GoBank
Is This Your Business?1.3
2.3
Overall Score
Author: Kaitlyn Short
LAST UPDATED: March 28th, 2025
GoBank, a brand of Green Dot Bank founded in 2014, is an online checking account.
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 mobile app to start your account. The account can be opened on a smartphone or computer, and the starter Mastercard debit card is immediately activated and usable until the permanent card arrives.
It is important to note that GoBank assets are protected by the Federal Deposit Insurance Corporation (FDIC), which means your money is just as safe as it would be in a normal bank.
Attention: GoBank and GO2bank are separate Green Dot Bank products
In January 2021, Green Dot Bank introduced its new online banking program for consumers with limited access to financial products, GO2bank. Although both GoBank and GO2Bank are similar in name and function, they are not the same product and are meant to serve different consumer audiences.
Continue reading for pros and cons of this online bank, as well as GoBank reviews from real customers.
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The Good
- Award-Winning Mobile App
- Monthly Fee Waiver
- Easily Transfer and Receive Funds
- Large ATM Network
- Deposit Cash Nationwide
- Uber Visa Debit Card
Award-Winning Mobile App
To take full advantage of what GoBank has to offer, customers are encouraged to download its mobile app.
Through the app, customers can check their balance, view their transaction history, find free ATMs, deposit checks, send money to other GoBank cards, and receive account alerts.
The app also includes the following helpful, and unique, features:
- Fortune Teller — An exclusive feature to the GoBank mobile app. After building a budget on the app, Fortune Teller checks against your balance, budget, and a purchase amount to see if your next purchase will fit your budget.
- Money Vault — If you want to set a certain amount of money aside, you can put it in the Money Vault for safe keeping. You can move money in and out whenever you want to, allowing you to set money aside as needed.
The app is available for both Android and iOS.
Monthly Fee Waiver
GoBank will waive the $8.95 monthly fee for your card account if you have signed up for Direct Deposit and have a monthly payroll or government benefits deposit of at least $500.
Easily Transfer and Receive Funds
Through the GoBank mobile app, you can easily send and receive money in just a matter of minutes.
It is important to note that money can only be transferred from your GoBank card to another GoBank card and vice versa. This makes it easy if many of your friends and family are GoBank customers, but if they are not it may not be an ideal way to send money.
Large ATM Network
Unique for an online banking service, GoBank has a massive free ATM network available for its customers. Through the GoBank app you can easily see the nearest ATMs to you.
Please note that for withdrawals made outside of the GoBank ATM network, you will be charged a $3 fee in addition to any other fees that the ATM owner may charge.
Deposit Cash Nationwide
GoBank makes it easy to deposit cash to your checking account at over 100,000 retail locations nationwide. This cash deposit service will cost you up to $4.95, or $0 at Walmart locations, and the process is simple and easy. At a participating location, you ask the cashier at the register to deposit cash directly to your GoBank card, and those funds should be available in your account within minutes.
It is important to note that this service is not available in the state of Vermont.
Uber Visa Debit Card
Through GoBank, in partnership with Uber, the Uber Visa Debit Card gives you rewards on every day spending, such as cash back on all purchases with no overdraft fees, monthly fees, or minimum balances.
It is important to note that this card provides larger cash back rewards at specific locations such as, Exxon and Mobil, Advance Auto Parts, and Jiffy Lube.
The Bad
- Multiple Fees
- Paper Check Deposit Stipulations
- Slow Electronic Payments
- Missing Card Response
- Account Closure Process
- Customer Reviews
Multiple Fees
GoBank has multiple fees to be aware of:
- $8.95 monthly fee which can be waived if you meet certain criteria
- Out-of-network ATM fee of $3 if you withdraw money from an ATM outside of GoBank's network
- Cash deposit fee up to $4.95 at certain retail locations ($0 at Walmart)
- Paper check deposit fee through Ingo Money
- Replacement card fee of $5 if your card is lost, damaged, or stolen
- Foreign transaction fee of 3% of total purchase amount
Paper Check Deposit Stipulations
To deposit checks to your GoBank account, you must download the Ingo Money app. This may be inconvenient for consumers looking to do all their banking in one app.
Ingo will generally accept checks from $5 to $5,000, and you are limited to how much you can deposit per day and per month. Your funds should be available to you within minutes, but for a fee. Checks deposited through Ingo require a fee of 2 percent for payroll and government benefit deposits with a pre-printed signature, 5 percent for all other checks, with a $5 minimum fee per check.
