No hidden fees: $0 monthly, overdraft, minimum deposit and transaction fees. Direct Deposit today! Welcome to the. Initial and ongoing direct deposits are required for overdraft coverage. SoFi reserves the right to change or terminate this Promotion at any time with or without notice to you. If you're making a transfer to or from Japan, there is a limit of 1m . ACH transfers will make it happen. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. When you open Checking and Savings with direct deposit, youll enjoy a host of benefits, from zero account fees to a competitive APY. Add your GO2bank debit card to Apple Pay, Google Pay and Samsung Pay. 4.50% Annual Percentage Yield (APY) as of January 2023. A digital account with a $0 monthly fee, access to 55,000+ free Allpoint ATMs and no minimum balance required. Organize your business finances with 5 sub-accounts with unique account numbers. 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. Log in to your GO2bank account to see transfer limits, account limits, terms and conditions. All with no monthly fee or opening deposit requirement. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners. The maximum amount youll be able to transfer between banks will depend on various factors, such as how much you have in your account, ACH transfer limits for your financial institution, and how much the receiving bank is allowed to receive. Incoming Wire. She holds a BS in public relations and an MBA from Georgia Southern University. and Ingo Money, Inc., subject to the First Century Bank and Ingo MoneyTerms & ConditionsandPrivacy Policy. You can view your transfer limits in the Chime mobile app by going to Settings > View limits. Mobile number verification, email address verification and mobile app are required to access all features. Visit the Help Center to find answers to top questions, live chat, and more. Get your money in minutes or in 10 days. No opening deposit or minimum balance requirement. Log in to the GO2bank app or GO2bank.com to find a free ATM location near you. All third-party names and logos are trademarks of their respective owners. The per-check and daily limits for government and commercial checks are $5,000 and $10,000, respectively. Opt-in required. 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. However, a $1.50 fee will be assessed for each transfer. For more details on the Monthly Membership fee, click here. In most cases, ACH payments, which are only for U.S. transactions, are usually faster than other types of transactions if theres enough money in the account, an ACH incoming transfer is usually cleared within one to several days. Unapproved checks will not be funded to your account. Plus, you'll unlock these exclusive features: No monthly fees with eligible direct deposit, otherwise $5 per month. 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. 8:00 p.m. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. For additional information about Annual Percentage Rates, fees and other costs, see theGO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF).. NO credit check and NO impact to credit when you apply** Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. 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. $10,000 per transaction or $25,000 . Not all borrowers receive the lowest rate. 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. We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. This account gives you access to an optional savings account with yields as high as 5% APY. Debits are typically processed on a next-day basis. When comparing offers or services, verify relevant information with the institution or provider's site. GO2bank is a trademark of Green Dot Corporation. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. $1,000 daily. WalletHub, Financial Company. Otherwise $5 per month. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution license. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Other fees apply. The average national savings account interest rate of 0.30% is determined by the FDIC as of 1/11/23. Is there a limit to how much I can transfer? Limit one credit per customer. No fee to transfer money from a linked bank account to GO2bank. Can I transfer money from anotherbank account to my GO2bank account. GO2bank does not. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. APY may change before or after you open an account. Mobile number verification, email address verification and mobile app are required to access all features. SoFi members with direct deposit can earn up to 3.75% annual percentage yield (APY) interest on Savings account balances (including Vaults) and up to 2.50% APY on Checking account balances. Build your credit with the GO2bank Secured Visa Credit Card. All financial institutions should be able to initiate and receive ACH transactions. These owners are not affiliated with GO2bank and have not sponsored or endorsed GO2bank products or services. According to the National Automated Clearing House Association (NACHA), which manages ACH payments, ACH transfer limits can be as high as $1,000,000 per day, up from $100,000 previously. ** Activated, chip-enabled debit card required to purchase eGift Cards. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Welcome to the. As of press time, SoFi and Citi have the highest ACH transfer limits. No monthly fees or account minimums**. 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. 4.50% Annual Percentage Yield (APY) as of January 2023. Set up Direct. Offer, device and plan are subject to change. 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. 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. 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. Read more Cassidy Horton is a freelance copywriter and journalist, specializing in personal finance. Wondering how long ACH transfers take? Can I set up a transfer for a future date or set up a recurring transfer. All third-party names and logos are trademarks of their respective owners. Transfer via Automated Clearing House (ACH) is available in Online Banking for eligible checking and savings accounts at other financial institutions. Transfer limits depend on the bank, if a bank doesn't offer . 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. 1099 R's will not reflect Non-reportable transfers. ACH transfers can involve money being pulled from an account such as direct debits where a third-party can take money out from your account once youve given permission. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. All rights reserved. GO2bank, GoBank, Green Dot Bank and Bonneville Bank. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. Other types of transactions include direct ACH debits, electronic funds transfers (EFTs), electronic checks (eChecks), and direct payments. How can we help? Chase. Overdrafts are paid at our discretion. 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. Offer not transferrable to other accounts or account holders. