GoBank is a full featured, online checking account service. It's different from a traditional bank, financial institution, or credit union in that it only operates online. It operates through Green Dot Bank, one of the financial institutions available through Walmart. GoBank became available in October of 2014, designed as a checking account product for people on the go. It markets to low and moderate income individuals and families while often attracting customers who are dissatisfied with big bank policies. Assets are protected by FDIC, which means your money is just as safe as it would be in a normal bank. GoBank is a legit and real bank.
 
GoBank partners with Uber to provide a Uber Visa Debit Card exclusively to drivers.

Top Ranked Companies

company logo
CIT Bank chevron_right
2
starstarstar_borderstar_borderstar_border
(19)
company logo
Synchrony Bank chevron_right
1.4
starstar_halfstar_borderstar_borderstar_border
(27)

The Good

  • Ease of Opening an Account
  • Features
  • Online Banking
  • Uber Visa Debit Card

Ease of Opening an Account

GoBank does everything a standard checking account does and has several attractive features. To open an account, purchase a starter kit for $2.95 at a Walmart store, deposit $20 (the minimum opening deposit), and then follow the instructions in the kit to complete set up. Two other options are to go to GoBank.com or download the GoBank mobile app to start your account. The account can be opened on a smartphone or computer, and the starter Master Card debit card is immediately activated and usable until the permanent card arrives.

To open an account, you will need to provide GoBank with your name, address, birthdate, social security number (SSN), phone number, and other personal information. This information is used to confirm your identity and prevent fraud. 

Features

A customer cannot be denied a checking account, as long as he or she has a valid state ID. GoBank does not use a credit bureau rating to screen potential clients. GoBank account holders only need to set up a monthly direct deposit of $500 or more to avoid any fees. This deposit can come from any regularly occurring source, such as payroll or government income. Once that is arranged, bankers can rely on the following features:

  • no overdraft, NSF, penalty, or annual fees
  • no minimum balance requirements
  • free monthly maintenance
  • early payroll deposit (averages 2 days before paper check)

If you overdraft your account and even if the account remains overdrawn for several days, there is no fee, as long as a direct deposits entering the account total $500 every month. So a minimum deposit is required to keep your account in overdraft.

GoBank users can deposit cash at participating retailers including 7-11, Walmart, Rite-Aid, CVS, or Walgreens. This will cost you a fee of up to $4.95. Though GoBank is an online-only bank, users can order personal checks to pay bills or pay people just like you could at a traditional bank. A pack of checks costs $5.95.

Online Banking

GoBankers also do not have to fret about banking hours and locations like you might have to with traditional banks, financial institutions, or credit unions. They can access their accounts on their iPhones, iPod Touch, Android device, computer, or inside of a participating Walmart store. In addition to receiving direct deposits, the GoBank checking account can:
 
  • deposit checks
  • pay any bill
  • send money to anyone
  • send money to other GoBank account holders through email or text message
  • deposit funds into account using cash or debit card at any Walmart checkout
  • mail checks to anyone for free
  • withdraw funds at one of 42,000 ATM's for free
  • write checks from paper or free digital checkbook

Green Dot Bank includes two additional features that are not typically a part of a checking account: a Fortune Teller mobile app that  advises user to spend within their pre-set budget and Money Vault, a GoBank savings account that is unattached to the checking account.

 

See our Gobank reviews to see more opinions about Gobank.

 

GoBank does not offer any kind of loans, so if you receive a call offering you a GoBank loan, it is a scam. GoBank will not ask for your personal information like social security number, birthdate, or debit card number over phone or email. If someone asks you for this, they are not affiliated with GoBank and are committing fraud.
 

Uber Visa Debit Card

Uber created a benefit-heavy debit card exclusively for drivers. It's not common for a debit card to have perks or cash back like a credit card would. Though the card comes with cash back on some auto-related purchases and at Walmart and Sprint, the drawbacks and limitations might not be convincing enough to open an account if you are already satisfied with your current bank. See uber debit card review of GoBank and of its partnership with Uber below. People are really good about leaving accurate and up to date uber debit card review for others to see.

The Bad

  • Direct Deposit
  • Other Limitations
  • Customer Complaints

Direct Deposit

GoBank account holders must have a direct deposit to qualify for an account. In addition to that, they will be charged an $8.95 fee and will continue to be charged each month until at least $500 enters the account through direct deposit. ATM's that are outside the GoBank network cost $2.50 to use and could charge additional fees. GoBank transactions that occur out of the United States have a 3% transaction fee. Accounts cannot exceed $50,000.

All cash deposits must be at least $20 and not exceed $1,100 per transaction; they cannot exceed $3000 within a 30 day timeframe. Income tax deposits cannot be made after June 2nd of the year it was filed. Account holders in Wyoming and Vermont cannot make cash deposits inside Walmart.

Other Limitations

Personal check deposits have a maximum limit of $2000 and could take as long as 10 days to process (first deposit limit is $500). Commercial checks (payroll, cashier, money order, business, etc.) cannot exceed $10,000 (first time is $5,000). Checks less than $5,000 will take up to 10 days to process; checks between $5,000 and $10,000 will 10 days. You cannot deposit government checks that are more than $5000.
 
