Go2 Bank Account Review

The Good

• No Credit Check Needed
• Overdraft Protection Available
• Early Access to Paychecks
• Strong Security Measures
• Access to a Nationwide ATM Network Without Fees
• Rewards and Cash Back Opportunities

No Credit Check Needed

Opening a GO2bank account doesn't require a credit check or a minimum credit score. This makes it accessible to people with poor or no credit history, simplifying account approval.

Overdraft Protection

GO2bank provides overdraft coverage of up to $200 if you enroll in direct deposit and opt-in for the service.

The level of overdraft protection depends on your deposit activity:

• Basic: $10 overdraft for any single direct deposit
• Premium 100: $100 overdraft when you have two or more direct deposits totaling $200 or more within 35 days
• Premium 200: $200 overdraft for two or more direct deposits totaling at least $400 in 35 days

Early Paycheck Access

With ASAP Direct Deposit™, your paycheck can be available up to two days early. Government benefit payments can arrive as much as four days in advance.

Security and Protection

GO2bank accounts are FDIC-insured, and the funds are held by Green Dot Bank, which manages GO2bank and GoBank brands. This means your money isn’t stored at unknown third-party banks.

The GO2bank app also provides fraud alerts and allows you to instantly lock or unlock your card if suspicious activity occurs.

Nationwide Fee-Free ATM Access

GO2bank customers can withdraw cash at no cost from a large network of ATMs across the country. This is a standout feature because many mobile banks charge fees for ATM withdrawals.

Keep in mind: withdrawals from ATMs outside GO2bank's network come with a $3 fee, and checking your balance at out-of-network ATMs costs $0.50 per inquiry.

Cash Back Rewards

GO2bank offers instant cash back on eGift Card purchases via its app:

• Up to 7% cash back from a wide range of popular retailers
• 3% instant cash back on Amazon eGift Card purchases

Lack of Detailed Website Information

While GO2bank's website is straightforward to use, it doesn't provide comprehensive details about account features and service terms, making it harder for users to understand exactly what they’re signing up for.

Limited Customer Support Options

Reaching GO2bank’s customer service can be challenging. There’s no direct email contact, and the listed phone number mainly provides automated responses focused on account management (such as checking balances or reporting lost cards), rather than offering help for general inquiries.