Is GO2bank Checking the right fit for you?
Last Updated: 03/18/2026
SuperMoney User Recommendation Score +67
Strongly recommended42 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
N/A(Verified 03/18/2026)
Cashback Rewards
Up to 7.0%
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APY (Annual Percentage Yield)
Up to 4.5%(Verified 03/18/2026)
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Monthly Service Fee
$0 - $5(Verified 03/18/2026)
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Number of Reviews
GO2bank Checking Review
The GO2bank Checking is offered through Green Dot Bank, 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
- $50,000 tax refund sweepstakes. You're automatically entered to win when you direct deposit your tax refund to your GO2bank account*
- Get your pay up to 2 days early with direct deposit. Get your government benefits up to 4 days early.* Plus, direct deposit unlocks exclusive perks!
- Overdraft protection up to $200 with opt-in and eligible direct deposits*
- Up to 4.5% annual percentage yield (APY). This account offers an annual percentage yield of up to 4.5%, which is much higher than the average for the checking accounts that we track (see terms and conditions for more details).
- No monthly maintenance fee. Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise $5 per month.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. GO2bank Checking does not charge fees on ATM transactions within its network but there is a fee of $3.00 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Green Dot Bank mobile or online banking.
GO2bank Checking Pros & Cons
| Pros | Cons |
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GO2bank Checking FAQ
Are GO2bank Checking deposits federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) through Green Dot Bank, member FDIC . 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 offers an APY up to 4.5% (APY stands for annual percentage yield, rates may change).
Interest paid quarterly on the average daily balance of all savings during the quarter up to a $5,000 average daily balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 4.50% Annual Percentage Yield (APY) and 4.41% interest rate are accurate as of (March, 2026). APY and interest rate may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The national deposit rate for savings accounts is used when stating GO2bank savings accounts “Earn well over the national savings rate average”. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.What are the account minimums for GO2bank Checking?
GO2bank Checking does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does GO2bank Checking charge?
Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise $5 per month.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Waiver Requirements | Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise $5 per month. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does GO2bank Checking charge overdraft fees?
Yes, GO2bank Checking charges a $15 fee for every overdraft.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 checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for GO2bank Checking?
The customer support email for GO2bank Checking is info@greendot.com.
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: Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise $5 per month.
Interest paid quarterly on the average daily balance of all savings during the quarter up to a $5,000 average daily balance and if the account is
in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 4.50% Annual Percentage Yield (APY)
and 4.41% interest rate are accurate as of (March, 2026). APY and interest rate may change before or after you open an account. See
Deposit Account Agreement (PDF) for terms and conditions. The national deposit rate for savings accounts is used when stating GO2bank
savings accounts “Earn well over the national savings rate average”. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.
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.
See app for free ATM locations. $3 for out-of-network withdrawals. ATM owner may also charge a fee. ATM limits apply.
Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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
Other Services by Green Dot Bank
Other Checking Accounts from Green Dot Bank
Sponsored
Walmart MoneyCard Account
Sponsored
Bonus Offer
N/A
Cashback Rewards
1% - 3%
APY (Annual Percentage Yield)
Up to 2%
Monthly Service Fee
$5.94
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SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +67, or 4.3 on a 5-point rating scale.
+67
-1000+100
No one recommends
Everyone recommends
GO2bank Checking Community Reviews
Would you recommend GO2bank Checking to your friends?
Cirilo larios L.
Jan 6, 2025
May or may not recommend
Tengo una cuenta Yes flexible lo recomiendo o pueden probarlo tendría un compromiso y ya verán si es Bueno o no
Aaron A.
Jul 27, 2024
May or may not recommend
Claro que si es muy buena ayuda y te mejora el crédito
CC
Cristin C.
Nov 29, 2023
May or may not recommend
I got a prepaid card from CVS and had to add $20 after 24 hrs the card will still not activate and CVS will not refund the money. I have to request a refund from go2bank what an inconvenience!!
ID
Irene D.
Nov 9, 2023
May or may not recommend
GO2 Bank makes the process of financing easier using their app. The are no physical banks, everything is using the app and it’s really easy to use and helpful. Definitely a recommend!
Marissa
Oct 24, 2023
May or may not recommend
I've had some trouble with the mobile app. It lacks some features that other user-friendly banking apps have. It has limited services compared to other banks as well.
U
Anonymous
Aug 6, 2023
May or may not recommend
Todavía no e recibido el dinero lo estoy esperando o ustedes me envían por correo una tarjeta de débito o libreta de cheques
HS
Helene S.
Jul 15, 2023
May or may not recommend
The go 2 bank
Is green.bank i receive every month my SSI
Early then give me more credit $200 monthly to use overdrawn, and cover me immediately without any problems
TW
Tyler W.
Jun 15, 2023
May or may not recommend
Yes I love this place it’s very respectful and helpful
HN
Haley N.
Jun 10, 2023
May or may not recommend
GO2bank makes the process of managing finances as simple as possible.
U
Anonymous
Mar 27, 2023
May or may not recommend
I have a account with them and they help me no problems
MS
Marcus S.
Mar 24, 2023
May or may not recommend
Good banking to have for a checking account very great
GO
Georgina O.
Feb 22, 2023
May or may not recommend
Yes I want a loan any options filled out woukd have be in this time
RA
Rahab A.
Feb 3, 2023
May or may not recommend
GO2bank is an all-digital bank, so there are no branches. 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
Jamshaid A.
Feb 2, 2023
May or may not recommend
While working one summer, I started using direct deposit. Not receiving a check in the mail or in person was a novel experience. When you have direct deposit, this app can unlock benefits! Aside from that, some people consider the overdraft protection to be a lifesaver! People occasionally forget how much money they have in their account! People may rest easy knowing they won't incur fines or anything else that ...Show More
JA
Junaid A.
Jan 26, 2023
May or may not recommend
While working one vacation, I started using direct deposit. Not receiving a check in the mail or in person was a totally new experience. When you have direct deposit, this app can unlock advantages! Apart from that, some people consider the overdraft protection to be a lifesaver! People regularly forget how much money they have in their account! People may rest easy knowing they won't suffer fines or anything else ...Show More
U
Anonymous
Jan 25, 2023
May or may not recommend
Good bank to go to to build your credit to you
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I would recommend it this checking account to anybody it's absolutely amazing
U
Anonymous
Nov 23, 2022
May or may not recommend
its a great bank to bank with tottaly recommend it
U
Anonymous
Nov 17, 2022
May or may not recommend
Worked wl with me I enjoy banking with them I never had issues
JM
Janice M.
Oct 28, 2022
May or may not recommend
I would recommend it this checking account to anybody it's absolutely amazing
Showing 20 of 42 reviews
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