Electronic payments take 2 to 3 days if done before 1 p.m. Otherwise, it will take longer. Also, there is no notification when the payment recipient cashes the check. Cash withdrawals cannot exceed $500 within a 24 hour timeframe.
 
If a debit card is lost or stolen, it could take up to 4 weeks to get a replacement. In the meantime, funds cannot be accessed. Another report is that the online system has a lot of glitches. These are a definitely not a bonus for potential users.
 
GoBank does not offer any kind of loan services such as student loans, mortgages, personal loans, or business loans. This can be a huge negative for students who are looking for student loans. GoBank also does not offer a credit card, it only offers a GoBank debit card (Visa, MasterCard, and a special Uber Visa debit card). It also does not offer any cash back rewards. GoBank doesn't offer joint accounts.
 
To officially close your GoBank account, you need to spend or transfer the money in your account down to a $0 balance and then contact GoBank to close it. The $8.95 monthly fee will still be charged until your account is officially closed.
 

Customer Complaints

Customers regularly complain about GoBank randomly closing accounts for unauthorized reasons. Without warning, a customer receives a notification that their account has closed. One complaint states that when she called GoBank about her account closing, she was told it was due to a suspicious mobile deposit. According to the customer, this was a recurring deposit from the same source, with the same signature, and the same amount. Another customer had the same problem happen with his payroll check.
 
There have also been reports of fraudulent use of the debit cards. This includes use of the uber debit card review. Some complaints include misallocated funds, misuse of the card or stolen card numbers, and transferred funds that never got transferred. This can upset balance transfers and cause banking issues. These problems usually result in a closed account, either closed by GoBank, or the account holder, losing out on future account opening opportunities. Even though GoBank advertises that they have 24/7 customer service, customers report that they stop answering the phone after a certain time in the evening. This is super frustrating for instant pay, online purchases questions, credit score, points, statement credit, uber and lyft questions concerning the uber debit card review and uber app, overdraft fees, onboarding (such as online subscription services) and annual fee. Other customers report that customer representatives are insensitive and inflexible to their needs and individual requests, even though those needs and requests fall within the legal guidelines and normal expectations a checking account holder would have.
 
For more common complaints, see our collection of GoBank reviews including the uber debit card review below.

The Bottom Line

GoBank can be a dream come true for someone who for one reason or another, cannot open a standard bank account, or would be unable to afford it. Even to some who do not have those restrictions, it may be quite an attraction to have a checking account with no overdraft fees and no minimum balance. Without overdraft fees, you can still have overdraft protection and earn cash. It is also very convenient to mail paper checks for free or have an app tell you to pass up a purchase because it could unbalance your budget. It really is a free checking account. This makes it easy for account opening and transaction fees.
 
However, you MUST have a monthly direct deposit in order to qualify. Besides the direct deposit, good luck might be a requirement. Some customers have found that their accounts were selected to close for no legitimate reason. If you lose your debit card or get it stolen it will take weeks before another one will be issued, and the funds cannot be accessed without it. It has several no fee options and free services that most banks do not, especially with such a small balance. However, there are some kinks that need to be ironed out so that the system operates more smoothly and efficiently. Those that use GoBank for online banking services can expect the following:
  1. Limited fees and penalties
  2. Online access to funds 
  3. Deposit limitations

For more information, see the GoBank reviews below. GoBank consistently receives poor reviews from its customers. Though GoBank doesn't seem to do anything illegal, due to their awful experience, some customers feel that GoBank is a scam. 

Why Can I Trust Bestcompany.com arrow_drop_down

User Reviews

Star Rating

1.1
starstar_halfstar_borderstar_borderstar_border

313 Reviews

Review Breakdown

5 star
6%
4 star
1%
3 star
1%
2 star
2%
1 star
89%

Sentiment Criteria

Value for your money
starstar_halfstar_borderstar_borderstar_border
Quality of product or service
starstar_halfstar_borderstar_borderstar_border
Customer service
starstar_halfstar_borderstar_borderstar_border
Company trustworthiness
starstar_halfstar_borderstar_borderstar_border
search cancel
starstar_borderstar_borderstar_borderstar_border

Richard Lewis

April 7th, 2020 Chicago, IL DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

The customer service is terrible with Gobank. No one answers the phone or checks the email support. They are holding on to my money at one of the worst times in America smdh.

starstar_borderstar_borderstar_borderstar_border

Ciarog

April 2nd, 2020 Troy, NY DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

It's too bad that there is nothing lower than one star. I bought a card at Wal-Mart for $2.98 and added $100. I didn't realize I wouldn't be able to use my money right away. When I tried to register the card, I wasn't able to. Years ago, I had opened a Green Dot account, and the card they were sending me never arrived, and I didn't really need it so did nothing about it. So when I tried to register this new GoBank card, they wouldn't let me. And I was unable to get through the phone system to talk to someone. There is no email so you have to write a letter to California to try to clear up problems. There is a $9.95 monthly fee. So they have my $100, I spent $2.98 on the card, and can't do anything but write a letter . What a BIG mistake it was to ever get involved with them. No phone support? I see there has been some fraud. Sounds like its coming from inside, so they can't let employees help you over the phone. SCAM!

