Take control of your spending with integrated tools such as automated budgeting, upcoming due date alerts, low balance alerts and more, available in the US Bank Smartly Checking mobile app. Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. All checks are subject to approval for funding in Ingo Money's sole discretion. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Access 24/7 support and get daily balance and transaction alerts. Optional, only if you want us to follow up with you. GO2bank cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. . We may also receive compensation if you click on certain links posted on our site. Receiving ACH payments allows for direct bank transfers, but getting users to connect their accounts can be a cumbersome process. Aside from banks, third-party apps, such as PayPal, which allow you to pay friends without cash, also use the ACH network. An activated, personalized debit card is required to make a bank transfer. Plus, there are also ACH period limits as in, there may be daily or monthly limits, depending on your financial institution. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. Funds will be received by the recipient's bank either the next business day or within 3 business days. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. See your Deposit Account Agreement for additional details and limits and fees. Get ATM free reimbursements at all domestic ATMs. However, this is a recent shift, and your incoming ACH transfer limits may still average around $25,000. All rights reserved. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Limits apply. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. See, Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Also get budgeting tools, early direct deposit and up to 15x cashback points. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. 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. 5:00 p.m. Read more Transfer type. Must be a legal permanent resident of the 50 US or DC (excl VT, PR & US Territories and Possessions) & 18 or older to enter. 4.50% Annual Percentage Yield (APY) as of January 2023. When you open Checking and Savings with direct deposit, youll enjoy a host of benefits, from zero account fees to a competitive APY. How can we help? Partner terms and conditions apply. Get your paycheck up to 2 days early with direct deposit. Partner services. Can I set up a transfer for a future date or set up a recurring transfer? Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. For all GoBank accounts, you must be at least 18 years of age. How do I link another bank account to my GO2bank account. All rights reserved. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. The name and Social Security number on file with your employer or benefits provider must match your GO2bank account exactly or we will decline your deposit. 3 These transactions may take up to 4 business days for processing. App Store is a service mark of Apple Inc. Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries. You may withdraw up to $500 per day using your GO2bank debit card, provided you have funds available in your account. Can I transfer money from outside the U.S.? ** Retail service fee and limits apply. If you have a checking or savings account or a bank debit card, use it to add money to your Netspend card account. ** Activated, chip-enabled debit card required to purchase eGift Cards. Withdraw cash for free at thousands of ATMs nationwide** See app for free ATM locations. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. GO2bank does not. Partner terms and conditions apply. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. 2023 GO2bank. Apply for a RushCard and enroll in. GO2bank touts up to $200 in overdraft protection. Unlike most rewards debit cards, youll only earn cashback when you buy e-gift cards from select retailers from Go2Banks app or the merchants website. no hidden fees** See our simple fees chart. The daily limit is $1,000 per day for personal checks. Use this table to compare GO2bank to other popular accounts. Log in to link a debit card** Fees and limits apply to debit card transfers. Transfers post in just 3 business days by 10pm PST. Add your GO2bank debit card to Apple Pay, Google Pay and Samsung Pay. Log in to the GO2bank app or GO2bank.com to find a free ATM location near you. GO2bank's mission is to serve the underbanked. Approval usually takes 3 to 5 minutes but can take up to one hour. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Log in to the GO2bank app or GO2bank.com to find a free ATM location near you. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Funds are protected from unauthorized transactions on successfully activated cards. Then, you can transfer money from that bank account to your GO2bank account for free. Rules and other restrictions apply. You can't withdraw your money by making ACH transfers or transferring money to a bank account or debit card. Just snap a pic with your mobile device. Referring GO2bank accountholder and referred individual GO2bank accounts must both be in good standing to be eligible for and receive a reward. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. A $3.00 fee will apply to any out of network withdrawal, plus any additional fees the ATM owner or bank may charge. The fine print on ACH transfers, including timing and fees. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Buy the e-gift card using your GO2bank balance. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Account must be in good standing and chip-enabled debit card activated to opt in. ACH transfers can be conducted on a same-day or somewhat slower basis. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Additional terms and conditions may apply. But if you opt in to this service, you'll pay a $15 fee if you don't bring your balance back to $0 within 24 hours. Partner services. A few instances where it could take longer is during holidays or if the network suspects the transaction is potentially fraudulent. We may also receive payment if you click on certain links posted on our site. Though there technically isnt a set number of transactions you can do in a day, there are often ACH limits. This is important to note because you want to be sure that you can receive the money being sent to you. As you can see above, a few of the banks have varying daily and monthly ACH transfer limits. Mobile number verification, email address verification and mobile app are required to access all features. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. How much cash can I get from an ATM using my GO2bank secured credit card. How long does a debit card transfer take? Active GO2bank account required to receive eGift Cards. Retail service fee and limits apply. Eligibility criteria applies. