can apply
What the GO2bank Debit Card costs per month
| If you… | Monthly cost | How it adds up |
|---|---|---|
| Payroll direct deposit, in-network ATMs only | $0 | The $5 monthly fee is waived after a payroll or government benefits direct deposit in the previous statement period, and in-network ATM withdrawals cost $0. |
| No direct deposit, one retail cash deposit | Up to $9.95 | $5 monthly fee without a qualifying direct deposit, plus a retail service fee of up to $4.95 for the cash deposit. |
| Direct deposit user, 2 out-of-network ATM withdrawals | $6 plus ATM owner fees | Monthly fee waived, plus $3 per out-of-network withdrawal (2 x $3). The ATM owner may charge its own fee, and balance inquiries at those ATMs cost $0.50 each. |
Who it suits
Good fit if
- Workers paid by direct deposit who qualify for the fee waiver
- Former AccountNow customers looking for a replacement
- People who want a secured credit card option alongside the account
Skip it if
- You have no direct deposit and would pay $5 a month
- You rely on out-of-network ATMs
- You load mostly cash at stores
Fees
| Monthly fee | $5 per month, waived with a payroll or government benefits direct deposit in the previous statement period |
| Other | $3 out-of-network ATM withdrawal; $0.50 out-of-network balance inquiry |
| Other | Retail cash deposit up to $4.95 |
| Card bought at a store | up to $2.95, plus a $20 to $500 initial deposit |
| Overdraft | free up to $10; for coverage up to $300, a $15 fee may apply per purchase not repaid within 24 hours |
How to get and load it
Download the app, or buy a card at a retail store.
- Direct deposit
- Retail cash deposit
- Bank transfer
- Mobile check deposit
Activation
Activate in the app and verify your identity. See our step-by-step activation guide.
Deposit protection and credit building
Protection: Cards issued by Green Dot Bank, Member FDIC. Deposits under the GO2bank, GoBank and Bonneville Bank names are combined for insurance limits.
Credit building: Yes. An optional GO2bank Secured Visa Credit Card with no annual fee is available to accountholders with at least $100 in direct deposits in the past 30 days.
GO2bank Debit Card FAQs
Does the GO2bank Debit Card have a monthly fee?
Monthly fee: $5 per month, waived with a payroll or government benefits direct deposit in the previous statement period. Other charges to check: $3 out-of-network ATM withdrawal; $0.50 out-of-network balance inquiry; Retail cash deposit up to $4.95; Card bought at a store: up to $2.95, plus a $20 to $500 initial deposit.
How do I activate the GO2bank Debit Card?
Activate in the app and verify your identity.
Is money on the GO2bank Debit Card insured?
Cards issued by Green Dot Bank, Member FDIC. Deposits under the GO2bank, GoBank and Bonneville Bank names are combined for insurance limits.
Does the GO2bank Debit Card build credit?
Yes. An optional GO2bank Secured Visa Credit Card with no annual fee is available to accountholders with at least $100 in direct deposits in the past 30 days.
How do I add money to the GO2bank Debit Card?
You can load it by direct deposit, retail cash deposit, bank transfer, mobile check deposit.
Official GO2bank (Green Dot Bank) site
Sources: www.go2bank.com · www.go2bank.com · www.go2bank.com. Fees change; confirm on the official fee schedule.