starstar_borderstar_borderstar_borderstar_border

Marco Cordova

April 2nd, 2020 North Hills, CA DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

This is the worst service ever my GoBank account has my transactions still pending or go hold I try to call customer service every day for the last three weeks sometimes I’ve been on the phone for 3 to 4 hours no response..There’s people out here with no jobs and I’m one of them I need my money. instead of looking for a way to make money I’ve been on the phone every day for the last three weeks with you guys. GoBank Needs better service for their customers..Im a Uber driver I return my rental vehicle back to hertz I am wondering how many Uber drivers are having the same issue with GoBank not releasing their deposit or funds when they returned there vehicles?

starstar_borderstar_borderstar_borderstar_border

Libby Munro

March 22nd, 2020 Owensboro, KY DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

They SUCK. They don’t answer the phone or messages for BASIC customer service requests. Now they are preventing my home loan from going through because they won’t answer the phone. What kind of a bank does that? I’m switching as soon as I can. I’m disgusted.

starstar_borderstar_borderstar_borderstar_border

Leonardo Reynoso

March 19th, 2020 Chicago, IL DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

This service is by far the worst I've ever received from any type of business in my life. The agents never have a clue about what it is that they are talking about and will just guess around to try and get you off the phone. Out of many my latest issue with them is because I need to make a withdrawal greater than $500.00 which can't be made they an ATM. I was advised to do it thru a bank even tho their would be charges. The transaction keeps being declined from their end and I have been on hold for almost 2 hours now. After 48 minutes I finally had an agent answer my call, told me to hold while they pulled up my account and instead of doing so disconnected the call and I had to go through the automated service again and was put on hold. It's been now an hour and sixteen minutes without being assisted. I am currently trying to figure out how to submit a report with the better business bureau which is also difficult since their is no specific address or information provided by them. Please do not use this service if you don't want to risk a heart attack experiencing such horrible service.

starstar_borderstar_borderstar_borderstar_border

Shay Mitchell

March 17th, 2020 Detroit, MI DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

People please stay AWAY FROM THIS COMPANY THEY ALLOW COMPANIES TO TAKE MONEY OFF YOUR CARD AND THEY HAVE GOOD SYSTEM IN PLACE TO HELP YOU FIGHT FRAUD THIS COMPANY IS CRAP AND IT'S UNDER GREENDOT SCAMMERS

starstar_borderstar_borderstar_borderstar_border

Casey Turner

March 12th, 2020 Sumter, SC DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Go bank has been continuously posting an extra pending charge to my account on several occasions when I make a payment with my card. When I call to let them know it was an issue they continue to blame the merchant when it had happened 7 times in a month's time with 3 different merchants. When I called they just kept telling me to file a dispute and it could take up to 10 days for this to be resolved. I spoke with a supervisor Lori and she continued to talk over me and hung up in my face.

starstar_borderstar_borderstar_borderstar_border

Joseph Griswold

March 12th, 2020 Conroe, TX DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

To describe this company: A Scam & NOT A Real Bank My reasoning: For the cash back perks by working with Uber, I have a GoBank Card (partnered with Uber). Sadly, there were 4 fraudulent charges made on my account on 2/27/2020. The four charges were made on my account within minutes of each other and at different gas stations and different areas of town. 3 Charges were made for $76 (EXXONMOBIL 48054209, EXXONMOBIL 99594467 & RICHMOND VALERO) and 1 charge for $75 from SHELL OIL 57541840500. Immediately, I called and reported my card lost/stolen & request to open disputes. The GoBank Reps said I wouldn't be able to open disputes/claims on the charges until the amounts posted to the account, that while in pending I could not dispute because the charges could drop off. Three of the charges posted on 2/28/2020 and the last one posted on 2/29/2020. As soon as they posted, I opened disputes with GoBank for the charges. While talking to support, I was told by GoBank that the process would take up to 10 business days and if it wasn't resolved by then, a provisional credit would be placed in my account until the investigation was complete. When I called back, today 3/9/2020 to check on the status, I was told the claims were closed and the Dispute Resolution Department sent me an email with the following wording. "We have concluded our investigation of your dispute referenced above. Based on our review, we are unable to grant your claim because based on our review of relevant information, including transaction and account activity, no error was found." These 4 charges were made within minutes of each other, cities apart, and at places I have never shopped. My vehicles wouldn’t even hold $75-$76 worth of gas at a time, MUCH Less $303 worth of gas in a 30 minute period. It was clearly a well planned scam and happened just two days after I made my largest to-date transfer from Uber to GoBank. We work TOO Hard to be hustled out of our own earnings by a company that is supposedly partnered with Uber. I lost $303 earned over many hours of hard work.