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Eligible customers will be sent an email to the address on file with a link to a webpage where you can order your phone. Can I transfer money from anotherbank account to my GO2bank account? Offer available only for first-time direct depositing customers. Bank ACH transfers, debit card transfers, verification or trial deposits from financial institutions, tax refund deposits, mobile check cashing, and cash deposits are not qualifying deposit activities. 4. An activated, personalized debit card is required to make a bank transfer. Increase your chances of winning up to $10 million in cash prizes every time you spend $10 with your Yotta debit card and for every $25 in your checking account. A digital account with a $0 monthly fee, access to 55,000+ free Allpoint ATMs and no minimum balance required. Keep in mind, your other bank may have a different transfer limit. GO2bank cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. And by Mastercard International Inc. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. Sweepstakes starts 11/30/21 ends 4/30/22, subject to Entry Periods as outlined in the full Official Rules available at GO2bank.com/50KTax. Quickly and easily manage and move your money where you need it with GO2bankTM, Get your government benefits up to 4 days early. GO2bank is Green Dot's flagship digital bank. Eligibility criteria applies. All rights reserved. Fees and limits apply to debit card transfers. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. Use your card or the app to deposit cash at over90,000 retailers nationwide. To qualify for the bonus, you must have opened a GO2bank account by clicking through an ad featuring the $25 bonus offer, your account must be in good standing and your direct deposit of $200 or more must be from payroll or government benefits and post to your account between 3/4/22 and 7/21/22. 8:00 p.m. Overdrafts are paid at our discretion. Axos Bank sends out 1099 R forms to customers each year by January 31. 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. New and referring GO2bank accountholders may earn no more than $1,500 in referral rewards per calendar year (January 1 - December 31). Plus, were a digital bank, so you can expect transactions to be fast, secure, and easily done on the go. All financial institutions should be able to initiate and receive ACH transactions. 3 times/day; $1,000/day and $10,000/calendar month. Promotion is void where prohibited by state law. You are about to post a question on finder.com: document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); At Finder, we value and respect our editorial independence. Log in to link a bank account** SeeDeposit Account Agreement (PDF), Fast-track funding on your account from a linked debit card. Partner terms and conditions apply. Use your card number and PIN when using the app or visiting the merchants website or us the barcode Go2Bank provides when you shop in-store. See Deposit Account Agreement (PDF) for terms and conditions. Can I link more than one bank account to my GO2bank account? If you have multiple transactions set up regularly to send money, youll want them all to go through and not run the risk of payments being held up and late fees accruing. with eligible direct deposit, otherwise $5 per month. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Easily send and receive funds via Zelle. However, these higher limits may only be available for those who have certain types of bank accounts or have been a long-time customer with these financial institutions. How to send money with Zelle. Mobile number verification, email address verification and mobile app are required to access all features. GO2bank is a trademark of Green Dot Corporation. 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. All third-party names and logos are trademarks of their respective owners. get your pay up to 2 days early** Direct deposit early availability depends on timing of payors payment instructions and fraud prevention restrictions may apply. After your first transfer, you will be able to transfer up to $1,000 per day and $3,000 in any given 30-day time period. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions and Privacy Policy. Activated, chip-enabled debit card required to use Ingo Money check cashing service. However, this is a recent shift, and your incoming ACH transfer limits may still average around $25,000. Mobile number verification, email address verification and mobile app are required to access all features. With $0 account fees, $0 overdraft fees and $0 minimum balances, Relays business checking account and money management platform offer an affordable online banking solution to get your business off the ground. Available while supplies last. View upcoming transfers and transfer history in Online Banking. All rights reserved. The GO2bank card is light on fees, but there are a few youll want to watch out for. Otherwise $5 per . Get up to 20% discounts on Upgrade loans and credit lines. See, 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. Welcome to the. App Store is a service mark of Apple Inc. Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries. Fees on your primary deposit account may reduce earnings on your savings account. SeeDeposit Account Agreement (PDF)for details. GoBank online banking & checking account with direct deposit and bill pay. See Deposit Account Agreement (PDF). Get paid up to two days early with direct deposit and no monthly fees. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners. Explain pending transactions. Neither GO2bank, Green Dot Corporation, Visa U.S.A. nor any of their respective affiliates are responsible for the products or services provided by Ingo Money, Q2 Software, Plaid, or any eGift Card merchants. ACH transfers initiated on an external platform. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Pay all your bills from a single app, even send a check to make a payment! Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000. Limits apply. Other fees apply. Receive secure logins for each team member. Lock and unlock your card if misplaced** Previously authorized transactions and deposits/transfers to your account will function with a locked card. Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Cashing a check with the GO2bank app Transferring money from a linked bank account - Your first transfer from a linked bank account must be more than $1 and less than $100. $5,000/check/day; $150,000/calendar month. Terms and Conditions Apply. The name and Social Security number on file with the Internal Revenue Service must match your GO2bank account exactly or we will decline your deposit.. Offer not transferrable to other accounts or account holders. $5,000/transaction/day; $15,000/month. This UK-based firm recently raised $37 million of equity funding to support further growth . $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. The reward is paid to each party within 48 hours after qualifying funds are first deposited into the referred individual's new Account. Void where prohibited or restricted by law. Limited withdrawal options. Free to open. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank.