GO2bank Reviews 2025: Pros and Cons

Here at MoneyFor, our goal is to help you make informed financial decisions. We are committed to accuracy and impartiality in all our content. It’s important to note that articles may reference products from our partners who compensate us. This influences which products we feature and their presentation on our site, not our evaluation.

Key takeaways

GO2bank is an affordable mobile bank account for people unable to access traditional accounts.
The digital bank offers a variety of features, including direct deposit up to two days early, overdraft protection, and a secured credit card.
As with any financial product, there are a few fees, many of which are avoidable.

Approximately 6% of American adults are considered unbanked, meaning neither they or their spouse have access to a checking, savings, or money market account, according to data from the Federal Reserve.

That’s where GO2bank comes in. GO2bank is a digital banking initiative owned by Green Dot Bank, a financial technology company. It aims to provide Americans who do not have access to a checking or savings account with an affordable alternative.

Interested? Read more about how they may be the online bank you’ve been looking for.

Overview of GO2bank

GO2bank is an FDIC-insured bank that offers affordable and accessible banking services. Launched by Green Dot Corporation, it provides a wide range of features without the hassle and costs of a traditional bank. Products and services include a checking account with no monthly fee (with qualifying direct deposits during the previous monthly statement period), early access to paychecks, and a high-yield savings account. One of its standout offerings is the option for users to receive up to $200 in overdraft protection.

It’s easy to obtain a bank account due to the no-credit check policy. With no hidden fees and a straightforward mobile app, this neobank has become a convenient choice for users looking for modern, cost-effective banking solutions.

Checking account

The checking account is basic and affordable. It does not charge a monthly fee (as long as you receive qualifying direct deposits); you get access to over 55,000 fee-free ATMs, a mobile app, and a Visa debit card.

With a checking account, you can receive your direct deposit up to two days early, and government benefits up to four days early. Early access to paychecks is made possible through the bank’s affiliation with Plaid, which has direct connections to numerous payroll services. Customers with eligible direct deposits can also opt-in to overdraft protection of up to $200. You don’t pay anything at all if you bring your balance back to $0 within 24 hours.

High-yield savings account

The savings accounts are called ‘vaults’ and are designed to help you grow your money effortlessly. Customers can open up to five vaults at a time and can earn an annual percentage yield (APY) of 4.50%, paid quarterly. The bank only pays interest on balances up to $5,000. Though there is a cap on interest payments, the 4.50% APY is significantly higher than 0.46%, which is what the FDIC found to be the national average APY. If your entire balance is less than $5,000, the high APY makes this a great option.

Are you ready for credit?

Learn how to apply for a credit card!

Secured Visa® Credit Card

Customers can also build or improve their credit scores with GO2bank’s secured credit card. There’s no credit check to open the card, so your score won’t suffer. You apply, and if accepted, you put down a refundable security deposit of at least $100. The security deposit sets your credit limit and gives the bank insurance in case you don’t pay. The money will be returned to you when you close the account with a positive balance.

Use your card as you would any other credit card. GO2bank reports your credit activity to all three credit bureaus: Equifax, Experian, and TransUnion. By responsibly using your card – pay all your bills on time and spend less than 30% of your limit – you’ll see your score improve.

Unlike many credit cards for bad credit, the secured card has no annual fee. This makes it affordable for anyone looking to build credit without incurring additional costs. Additionally, you receive your VantageScore from Equifax once a month for free so you can track your progress. Having a higher credit score can open doors to better credit cards in the future.

GO2bank account features

Fees and charges

There are a few fees that customers should be aware of, but many are avoidable. GO2bank fees include:

Monthly fee: $5 (waived if you received a qualifying direct deposit)
Card purchase fee: $0 if you open an account online, $2.95 if you buy a card from a retailer
In-network ATM withdrawal: $0
Out-of-network ATM fee: $3 per transaction
Out-of-network ATM balance inquiry: $0.5 per inquiry
Transfer from a linked debit card: 3%
Transfer from a linked bank account: $0
Check cashing fee: $0 with a 10-day processing period; 1% or 5% (minimum $5) for instant processing
Cash deposits: Up to $4.95 retail service fee
Teller cash withdrawal: $3 per transaction
Foreign transaction fee: 3% of transaction amount
Replacement debit card: $0, expedited delivery is $24.95
Overdraft fee: $15 (avoided if you bring your balance back to $0 within 24 hours)

Deposit and withdraw money

You have a few options to deposit and withdraw money. You can easily set up direct deposit or transfer funds from another bank without any fees. You can deposit cash for a fee at over 90,000 retail locations nationwide, including CVS, Walgreens, Walmart, and Dollar General.