starstar_borderstar_borderstar_borderstar_border

Jelena Feliciano

March 12th, 2020 Tampa, FL DETAILS arrow_drop_down
Value for your money
starstarstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Would give 0 stars if I could. Customer service is a joke. They're free ATM directory isn't accurate. I was still charged even though I used an In-Network ATM. They're dishonest and misleading. I tried calling after the ATM charged me $3.50 for withdrawing money. They tried telling me that I went to an out-of-network ATM. The associate spoke broken English and was clearly reading from a script. I asked them to check the address because I have already confirmed multiple times that I did go to an in-network ATM. They refunded me the $2.50 (they said they weren't charging me for using this ATM) but they never refunded me the money from the ATM owner. I even sent them a copy of my statement with the address of the location. I never got a response. A week later I find my card was stolen and used in California. I live in Florida, I tried to dispute the charge from the app but the only transactions that appeared were the ones that I had made. I figured since the charge was still pending that I had to wait to dispute it. Once it cleared, the option for me to submit a dispute from the app was no longer available and they were forcing me to submit a paper form by mail. (Are we in the 90's?) It's funny that everything is done online, except when you have an issue with someone stealing your money. From the complaint below I am very thankful I was only out $40.

starstar_borderstar_borderstar_borderstar_border

Connie Hart

March 2nd, 2020 Jacksonville, NC DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Wish I could give it 0. I bought a go bank prepaid card at dollar tree. Loaded $20 in it and was charged a $1 at the register then charged 8.95 for a monthly maintenance fee. So basically they took $10 from a $20 deposit. Don't buy this card.

starstar_borderstar_borderstar_borderstar_border

Klaatu P

February 27th, 2020 Santa Monica, CA DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Horrible, Horrible, Horrible bank! Do NOT put any of your money with these charlatans...for you stand a good chance of losing it. I lost over $1600.00 with this charade of a "bank". I used their debit card at gas stations because it was giving me a few $'s back...well my card # and pin # got hijacked, and over 2 days I almost got completely wiped out of my savings. I tried to call them as soon as I found out, but could not get anyone on the phone...I waited for over an hour before hanging up. So, I filled out their fraud paperwork, and though it was clear to a blind man that my account had been compromised, they rejected my claim and said everything looked fine. What a joke. Let my loss be a lesson to you...this "bank" is nothing but a scam.

starstarstar_borderstar_borderstar_border

Bonnie

February 25th, 2020 Phoenix, AZ DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstarstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

1 month ago, over $300 fraudulently withdrawn from my account. Still not resolved. Hold time is horrendous 1 time OVER 2.5 hours until I eventually I hung up. Each time I call, they add another step I need to take to get this resolved. They originally declined my claim and closed it. I fond out for the first time they needed a police report, although they originally told me I didn't. I've submitted everything and complied with all their requests. They said by March 3rd, it will be resolved. If not i will be reporting them to the BBB,

starstar_borderstar_borderstar_borderstar_border

Paul

February 19th, 2020 Los Angeles, CA

WARNING STAY FAR AWAY FROM GoBank. Someone opened up an account in my name and old address under this GoBank that I've never even heard of. I called the banks main line, was transferred to their fraud department and the fraud department could NOT close or do anything to the account!!!! Unbelievable. The only reason I found about about this is because thank god to US Postal Service they forward my mail to current address . This place operates on shoe strings and its a scam. Stay away FAR away away!

history
starstar_borderstar_borderstar_borderstar_border

Uber

February 12th, 2020 Santa Monica, CA DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Horrible, Horrible, Horrible...I lost close to $2,000 due to fraud and there was no one who could help me. I was dealing with non English speakers who didn't know the first thing about banking! Stay Away!! And Uber...you should be ashamed for aligning yourself with this scam of a bank!

starstar_borderstar_borderstar_borderstar_border

witchyme

February 4th, 2020 Eugene, OR DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

If I could give less than one star, I would. I actually loved this bank, used this card for 2 or 3 years... until the first time I had a problem. I forgot to cancel an online bill pay, that took a significant amount of money out of my account.. money I needed to pay for a place to live for myself and my 9 year old son. I realized it mere hours after, as soon as I woke up, in fact, and called them WHILE IT WAS STILL PENDING to cancel the payment. I tried to cancel on their all and online: no option. So I called, wrestled with the phone tree while figuring out how to get a live person, only to be told repeatedly, by 3 different operators, that it was not pending, it was complete, and there was nothing I could do. I was screwed. A week later, desperate, I called again... And was told the exact opposite. That it CAN be disputed , but not until it WAS complete; which I did. I filed the dispute, was told in 10 days, the money would be replaced into my account even if they were still "investigating." 10 days?? I would JUST barely have the money back in time. Then got the email about the dispute later, which said up to TEN BUSINESS DAYS... much longer than the ten days I was told. Too long. I waited, hoping it wouldn't take the full ten days. It's fairly cut and dried: the money went to make a payment on a home I'm no longer living in because I simply forgot to cancel the payment. Waited a week... Nothing. Just called, again, and got a pre-recorded statement saying they need more information and instructing me to email it. At this point, I'm livid: why didn't the call me? Text me? Email me? To tell me they needed more info?? It's their SOP to wait for customer to call again to ask for that info?? HORRIBLE CUSTOMER SERVICE. Then, after 3 calls and 20 minutes (during which the operator blatantly refused to comply with FCC regulation regarding transferring to a supervisor), a supervisor literally told me the dispute transaction team will call me once they have a resolution but not until: but they can't come to a resolution until they get more information from me. So why do they not CALL FOR MORE INFORMATION?? Seems like a shady ploy to do everything in their power to keep a customers money by making it as difficult as possible to request to cancel a payment. Thanks to them, there's a very good chance my 9 year old and I will literally be on the street. I will jump through their hoops to get my money back if it takes the next year. Then I will never use gobank OR greendot for anything ever again. On the flip side, same exact situation, using AmEx bluebird prepaid account? Except I realized the payment went out TWO WEEKS AFTER THE FACT, and requested to cancel it (which was a straightforward, simple process), even though I had little hope I'd ever see those funds again. Boy was I surprised when my money was back in my account in UNDER 24 HOURS. I will be using that account from here forward. Steer clear of greendot, they are SO not worth it when something goes wrong.