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Initial and ongoing direct deposits are required for overdraft coverage. 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. There currently are no dollar amount or transfer number limits for internal transfers, provided that your accounts have sufficient available funds and remain in good standing before and after the transfer is complete.Please note that some account types (e.g. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more. Find a Location. Members without direct deposit will earn 1.20% APY on all account balances in Checking and Savings (including Vaults). Retail service fee and limits apply. 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. Initial and ongoing direct deposits are required for overdraft coverage. Ingo Money is a service provided by First Century Bank, N.A. For a $5.95 flat fee you can deposit $20 - $500 in cash at 70,000 . 3 times/day; $1,000/day and $10,000/calendar month. $5,000/check/day; $150,000/calendar month. Deposit checks right from your mobile app**. 32 East 31st Street, 4th Floor, Offer not valid on GO2bank Debit Cards purchased in retail stores. 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. Earn up to 2% cashback rewards on everyday purchases. Read the full methodology of how we rate checking accounts. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Its worth checking at specific banks to understand their guidelines if you plan on using ACH transfers. Offer not transferrable to other accounts or accountholders. 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. Your cashback rewards will instantly deposit into your account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Approval usually takes 3 to 5 minutes but can take up to one hour. Earn 4% APY on the first $2,000 in each savings pods. How to send money with Zelle. Is there a GO2bank Secured Credit Card annual fee? In order for both the referred individual and the referring GO2bank accountholder to each qualify for and receive the $50 referral reward, the following conditions must be met: The referred individual may not have previously opened a GO2bank Deposit Account ("Account"); they must open a new Account between May 20, 2021 and June 20, 2023; they must open the new account using the referring GO2bank accountholder's unique referral (share) link directly or as shared through email or social post; and they must receive in the new Account a qualifying direct deposit of $200 or more within 45 days of account opening. 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. Ingo Money is a service provided by First Century Bank, N.A. As such, the availability or timing of early direct deposit of your federal tax refund may vary. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Transfer money from linked debit card: When you make transfers from a linked debit card, GO2bank will charge a 3% fee not less than $2.00. All referral rewards will be reported on form 1099-INT to the IRS. SOBK0322026, Stay up to date on the latest business news and stock However, this is a recent shift, and your incoming ACH transfer limits may still average around $25,000. Select From: Varo Bank Account and To: the account you want to receive the transfer. when you buy eGift Cards from over 100 popular merchants in the app. Access 24/7 support and get daily balance and transaction alerts. Can I link someone elses debit card to my GO2bank account? Pair with Upgrades savings account to earn 3.75% APY. Not available to residents outside of the 50 States and DC. ACH payments are electronic bank transfers that conveniently process regular payments such as mortgages, utilities, loans, and tax payments. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions. Transfers to external checking or savings accounts are limited to $5,000 per transfer and $10,000 per calendar . Opt-in required. Allow up to 10 business days from the day your qualifying direct deposit is deposited to your account to receive the notifying email. 2023 GO2bank. The solution. Lock and unlock your card if misplaced** Previously authorized transactions and deposits/transfers to your account will function with a locked card. GO2bank Help Center. Report a card lost, stolen or damaged. Help. The fine print on ACH transfers, including timing and fees. Transfer from another debit card to GO2bank. Mobile number verification, email address verification and mobile app are required to access all features. By knowing your limits, you can troubleshoot before you wind up in a Wheres my money? situation. Learn more. ACH deposits using . Transfers will take 3-5 business days to complete. Can I transfer money from my GO2bank account to another bank account? 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. Read less. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Green Dot has serviced more than 33 million consumers directly over the last 22 years, and many millions more through our banking partners. Overdrafts are paid at our discretion. To qualify, a borrower must be a U.S. citizen or other eligible status and and meet SoFi's underwriting requirements. Transfers initiated on our website or app. Interest rates are variable and subject to change at any time. A $15 fee may apply to each eligible purchase transaction that brings your account negative. 1. You can also transfer money from another . and Ingo Money, Inc., subject to the First Century Bank and Ingo Money, Activated, chip-enabled debit card required to purchase eGift Cards. Active GO2bank account required to receive eGift Cards. See Deposit Account Agreement (PDF) for terms and conditions. About us. Available to residents in NC, SC, TN, AZ, CA, CO, FL, GA, KS, MD, MO, NM, OK, OR, TX, VA, WA, WV, and WI. Transfer type. Your credit limit, which starts at $100, is determined by your security deposit. Eligibility criteria applies. Fees on your primary deposit account may reduce earnings on your savings account. Most Chase accounts have a $25,000 per day limit. Available while supplies last. 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., Quickly and easily manage and move your money where you need it with GO2bank, No monthly fees with eligible direct deposit, otherwise $5 per month, Overdraft protection up to $200 with opt-in and eligible direct deposit. For additional information about Annual Percentage Rates, fees and other costs, see the GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF). Third-party trademarks referenced herein are property of their respective owners. Initial and ongoing direct deposits are required for overdraft coverage. Open an account. As you can see above, a few of the banks have varying daily and monthly ACH transfer limits. The reward is paid to each party within 48 hours after qualifying funds are first deposited into the referred individual's new Account. Skip a call & save time! 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. Visithttps://www.fdic.gov/regulations/resources/rates/to learn more.