Mobile check deposits are also available through the app. You can wait up to 10 days for the check to clear or pay a fee to expedite it and have the money available instantly.

Another option is to transfer money from another debit card. Unlike bank transfers that can take three business days, these transfers are instant but not free.

The easiest way to withdraw cash is to visit an ATM. The bank provides access to over 55,000 fee-free ATMs across the country. You cannot transfer money directly to an external bank account. This limitation means you will need to withdraw cash or transfer funds via a third-party service like Venmo or Cash App.

Account limits and restrictions

The digital bank has several limits and restrictions to ensure secure account management. Your bank account’s balance cannot exceed $50,000. The GO2bank cash deposit limit is $3,000 per day. External account funding transactions (Venmo or Cash App) are capped at $1,500 monthly. The minimum amount you can transfer from a linked debit card is $10, while the maximum is $500.

The GO2bank daily spending limit for debit card purchases is set high at $10,000. In contrast, the bank’s ATM withdrawal limit is only $500 per day and $3,000 per month.

These limits are designed to protect your account while providing ample access to funds for day-to-day needs. It’s important to stay aware of these restrictions to avoid any interruptions in accessing your money, especially when managing large purchases or cash withdrawals.

Mobile app

GO2bank’s mobile app helps customers manage their money easily on the go. You are able to:

Access your money 24/7
Cash checks by taking a picture
Check your balance
Locate fee-free ATMs
Purchase eGift cards and receive up to 7% instant cash-back
Receive real-time transaction alerts
Lock and unlock your debit card

Customer service

Customers have multiple options for help. You can access Chat online or call Customer Support at (855) 459-1334. Both are available 24 hours a day, seven days a week.

GO2bank sign up bonus 2025

Want to earn rewards? Refer friends or family, and you’ll both receive $50. To get GO2bank’s sign on bonus, they must open a new account and make a direct deposit of $200 or more within 45 days of account opening.

Visit MoneyFor to learn more!

How to open an account

Opening an account is simple. You can either go online or download the app to begin. You will need to provide your full name, address, Social Security number, date-of-birth, phone number, and copy of your driver’s license or identifying documents. Once approved, your debit card will arrive in the mail within 7 to 10 days.

If you need your debit card immediately, you can open an account at a participating retailer, such as 7-Eleven, CVS, Dollar Tree, or Walmart. The initial card fee is $2.95, and you will have to load money onto your card right away. Your initial deposit can be anything from $20 to $500. There is no minimum deposit when you open an account online.

GO2bank account pros and cons

Pros:

No credit check
Earn up to 7% cash-back on eGift card purchases in the app
No monthly fees with eligible direct deposit
Up to $200 in overdraft protection
Savings account has a 4.50% APY
Deposit cash at over 90,000 retail locations
Over 55,000 fee-free ATMs
Direct deposits available up to two days early
No minimum balance needed
Build credit with the Secured Visa® Credit Card
No minimum deposit required to open an account online

Cons:

Monthly fee if you don’t receive direct deposits
No interest on savings over $5,000
Out-of-network ATM fees
Customer service issues
Limited overdraft coverage
Fees for cash deposits
Cannot transfer money to another bank

GO2bank reviews

GO2bank customer reviews are mixed. Many users praise the early access to direct deposit funds, ease of mobile banking, and overdraft protection.

Happy with GO2bank

“I’m happy with GO2 Bank. Been using for almost a year. No problems so far. Direct deposit hits 5 days early for me. You can lock & unlock card quickly, as needed. I recommend it to my family & friends.” OldMan Sinclair, Trustpilot Review

My favorite mobile bank

“It is by far my favorite mobile account. With the 5 savings vaults, overdraft protection, and the credit card that easily allows you to adjust your credit limit. I use this as my main account for putting money to the side. Transfers to cc are immediate. I have found that if you scan the barcode within the app to add cash, it is posted almost right away. If you do a generic greendot load, it takes more time to process. Plz check into the debit transfers, I keep getting a failed load message.” Angela Hasbrouck, Google Play Review

GO2bank complaints focus on issues with poor customer service, trouble accessing accounts, and fees.