starstar_borderstar_borderstar_borderstar_border

D Stahl

February 4th, 2020 Santa Ana, CA DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

They do not refund fany fraudulent charges. Horrible they toke $2100 from my account Gobank does nothing to refund you. They denied you dispute Wenn I called they put me on hold for more then an hour.until I hang up.

starstar_borderstar_borderstar_borderstar_border

James Gundel

February 4th, 2020 Spring Hill, FL DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Very Bad Bank They don't do a credit check so scammers like to use this bank for their criminal activity. They really need to clean up their act. One star is to high Customer service was useless Do business with them at your peril .

starstar_borderstar_borderstar_borderstar_border

Ramadan tayar

January 28th, 2020 Van Nuys, CA

Be careful it's scammers they take my 200 dollars and the office in Philippine they give My credit card To Scammer isn't show me any pool

starstar_borderstar_borderstar_borderstar_border

Good Man

January 28th, 2020 Hammond, IN DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Horrible company horrible bank. Suggest nobody use that bank. I had around 2000$ on my bank account. And I saw 17th transactions for amount 1750$ that I did not recognize! And I did not made them and I tried to dispute all of those transactions. Unfortunately they told me we can not give money back to we think that you made those transactions, so It seems like I am not gonna get money back.

starstar_borderstar_borderstar_borderstar_border

spacedoutinspace

January 28th, 2020 Ogden, UT

I lost my card and i cannot get a replacement. I call and get hung up on, i write and get ignored and i went to transfer my money to my other bank and they never initiate the trial transfer. THEY WILL STEAL YOUR MONEY!!

starstar_borderstar_borderstar_borderstar_border

Tammie Lewis Foreman

January 16th, 2020 Vernal, UT

They have never deposited my SSA check into my account. Last month it was 28 days late being deposited and now this month so far 9. I have been told they have to open an investigation that it will take 2 business days everyday. I have called and so far no results. This is a big scam, this IS NOT a bank!! Do NOT trust them with your money!!

starstar_borderstar_borderstar_borderstar_border

Kenneth Lemus

January 10th, 2020 El Paso, TX DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

They stole my money! I many a purchase for X mas black Friday, and cancelled the purchase 5 days later. Long story short, GoBank has not issued a credit back to my account, siting the situation is still under investigation, even after being GUARANTEED a credit 20 days ago. Oh, they lie when they say they call you back. All they are doing is clearing their call queue.

starstar_borderstar_borderstar_borderstar_border

Gayle M.

January 10th, 2020 Jersey City, NJ

I’m pist!!! I couldn’t log into my account and I can’t use my card. I can’t even speak with a live representative

starstar_borderstar_borderstar_borderstar_border

Megan williams

January 8th, 2020 Fresno, CA

Absolutely terrible service!A SCAM! My husband and 2 small children Received 4 go bank visa cards from my dad for Christmas who thought they were normal visa gift cards each with $50 a piece on them... 2 of them can not be registered because my kids are not 18 years or older and once you are registered, as my husband and I did, you can not register another card with your information it needs (social security number and birthday) You can not get through to speak to any human on how to fix this!! There is no customer service option that addresses this issue which is BEYOND frustrating. My husband and I went to use our cards and @Gobank had charged us BOTH $8.95 monthly account fee after registering!!!! Leaving only 41.05 on the card! A COMPLETE SCAM! Absolutely NO customer service and a company so CLEARLY TAKING ADVANTAGE OF PEOPLE! So they made $20 bucks off of me just registering the card for my husband and I and I’m left With 2 $50 cards that can’t even be used and none available to help us resolve the issue. My poor dad who wasted $200 Dollars he struggled to get to get us something for Christmas. Shame On you Go Bank

starstar_borderstar_borderstar_borderstar_border

Jon B

January 8th, 2020 Los Angeles, CA DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstarstar_borderstar_borderstar_border

I rented a car through Hertz/Uber and put down a 200 dollar deposit. Hertz/Uber states that they will return this in about 5 business days. I returned my car over 2 weeks ago and after several calls to GoBank and a different answer every time I am told it may take up to another 20 days for that money to returned to my account. I was disconnected on purpose once by a gobank representative and told there was no supervisor I could speak with another time. Also one representative was able to locate all the hertz charges on my card and the next one was only able to find one. It was literally the worst customer service experience I have ever had in my life. I will wait until I receive the funds I am owed and then immediately close this account.