Slow Electronic Payments
Electronic payments take two to three 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.
Missing Card Response
If your GoBank debit card is lost or stolen, it could take up to four weeks to get a replacement. In the meantime, funds cannot be accessed and you may be charged a cancellation fee for the missing card.
Account Closure Process
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 Reviews
Of the more than 370 GoBank reviews, 90 percent of customers gave GoBank a 1-star rating.
Customers regularly complain about GoBank randomly closing accounts for unauthorized reasons, in addition to frequent reports of fraudulent use of GoBank debit cards. Some complaints include misallocated funds, misuse of the card or stolen card numbers, and intended funds that were never completed. 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 it has 24/7 customer service, customers report that they stop answering the phone after a certain time in the evening. This is super frustrating for customers with questions about instant pay, online purchases, credit scores, points, statement credit, as well as Uber and Lyft questions concerning the Uber Visa Debit Card. 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.
The Bottom Line
GoBank can be a dream come true for people on the go who want to avoid working with big, traditional banks.
Those who choose to use GoBank's services can expect limited fees and penalties, online access to funds, and deposit limitations.
It is important to note that 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. In addition, if you lose your debit card or it is stolen, it could take weeks before another is issued, and your funds cannot be accessed without a card.
For more information, see GoBank reviews below. GoBank consistently receives poor reviews from its customers.
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Laurance McGriff
Worst Bank Ever. My VA. Disability was deposited on 3/26 my acct was compromised within hours a 1692.00 TMobile purchased unknown to me . I made bank aware. They locked my card. I wake up 7am the next morning my entire $3894 had been cleaned out. My pw had been changed and I was locked out.
GO BANK allowed this money to be deducted on a online payment unknown to me. I never done business with the company called Buyngon LLC. I am told my funds if at all recovered will take up to 90 days. 2nd Time this happened. I regret working with this bank. You can have money they stop legitimate transactions but allow fraudulent unauthorized transactions. Get your money out this Bank before its too late. Close your account Asap. They was fined $44 millions last year for this same behavior google it.
3 weeks ago
James Barnett
1000 dollars was transfered from my acct without my authorization. I contacted go bank/green dot bank immediately. They closed my acct. It took over 6 weeks to get remainder of balance and have yet to receive the 1000 stolen from my acct. I contacted them within the hour of it happening and they stopped transfers of the money. It's been 3 months still no money and no communication. I guess someone enjoyed the 1000 that works for green dot bank/go bank.
7 months ago
Michaela Smith
GoBank took my money out of my Account ($65) and told me it was a glitch in that system and I would be notified when the money was returned to my account
Needless to say, I still haven’t gotten my money back and I have rerouted all incoming direct deposits. When I do get my money, I’m shredding my card and no longer using this bank. THEFT!!
7 months ago
Rebecca
We were customers for 10+ years. This one transaction worth 808.08, and 35.99. A cable company from the east coast fraudulently stole our money, and GoBank agreed with them. Does it help that we live in MN, and pay our own cable company here in MN. No customer services.
8 months ago
Review Source
Ron Smith
I would give a zero. I asked to update my address and the next thing I know is they blocked the card that was still working until 5-23 I had to email photos of my drivers license which I did. They NEVER TOLD ME my card would not be allowed to purchase or withdraw funds. I get direct deposits on Wednesday. To pay bills. I am going through chemotherapy and cannot
Use card to get my medication. Today they informed me I would have to wait an addition 7-10 days for new card. So for the next two weeks they can hold my money hostage. I have called every number and email that claims to help. All I get is we are sorry this happened. Do yourself a favor and close your account before this happens to you. Imagine all I wanted to do was update my address. I have been loyal customer for 4+ years. I have documented this entire situation and will post to You tube and other social media This is wrong and they will not respond , hang up ( that happened 3 times ). Go bank is terrible
And do not care about my health or financial situation. If this happened to me it could be easily happen to you. Sad sick and desperate
2 years ago Edited April 18, 2023
Vicki Guzman San Diego, CA
Horrible, this bank is stealing from me several times. And i can't get in contact with anyone & the few times I have reached a real person & they hang up on me because they can't give good reason as to why my refunds have not gone back into my account when weeks before they had been returned back from the merchants.
My money is disappearing from this account.
This needs to be reported to whoever is in charge of the online banking .
