GO2bank Checking

in Checking Accounts from Green Dot Corporation · fdic

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GO2bank Checking


in Checking Accounts from Green Dot Corporation · Member FDIC

SuperMoney Net Recommendation Score +63


This product is strongly recommended by SuperMoney users with a score of +63, equating to 4.3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

11 users recommend
4 users are unsure
1 user doesn't recommend
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Community Rating Strongly recommended
Cashback Rewards N/A
APY (Annual Percentage Yield) 1%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee N/A
Number of Reviews 16

GO2bank Checking Review

GO2bank Checking is offered by Green Dot Corporation, a bank founded in 1999 and based in Pasadena, CA. It is made possible by a bank partnership with Green Dot Bank, member FDIC. GO2bank Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • Higher than average APY. GO2bank Checking has an annual percentage yield of up to 1%, which is higher than the national average interest rate on savings accounts.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. GO2bank Checking does not charge fees on ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Green Dot Corporation.
GO2bank Checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No signup bonus.
  • Online-only account with no access to physical branches.
GO2bank Checking FAQ

Are checking accounts from Green Dot Corporation federally insured?

Yes, this account is insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #22653). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does GO2bank Checking offer?

GO2bank Checking Rates & Terms
APY (Annual Percentage Yield) 1%

GO2bank Checking offers an APY of 1% (APY stands for annual percentage yield, rates may change).

What are the account minimums for GO2bank Checking?

GO2bank Checking does not require a minimum initial deposit.

GO2bank Checking Minimums
Minimum Direct Deposit to Avoid Monthly Fee $0.01
Minimum Opening Deposit $0

What fees does GO2bank Checking charge?

The good news is that this account does not have a monthly Service Charge.

GO2bank Checking Fees
ATM Fee: In-Network $0
Check Cashing Fee $5
Monthly Fee $0
Overdraft Item Fee $15
Overdraft Protection Fee (per transfer) $15

Does GO2bank Checking charge overdraft fees?

Yes, GO2bank Checking charges a $15 fee for every overdraft.

GO2bank Checking offers overdraft protection at a cost of $15 per transaction.

What features and perks does GO2bank Checking offer?

This account includes the following features:

  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - GO2bank Checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

How do people rate the customer service and user experience of GO2bank Checking?

Overall, GO2bank Checking is strongly recommended based on community reviews that rate customer service and user experience.

GO2bank Checking Disclosure: i Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise $5 per month. ii Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 1.00% Annual Percentage Yield (APY) as of October 2021. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.06% is determined by the FDIC as of 10/18/21. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit to learn more. iii The GO2bank account comes with a Visa Debit card. If you open an account online, there is no fee or minimum balance requirement. If you open an account by getting a GO2bank debit card in a store, then there is a purchase fee and an initial deposit of $20 - $500 required. Activated, chip-enabled debit card and opt-in required. $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid the fee. We require immediate payment of each overdraft and overdraft fee. Overdrafts paid at our discretion, and we do not guarantee that we will authorize and pay any transaction. Learn more about Overdraft Protection (PDF). v See app for free ATM locations. $3 for out-of-network withdrawals. ATM owner may also charge a fee. ATM limits apply. vi Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From GO2bank Checking

Get your government benefits up to 4 days early.
It’s easy to set up. Plus, you’ll unlock these exclusive features:
No monthly fees with eligible direct deposit, otherwise $5 per month.
Overdraft protection up to $200 with opt-in and eligible direct deposit.
Build credit with responsible use over time with our Secured Visa® Credit Card.


  • Headquarters
  •   3465 E Foothill Blvd
    Pasadena, CA 91107
  •   Visit Site

Hours of Operation

  • Sunday 5:00am - 9:00pm
  • Monday 5:00am - 9:00pm
  • Tuesday 5:00am - 9:00pm
  • Wednesday 5:00am - 9:00pm
  • Thursday 5:00am - 9:00pm
  • Friday 5:00am - 9:00pm
  • Saturday 5:00am - 9:00pm

About GO2bank Checking


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Direct Deposit to Avoid Monthly Fee $0.01
Minimum Opening Deposit $0
ATM Fee: In-Network $0
Monthly Fee $0
Check Cashing Fee $5
Overdraft Item Fee $15
Overdraft Protection Fee (per transfer) $15
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Mobile Banking
  • Debit Card Lock/Unlock
  • Debit Card
  • Member FDIC
  • Online-Only Account
APY (Annual Percentage Yield) 1%

GO2bank Checking Community Reviews


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This product is strongly recommended by SuperMoney users with a score of +63, equating to 4.3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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