starstar_borderstar_borderstar_borderstar_border

Robert Strubberg

January 2nd, 2020 Granite City, IL DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Uber uses there debit card. BEWARE!!!! I was hacked through Uber then they hacked my account. Go bank made decision to not insure my $155. There a complete joke. DON’T USE THERE SERVICES

starstar_borderstar_borderstar_borderstar_border

Stacey Milton

January 2nd, 2020 Mattapan, MA DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

This is a horrible company. They're not even in US! My account was hacked and all my money was stolen and they did NOTHING!! They lack the necessary skills to problem solve.

starstar_borderstar_borderstar_borderstar_border

Ajyl Parker

December 11th, 2019 Lawrenceville, GA

Don't get one of these cards it's a scam?! My son bought a car to try to have his own account and we couldn't even set it up. The phone call and the website or complete circle 360 and you can't get a real human.

starstarstar_borderstar_borderstar_border

Janaya sanders

December 5th, 2019 Charlotte, NC DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstarstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Not so much of a good banking experience since the last month in a half. had some problems with this company account being hacked by online predators...can't get my money back no response from companies investigative department nothing...had to file a report with local police dept. just not the best company this company probably owe alot of people for claims that were transaction's not allowed by the owner of the account. just a bad business policy

starstar_borderstar_borderstar_borderstar_border

ASP

December 3rd, 2019 Atlanta, GA DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

This bank needs to be sued! Two weeks ago, someone logged into my account online and made several transactions using AppleCash. I called over five times that day to report that my account was comprised. The non- english speaking indians refused to cooperate with me unless I verified a phone number which was not my own. Apparently, someone logged into my account online, changed my phone number and transferred funds from my vault to my available cash to purchase several items using AppleCash. A week later, I was finally able to file a dispute which resulted in my claim being denied for reasons beyond my comprehension. This bank should not be allowed to conduct any financial business in USA. They do not have any means of protecting consumers personal information, nor do they have a fraud prevention department. Consumers have no idea who it is that we are banking with since everything is done online. Clearly, after reading the comments above Gobank is not an legitimate bank and needs to be put out of business IMMEDIATELY! At the moment, I am currently working on filing a lawsuit against this bank because in the end, money is money no matter how small. -ASP

starstar_borderstar_borderstar_borderstar_border

Tochukwu Paul Eze

November 25th, 2019 Rancho Cordova, CA DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

This review should simply receive a no star. GoBank is a complete joke, I'm surprised a company with no moral compass like this will get a business license and continue to operate in the United States. First I had my account compromised, I had moved from Houston Texas to Sacramento California. I haven't used my Gobank card since I moved here in Jan 2019, all of a sudden, something in Sept 2019, I started receiving multiple transaction alerts from Houston, I checked and found my debit card in my wallet. I quickly called the customer service and complained about the active card compromise. To my surprise, the agent who picked my call asked me if I wanted her to put my card on hold or not. This was shocking because this was a matter of an active ongoing card compromise. I got more alerts as she was wasting time. I asked her to block the card and send me a new card. I also lodged a formal dispute for the money I lost and finally requested a change of address. 1. regarding the comprised card, Gobank blocked my account and never sent a new one. 2. Regarding the dispute, it was informed it was denied when I followed up with them over the phone a few later. 3 Regarding the address change, the asked me to send in my lease agreement, driver license and 3 months of recent bills. I sent all to [email protected], and the address was not changed. I called again after 1 week and they asked me to resend everything and they will take care of it this time. Nothing was done. Finally, I called 6 weeks later and they said they haven't changed my address because my card is still blocked. They said they couldn't unblock the card since I requested for the card to be blocked. This GOBANK or whatever they call themselves is a complete JOKE. KEEP OFF!!!!!; How was I supposed to get the new card that was to be sent if they don't update my address, now the agent is saying there is no process to update an address if my card is still blocked! I was thinking, are they suggesting I expose my already compromised account just to change address? This people need to be sued! This is an ethical issue

starstar_borderstar_borderstar_borderstar_border

Jason medina

November 19th, 2019 Bayard, NM DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

They douse charge purchases they put my account into negative 400 dollars on day I was getting my direct deposit they took the 400 out of my next check. Customer service dont know what happened there to call in 2 days or credit me hasn't happened. There a RIP off . Sonner or later ur bound dto get ripped off by them dont use them they are crooked

starstar_borderstar_borderstar_borderstar_border

Alek liu

November 19th, 2019 South El Monte, CA

This is a scam bank,don’t ever sign up with this company guys.the customer support not even exists,I lost all my earnings from my Uber account last week and try to call the customer support not even helpful at all.hard to get my money back,Hope karma get in the person who take my money.

starstar_borderstar_borderstar_borderstar_border

Anton

November 13th, 2019 San Francisco, CA DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

GoBank is a fraud bank. If you get compromised, good luck to you. You will be left on Mars all by yourself.