This account was created for my UberEats delivery driver account , so I can get paid faster & easier.
Every contact link for support through them leads to a dead end.
This is ridiculous.......I want all my money back from these CROOKS!!!
1 star only cuz I had to so I can send in my review
2 years ago
Shaneka Young Seminole, FL
This is the worst bank ever. Uber need another bank to partner with. Reason this bank is a crook. Reason go get gas the card declined but money is on the card. Ok let try again cause I know that I have money on this card. The card declined again. Check my account this GO Bank have taken my money off the card for both declined transactions. I’ve been calling this bank for almost a week. No customer service person can help you. Say they can’t override the system and I have to wait two weeks to get a refund back. That’s BS. Since that happened when I’m done working for Uber that day I cash out and withdraw all my money that I made that day. FDIC need to take their name off this Cricket bank.
2 years ago
J S Brooklyn, NY
Discounts on gasoline are best feature.
Not having a live bank or in person agent is the worse!
Had direct deposit set up & used for years with no problems. Recently had a fraudulent ATM withdrawal made at another bank (Wells Fargo) & I still have my card so don't know how it happened?
Notified GoBank immediately & was told "the transaction is pending, so we can't do anything for 7-10 days" Although my card is in my possession, someone withdrew money & they rejected my complaint/notification of fraudulent activity & closed the investigation immediately (twice).
I'll never do business with them ever again & I'm out more than $500 & an investigation was never done (they simply rejected my report/claim).
*Warning...do business with a traditional bank, not an online bank*!!!!
2 years ago
T J Norfolk, VA
When I called Uber gobank customer service for help. They didn't help me at all. They kept giving me the run around. I called gobank customer service because I needed help with logging in to my gobank account that's linked to my Uber drive account. I couldn't get into my gobank account at all no matter what method I tried. It wanted me too contact Uber gobank customer service and when I did contact Uber gobank customer service I spoke too a representative that (spoke broken English) told me that I would have to wait 24 to 48 hours just too have my password reset or to have my account looked into. Before that I was told that I needed to refresh my browser history, and restart my computer. Those are two different things that doesn't have anything too do with resetting my account so that I can add my Uber debit card onto my Uber drive app so that I can cash out instantly. But Uber gobank representative needs to be fired and hire someone that can speak proper English (NOT BROKEN ENGLISH) and that's going to do their job. And they are no help at all. All they could have done was reset my password or fix whatever that was wrong with my account instead of making me wait a couple days to fix something so simple. Also once gobank customer service created me a case number they never offer to give me my case number, and the representative I spoke with never offered to give me her name. She was rude and she didn't NOT do her job at all. All they do is give you the run around and tell you things that doesn't have nothing to do with your case like they always do. If I could give zero stars I would.
2 years ago
Sadrianna King Saint Paul, MN
I got this card as a form of payment for doing Uber eats deliveries, so didn't actually go looking for it. It seemed like a good deal, get a lot of cashback rewards through Uber, what no one tells you is that if you use this card for a deposit or get a refund to it, Go bank then puts a hold on your money for over 2 weeks. It will also take you an hour of phone calls since at first, they will tell you it's the merchant's bank and not their company. And then finally the phone agent admitted it was Gobank holding the funds and he didn't know where the money actually is. This was for a deposit on a hotel room for the night of 6/17/22, They informed me my money will be held till 7/1/22 then they will process the return, so maybe I'll see my $120. by fall.
Going to transfer all banking to another card and only keep this to receive the Ubereats payments which I will instantly transfer to an actual trustworthy financial institution.
2 years ago
bigmiker Chicago, IL
The biggest negative for Go and Go2 bank is the cost of the service. While it costs nothing to make a direct deposit into Go or Go2 bank. Any deposit into Go bank will incur a cost of at least $3.74 per a maximum of $500 in deposit, or almost 0.75% at a minimum (the less you deposit, the higher the percentage fee). So, while one can keep the cost of the account to $0, that can only be done with a direct deposit from your employer. Any other cash supplementation will have a charge.
Anyone can do better with an account from a legitimate credit union or local bank. The on-line features or this bank do not justify the cost of having it. Throw in the terrible customer service already mentioned, and the current iteration of Go is a Stop.
