The ultimate mobile bank account
Credit building
with no annual fee*
Overdraft protection
up to $200*
Apply or opt in after eligible direct deposits
Say no to monthly fees
Say yes to keeping more of your money with no hidden fees and no monthly fees after eligible direct deposit.* Otherwise, $5 per month.
Get your money fast
When it comes to getting your money in your account, early is right on time. Get your pay up to 2 days early and governments benefits up to 4 days early with direct deposit.*
Keep your money safe
It’s your money – only you should have access to it. Keep your money and account info safe with:
Easy card lock/unlock*
Fraud alerts via text message*
Chip-enabled card for extra protection
Free ATMs here, there, everywhere
Earn well over the national savings rate average
High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.
Earn up to 7% instant cash back
when you buy eGift Cards from over 100 popular merchants in the app.
Cash checks fast or for free
Just snap a pic with your phone and get your money in minutes for a fee, or 10 days for free.
Your cash deposit spot is nearby
Deposit cash with your card or the app at a nearby retailer, with 90,000+ locations nationwide.
This way to early payday
Get your pay up to 2 days early*
Go2bank Disclaimer
Opt-in required. Account must have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $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 a fee. Learn more (Overdraft Protection PDF).