starstar_borderstar_borderstar_borderstar_border

Mydaisy

November 13th, 2019 Skull Valley, AZ DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

I’mThey wouldn’t accept the only address I have had and receive mail at for the last decade, so I have a limited use account-I can’t make a deposit. That is the whole point of having this joke of an account. Even tho it is now nothing more than a horribly expensive gift card, the lousy thieves charged me a monthly maintenance fee. They screwed up the one bill I could have paid. I tried to contact them and they don’t recognize the very email address I opened the account They are thieves, just hands down friggin thieves. Thinking about opening an account? Go anywhere else but go bank! RIP OFF RIP OFF RIP OFF RIP OFF RIP OFF RIP OFF RIP OFF RIP OFF TIP OFF RIP OFF RIP OFF THEY SHOULD BE IN PRISON!!! BUYER BEWARE!!!!

starstar_borderstar_borderstar_borderstar_border

Joe

November 13th, 2019 Pflugerville, TX DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

My information was stolen and used to make several large purchases which wiped out all of my funds. After a two week "investigation" gobank determined the purchases were valid and would do nothing further unless I submitted proof it wasn't me that made the purchases. They let the thieves get away and did nothing! The kind of proof they want cannot be obtained.

starstar_borderstar_borderstar_borderstar_border

Vonsal B Haden

October 25th, 2019 Chicago, IL DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

My wife and I purchased a go bank card at Walmart and loaded $150 a week ago we have not received our money on the card or a refund we called customer service over 10 times and no satisfaction we filled we being robbed we done everything go bank required for a refund and still no satisfaction customer service reps are uninformed all with conflicting answers ..please look up our case the name is Lillian B thank you

starstar_borderstar_borderstar_borderstar_border

John Stofan

October 25th, 2019 Phoenix, AZ

Terrible bank. No one in custimer service can clearly speak English. Can't get my funds back from an overcharge even though the business sent me a copy of a deposit they made refunding the money and the bank has the funds. They keep asking for the same information even though it was sent by email to the email address they provide. At 70 years old I feel senior abuse is taking place. Someone needs to file a lawsuit against this bank so changes are made. Just so frustrating and with dealing with the incompetent staff.

starstar_borderstar_borderstar_borderstar_border

Uber Driver

October 25th, 2019 Pomona, CA DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Uber drivers, DO NOT bank with GoBank! My account was compromised while I still had my debit card in my possession. Lost $1,245 including my hard-earned Uber earnings! Originally I thought I lost $759.00 of my earning from Uber but then my account updated and I noticed other transactions that I did not do which totaled to $1,245. I sent a dispute form and it took the Dispute Resolution Department 1 month to respond to me only to tell me that my transactions are valid and will remain on my account and the only supporting document they sent along with this letter is a copy of all my transactions. That tells me they were lazy in that all they did was re-print all my transactions from the moment I opened the account and sent a letter of rejection. They did not attempt to analyze my transactions and it is so clear that I do not spend that much money in a day based on my previous transaction history. Most of these unauthorized were gas or atm withdrawals. The theif would spend $100 worth of gas sometimes 3 times in a day and then it would be followed by ATM Cash Advance Fees. I used to use the ATM cash advance fees when I first opened this account but then I quickly learned about the free ones that GoBank shows on the search map and I was only using the free atms which are named as "Cartronics" on the transaction list. I rarely use the ATms Cash Advance unless I can't find any Free ones that are open which usually are located in stores and the one I regularly go to is the CVS store. My theory is that one of these FREE CVS Atms was hacked because I read an article that those can be easily hacked and this GoBank card doesn't have a chip. Or someone hacked one of the Atms machines at one of the gas stations I went to. My other theory is the Gas system GoBank uses and it works like this. If you get gas that same gas station will take out money from your account and then put it back but sometimes it will be alot of money and its never a fixed amount but instead it can be random from $20 to your entire balance. In fact one time the gas station pulled out everything I had in my account that I now I couldn't put anything for gas until they put it back which can take minutes or hours. One time I put most of my money in the vault so that I only had what I needed for gas and when I then transfered everything back, the gas station was still able to pull out money but then they put it back. I asked GoBank why do they do this and they say it's because they need to check if there are sufficient funds in the card but they always return it back. Lastly GoBank never sent me a notification to freeze my account like most banks do when they notice an odd transaction. I had to call them myself to ask them and out of frustration and because I was going to be receiving new earings from that week, I asked them to close the account because I didn't want my new earnings to be stolen as well. In closing my account I was able to contact GoBank by phone a couple more times but if I try to call them now, I cannot because there is no option to select for people that closed their accounts. And like I mentioned, I closed it because I didn't want my New Uber earnings to be stolen and I no longer felt safe using their banking service. Still I should be able to contact them regarding the funds that were stolen and be able to continue disputing. Also, I tried contacting police about it but it seems that police will not do anything unless the bank deems the transactions as fraudulent. I contacted Uber about this in the app and their staff copy's and pastes the same response to with GoBanks contact info, they don't even read my message or the fact that I can't contact them yet they still post the same message with Gobank's contact info which means they either use some type of robot to answer questions in the app or their staff is lazy and don't read my entry entirely. Therefore, GoBank is able to get away with this. Uber needs to put GoBank in Check because Uber partnered with them and it's not okay to allow this to happen to your drivers who work hard only to have their hard work stolen which can potentially ruin lives. That money can be someones rent or their credit card payments that can now be closed or their car payment which for Uber drivers who rent a car, that could be the end of their work. Thankfully for me I had savings and I and have another debit card with Chase (which I can vouch that they are trustworthy, they have chip and they will return your money out of their insurance whenever your account is compromised while they continue the investigation on their end) so I could continue working and earning for my next weeks car rental but this is still not okay. Uber needs to protect its drivers and put GoBank in check.