2 years ago
Sarah Dyer Springfield, OH
Used card for a hotel deposit. Deposit was released and the pending charge disappeared. Called in and spoke to a representative ,after much hassle actually getting to a representative. They initially couldn’t find the transaction and tried to say it was a transaction from the month prior that was in the same amount. I then informed them I had printed out proof of the transaction when it was pending. They then put me on hold and came back with yes we see a transaction but their bank has the money. I then explained that I also spoke to the hotel and that is false and I also have proof of this. I again was placed on hold. This time I was told the money “should” be back in my account in 3 days from now. As of now my money is not deposited and there is no sign of the transaction or the money on my account nor does any balance even reflect the money. Very fraudulent and deceitful practices. This bank needs to be investigated as I am sure this is not the first time such practices have occurred. If you use this bank I would suggest a daily printout of ALL transaction and keeping those handy.
3 years ago
Stephen Menges Atlanta, GA
Had an obvious fraud attack on my account in that 114 individual charges of $5.43 were posted in matter of several hours. Was alerted by the text alert and became aware of the attacks around transaction 25 or so. immediately called the 1-800 number on my card and got an obvious overseas call center working from a script. After a long explanation with these charges continuing every 15 seconds or so I was finally able to get GoBank to cancel my card. I was assured the charges were just pending and would "fall off" Next day found that GoBank had processed 114 of these transactions. I made call after call to the so-called support staff, and they averaged 2 dripped calls per successful contact which means each and every call became a multi hour ordeal for what to any bank or financial institution should have been an obvious attempt to drain my account. Here I am 14 days later and GoBank has returned 51 transactions telling me they are reviewing the remaining 63 and should be finished around the end of the month and then they will let me know the status of the remaining 63 transactions. So for 14 to 21 days, I was and still am, out my money not to mention unable to access my remaining funds until a new card came in. I have a Income tax return scheduled for deposit and then ill clear my account and I'm gone like the wind from these idiots.. Don't Use, Don't Trust, There is zero professionalism with this Bank. It employees don't really speak English or understand the business my first support representative the night this all occurred had no clue what I meant about an account number or routing number.
I gave them a 1 star because the 0 star is not an option.
3 years ago
Jeffrey Lockett Raymore, MO
*Attention* The services that you receive from this bank are horrible. The account is either always locked or blocked. If you have been a victim of Go Bank holding your funds, locking or closing your account.
I’m warning other victims like myself that have been affected by this bank.
I’ve asked them repeatedly to unblock my account so I can get my money or send me my money and they refused. They keep telling me the back office is working on it.
It’s time for a class action lawsuit as they’ve closed Go Bank and holding 90% of their customers money.
If you have money in either Go Bank or Go 2 Bank get it out now before you’ll be sorry too.
They need to be shut them down so they don’t hurt anyone else.
Jeffrey Lockett
3 years ago Edited January 10, 2022
Craig Bentley
Do not get this card the company has No Honor, practice or even know what diversity is and what's even worse than the first two things I mentioned have no loyalty to the customer at all. Here I deposited $440 last Friday and within 20 minutes got burned on an Uber eats in San Francisco; I live in Arizona. So now I had to cancel my card. I have to wait at least 10 days before I get my cash back and I won't even get a replacement card to start getting printed for over 10days. They say two days for someone to contact u (business days of course). I also had a 56 dollar fraudulent charge as well. Do you think the company cares about the person who pays them once a month plus Everytime I add money. Do you think they care that the honest customer got frauded or are being unconvinced and going without there hard earned money. Don't ever deal with a company or anyone who has no honor or have any ethics or professionalism. This company is as lowlife as the crooks who stole my funds. Be proud 2gobank u are truly scumbags just like the scumbag thieves . U truly are as worthless as the so called President of the United States.
3 years ago
Review Source
shirena Joseph Ellicott City, MD
If I can give the is bank 0 stars I would this some bs, I had a deposit coming back on my account that was suppose to be released over 10 days ago. Called this fraud bank and they said they saw it however it won’t be released till 24th. It was in my account as hold up till today now I don’t see. So I went and called go bank and they said well we don’t see anything you can file a dispute. So now I’m pissed off. So basically they stole my money. Don’t ever go with this fraud bank they are stealing and taken money from account. Don’t have nothing deposited to this bank at all. Worse customer service ever
3 years ago
KERRY EVANS Georgetown, TX
This bank shows in its description : "Green Dot Corporation and its wholly owned subsidiary bank, Green Dot Bank, are focused exclusively on serving Low and Moderate Income American families" so it is targeting those that work in this country to make a living but do not have expensive lawyers o fight them! Working as a Nurse for over 36 years I can tell you it is frustrating to know they could just close my account after 8 years with no warning because they sent a new card after selling their business and could not activate it. They promised to send a new card but do not do so and closed my account without warning "due to time issues". Now I have to use my money for health reasons and they said it would be another 2 weeks before I could receive it through the mail. Is this not a fraudulent move? I mean they never sent the card you think I will ever get my money? Does anyone know of a lawsuit going on to get my money back? Never thought there would come a day in America this would happen again.
