GoBank is a mobile-focused checking account designed for individuals frustrated with traditional large banks and their excessive fees. It offers a quick and easy experience, functioning similarly to popular mobile apps, providing users with a straightforward, transparent banking service without hidden charges. The app is packed with features aimed at making banking more accessible, fair, and efficient for everyday financial needs.
One of the key benefits of GoBank is the absence of surprise fees. Customers can visit their website to understand exactly what charges they might face, with the assurance that there are no hidden costs. Additionally, the account offers the option for early payroll deposit, allowing you to receive your paycheck up to two days sooner through ASAP Direct Deposit, provided your employer's payment instructions align with GoBank’s requirements. Even if you aren’t eligible for early direct deposit, you can still sign up to get your pay faster than traditional paper checks.
The application also includes convenient features such as free ATM access, with a limited number of free withdrawals each month. After reaching the limit, additional withdrawals cost a small fee. Users can pay bills directly through the app or website, including rent and other utilities, with the added option of mailing checks for free if needed. Sending money is quick and straightforward, as users can easily transfer funds to friends and family with notifications sent via email or text message. Cash deposits can be made at participating retail locations by swiping or handing over cash to the cashier, with applicable fees.
Other useful features include mobile check deposits by scanning checks with a smartphone camera and the innovative Fortune Teller tool, which helps users estimate whether they can afford a purchase based on their budget. Customers must verify their identity to access all features fully, and support is readily available 24/7 through phone or online channels. Overall, GoBank provides a modern, fee-transparent banking experience accessible directly from your mobile device, backed by reputable FDIC-insured Green Dot Bank.