Too many fees

“There is a $5 “monthly maintenance fee” for whatever reason and it doesn’t matter if you are even using your account! Password requirements are weak and there is no 2FA security. Card does not have NFC (Tap to pay). I like that they give you a virtual card right away while you wait for your debit card in the mail but that is the only good thing I can say. Cash deposit fees are high along with ATM fees. All in all this is a 1 star bank and there are a lot of better options out there, avoid!!” Joel C., Google Play Review

As with any financial service, it’s important to read reviews and weigh both positive and negative feedback. Take a look at sites like Consumer Affairs and the Better Business Bureau to get an idea of potential concerns and how the bank handles customer complaints.

How it compares to other banks

The neobank has a lot to offer. It has a competitive APY, provides direct deposits up to two days early and government benefits up to four days early, and makes its debit card available at major retailers like CVS and Walmart. Even so, with more and more online banks, there’s a lot of competition out there. Take a look at how it compares to Chime and Current.

	GO2bank	Chime	Current
Top APY	4.50% (on up to $5,000)	2.00% (no limits)	4.00% bonus annually (on up to $6,000)
Monthly fee	$0-$5	$0	$0
Overdraft protection	Up to $200	Up to $200	Up to $200
ATM access	55,000+ Free ATMs	50,000+ Free ATMs	40,000+ Free ATMs
Early direct deposit	Yes	Yes	Yes
Deposit cash	Yes at over 90,000 retail locations	Yes at over 75,000 retail locations (free at Walgreens)	Yes at over 60,000 retail locations
Build credit	Secured Visa® Credit Card	Credit Builder Secured Visa® Credit Card	Build Card
FDIC-insured	Yes	Yes	Yes

Who is GO2bank best for?

GO2bank is a good option for consumers comfortable with online and mobile banking who plan to receive direct deposits, save up to $5,000, and do not need to transfer money out of the account. It is affordable as there’s no monthly fee with an eligible direct deposit. The overdraft protection of up to $200 makes it an attractive option if you frequently find yourself short on cash. The bank does not require a credit check, making it accessible to individuals with low credit scores. It also offers a secured credit card designed to help with credit repair.

Tired of your applications being denied?

Click here to find the score you need to get a credit card!

Frequently asked questions

1. Does opening a GO2bank account directly impact my credit score?

Opening an account does not impact your credit score as the bank does not perform a hard credit check. If you open a secured credit card, your credit activity will be reported to the credit bureaus, which may affect your score.

2. Is GO2bank legit?

Yes, GO2bank is a real bank. It is a product of Green Dot Corporation, a well-established financial technology company. Green Dot has served over 33 million customers since 1991.

3. Is GO2bank safe?

Yes, the bank is FDIC-insured for up to $250,000, meaning your deposits are protected in case of bank failure. Features like real-time transaction alerts, chip-enabled debit cards, and the ability to instantly lock your card all serve to further secure your account.

4. Why did I randomly receive a GO2bank card in the mail?

If you received a card in the mail, it was either because you are a former customer or because you opted to receive marketing material from one of the bank’s partners. No one has opened an account in your name. If you do not want the card, simply cut it up.

Bottom line

GO2bank was designed to meet the needs of everyday people. The company believes that everyone should have access to bank accounts, no matter their credit score. Therefore, it offers banking to individuals who traditional banks have turned down.

Furthermore, the mobile bank is affordable, with no monthly fee, no minimum balance, and no ATM withdrawal fee at over 55,000 ATMs. The mobile app allows you to easily access your checking or savings accounts while on the go. Early direct deposit from both employers and government benefits makes it easy to get your money. Whether you want to deposit cash, build savings, or increase your credit score, the neobank has a product for you.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

2. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC

6. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

7. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.

8. You may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.

9. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

10. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.

11. Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current, Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements). Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.

12. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

13. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

14. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

15. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

16. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

17. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

18. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

19. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

20. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

21. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

22. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

23. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

24. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

25. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

26. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

27. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

28. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

29. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

30. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

31. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

32. Tipping or not tipping has no impact on your eligibility for SpotMe®.

33. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

34. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

35. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

36. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

37. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

38. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

GO2bank Reviews: Bank’s Pros and Cons