Kerry Evans RN
3 years ago
David Williams East Brunswick, NJ
This online bank is not consumer friendly. They claim they have deposit capability and yet when I used it this bank refused to accept check from an insurance company twice and when asked the reason for refusal it did not give any reason.
Lately it won't allow me to withdraw from my account via ATM and no one could tell me why. I got an email and no one bothered to give me update. For over 2 weeks I can't withdraw money. I had to issue a check for someone to cash for me.
I have enough of this bank. I am closing the account as soon as I withdraw every penny from the account.
Please read upon on Chime and Varos before considering Go bank.
3 years ago
Amanda Denney Visalia, CA
If I could vote negative stars, then I would. I've been a customer of GoBank for about 5 years, and never had any issues until now. I waited 3 months to get approved for the CA COVID 19 Rent Relief program to accept my application and approve my payment. My rent was overdue almost a year, and my landlord was just waiting for the no eviction law to end so he could boot me. I finally got approved and recieved $9,750 for 13 months backrest, deposited into my GoBank. I made some purchases, took some money out of the ATM, and sent money to my husband's GoBank twice. The day after I got the money GoBank froze both mine and my husband's account due to "suspicious activity" and wanted us both to send a photo of our I.D. front and back. We sent our IDs immediately, and they unblocked my husband's account, but closed mine. Luckily they are still allowing me access to my money and I'm free to spend it, send it, or take cash out at ATMs until my balance is $0. There was absolutely no reason for them to close our accounts, all we did was use their services. I'll never use GoBank or Green Dot again.
3 years ago
Ruth Anne Resnicow Atlanta, GA
I would give 0 stars if I could. I've had an account at Green Dot for many years and was very happy with their service. Suddenly I'm transferred to Go2 and it sucks. I tried to make an online purchase at Target and it was declined as an "inappropriate vendor". So was the next online purchase I tried to make. So was a PayPal purchase. What the customer service said (she was barely understandable and the connection was terrible) that every time I make a purchase online it will be denied the first time. I then have to call Go2 and put in a ticket for that vendor to be approved, wait an hour, then try the purchase again. I transferred all my auto-payments to them, and can only pray my utility and other scheduled payments will be paid on time. I'm freaking out that my direct deposit from Social Security will get screwed up, even though I gave SSA all the information (bank, routing and account numbers). I'll be moving to a different bank ASAP. Green Dot, you really screwed the pooch on this one.
3 years ago
Damaris Santiago Tewksbury, MA
Damaris Santiago
On 9/27/2021 I received a message stating that my account was closed due to verification purposes. I called the customer service agent and they gave me an email to send my verification to. I sent them the info and called them back. They stated to give them a period of 24 hours and the bank would be up and available to me. Now I had in the vault 2,187 when I called it stated that I only have 187.00 in the vault. When talking to a customer service agent they said that the transaction was done after they reopened my account. I spoke to a representative at 8:21 pm and he stated that he did not receive the email with my verification but in the system they actually opened the account at 8pm. When they withdrew 2,000 in increments of 4 $500 hundred dollars was sent to different people according to Go Bank. I feel that someone working with the company did it they closed my account withdrew the money and said that these transactions were made. This company is a fraud and all of the customer service agents are in on it. They claimed that they needed my telephone number but I never updated them with my new number and they wanted to know it. Now they are claiming that they are conducting an investigation. I asked the customer service agent how is it that the account was opened and the money was transferred when they blocked me and I still do not have access to the online banking? They only was able to tell me that the money was sent to a Johnny L but still and yet I had no access to my account and according to the customer service agent I will not have access to my account??? Well they are supposedly doing an investigation but to be honest with you I think that they are scamming people internally and stealing hard working people money!!!! I am 2,000 less because of this Bank.