starstar_borderstar_borderstar_borderstar_border

ANGEL FUENTES

October 21st, 2019 Elgin, IL

The worst bank in history...they are holding my funds...it's been over 5 weeks....WARNING, DO NOT BANK WITH THIS SOUL CALLED BANKS...YOU WILL REGRET IT....

starstar_borderstar_borderstar_borderstar_border

mas

October 21st, 2019 North, SC

the only experience with go bank is they keep trying to debit my bank for a monthly withdrawal and shutting down my account. cant call anybody cant e mail , cant get in touch with a single human

starstar_borderstar_borderstar_borderstar_border

Richard Yant

October 17th, 2019 DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

I had some transactions I clearly did not MA from another state. Bye bye hard earned money

starstar_borderstar_borderstar_borderstar_border

Jana

October 15th, 2019 Edgewater, FL DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Worst bank I have ever dealt with. Deposits take 11 days to clear. Also, currently have a pending charge that is a duplicate of one that was cleared 9 days ago. I spoke with customer service and they said they cannot do anything at this time, even with info and proof fr merchant that they only charged me once. So GoBank CS states that duplicate charge will have to clear first before I can even begin a dispute. 9 days and counting in pending. I want my money back.

starstarstarstar_borderstar_border

Why

October 15th, 2019 Mt. Pleasant, SC DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Very pissed I had a transaction that I didn’t purchase and they can’t refund my money back !

starstarstarstarstar

Cheryl Reese

October 10th, 2019 Aberdeen, MS DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

My money was transferred for no charge between my GoBank account and my account at another bank. I love it!!!

starstarstarstarstar

Brenda Leavy

October 8th, 2019 Manchester, NH DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Fantastic I have never had any issues. Love how they have no hidden fees. They tell you when you are charged for something. The monthly fee is waived if you have so much in your direct deposit. I highly recommend them to everyone I know.

starstar_borderstar_borderstar_borderstar_border

Alicia Perrine

October 4th, 2019 Peoria, IL DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstarstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

I was a 5 star Uber driver for over a year when I opened my Uber Go Bank account and, as a driver, there are some good features (i.e. cash back rewards, Uber will cover a regular driver up to $100 or more in the red, instant pay, etc). My initial opinion, therefore, was quite positive. However, I had a dispute with a company that was supposed to rent me a car for short term use while mine was in the shop for service and GoBank sided with the company who had $450+ of my money. Mind you, the company had my money and did not provide me the rental car I paid for, I provided all paperwork requested to dispute the transaction, I spoke with multiple GoBank agents and I informed GoBank that the other company would not even respond to my many phone calls, messages, emails, etc. It took 6 months for the OTHER company to suddenly recognize their error and refund my money. GoBank did NOTHING to help the process. In addition, they REFUSE to change my billing address despite multiple requests and submission of several documents as requested by their phone system and live agents. They took an entire week (7 full days) to credit a payroll check deposited by mobile app drawn on Bank of America and issued by a major corporation. And, despite their ASAP Deposit claim, my direct deposit is taking 2 days longer than it was issued to them. They provide the WORST customer service I have ever experienced and I would give them ZERO stars if possible. I have told them this directly, asked many times for help and I am closing this account the minute I can withdraw all my money.

starstar_borderstar_borderstar_borderstar_border

Rene Torres

September 30th, 2019 Washington, DC

The worst Bank I've ever dealt with. Made a purchase at Express.com. Lost my debit card used for the original purchase and decided to put the refund on my Gobank. The store rep said that's OK to do so. Gobank blocked my card and I have about $900 in the account and send them original receipts of purchased and they want a different receipts every time I call, they always come up with something different and not willing to release my money. I might need to get a lawyer to get this but be aware and they always have an excuse to steal your money.

starstarstarstarstar

Christine Vasquez

September 26th, 2019 Fond du Lac, WI

I was leary at first because the bank is digital not a physical place I could go visit. But I have had no issues with my bank or my bank card. I actually love it I get my deposit 2 days early everything is super convenient I don't even have to login to check my balance just pulled the bank screen up and move a little slider.

starstar_borderstar_borderstar_borderstar_border

rik richards

September 26th, 2019 Kingston, OK

SUDDENLY a Gobank Card is attached to my PayPay. GoBank has NO LIVE PEOPLE, just a computer that only allows you to access them, IF, you choose from their pre programmed responses. THIS MUST BE A SCAM