3 years ago
Vidocity Media Austin, TX
WARNING! GoBank deserves a very negative 5 stars, and here's why. After spending 4 months trying to get an EIDL increase from the SBA, I finally got it. Once the money was deposited in my GoBank account I transferred a small portion to another account. GoBank deemed this as suspicious and asked for an ID verification. I complied and they said I failed, but could not tell me why. They then closed my account. After an hour or so of trying to get through their automated call system (which almost always tells me the information I have entered is incorrect) I finally got through to someone who barely spoke English. I asked to be transferred to someone else and she disconnected me. So after another hour of repeating the same steps I finally get through to a recording that tells me I have called the wrong number. After another 30-45 minutes I FINALLY get through to a human being, who also speaks very poor English, and who tells me the only option is for me to ask the SBA to recall the funds and re-issue them to another bank account. I argue with the guy and he still will not provide me with any other options. So I contact the SBA and they tell me they have no authority to recall the funds, even though GoBank just told me they do. So now I have a large sum of money sitting in a closed account which I have no access to, and the only people (the SBA) who DO have access to it REFUSES to do so.
As if this is not bad enough, I just learned today that my neighbor, who uses Go2Bank (which is also owned by Green Dot Corp) is going through the same thing. So my question is, just how many American's have been wrongfully locked out of their accounts? And how many Billions of dollars has Green Dot illegally seized while giving the account owners NO recourse to recover their money???
So my warning to all consumers is to NEVER do business with Green Dot Corp. If you ever have an issue, forget your password, change your address, change your phone number, fail an ID verification, etc. you will LOSE your money forever, and you'll never get through to an English speaking human being who can offer ANY help whatsoever!!! They are the absolute WORST financial institution that ever existed.
3 years ago
Cody Take Lake Arrowhead, CA
This should be a 0 STAR RATING. I have had this account for 5 years and never had an issue with them, until today they closed my account with no warning or notice. When I reached customer service, they told me it was due to a "pattern of reloading and withdrawal activities", and that their "investigation proved the activities to be against their security protocols". Thing is, I haven't done anything that should be deemed suspicious. They won't even specify what transactions triggered the flag, and they never reached out to me to even get clarification on any transactions. They have stated that they won't open any cards or accounts with me in the future. I have seen many reviews that have similar situations. I was disappointed and angry at first, but now I can just say - good riddance GoBank!!
3 years ago
Jennifer McKinney Stockton, CA
Do not open an account with them! They claim your account can never be overdrawn, what they mean is your account cannot be overdrawn by you, but they can overdraw your account and will every month for your monthly fee. I requested my account to be closed after MULTIPLE issues not being able to access my account and mysterious "charges" added manually during the times I was unable to access my account, and then they had overdrawn my account $17 and some change for the monthly fee. Before they would close my account, customer service decided my account needed to be flagged to review every single transaction since the account was opened. During said review, they supposedly found numerous erroronous transactions and updated my account balance. The new balance for my account due to the supposed errors was NEGATIVE $4385.03 which they said I am required to pay before my account can be closed. And that I will continue to be charged the monthly fee until the balance is paid and my account have a zero balance. But yet they say your account can never be overdrawn. I filed a complaint with the Federal Reserve and during their investigation of my account not only did they find I did not owe the 4385.03 at all, but that Gobank OWED ME almost $2500 which gobank refused to pay and I ended up receiving it directly from the federal reserve instead about 6 months later.
3 years ago
Latrece Clark Dearborn, MI
Hello my name is Therron Jackson I purchased a gobank card from CVS in dearborn heights mi. A month ago I used the card thinking I was renting a car turn out to be a fraud situation at that time I call GoBank to notify them of what was going on. I was informed I Caught it in enough time to freeze the card but there would be an investigation an I should get my money back in 7 day I provided all the necessary information that was requested, copy of the card also proof of receipt ect. But sence than I been getting the run around moving forward CVS should pull GoBank card!!!! GOBANK company is not for the people very rude and there never a manger to speak with I repeat please 🔉 pull GoBank cards out our local stores if this is how they do business!!!!,
3 years ago
Arielle Joy Las Vegas, NV
the very first transaction that I attempted to make never showed up in my account it was a debit card transfer for one of my checking accounts into this bank account it never appeared and it's still to this day shows as a pending transaction.
due to that I closed my Go2Bank account immediately because I can't be doing any type of banking with a company that can't even legitimately complete a transfer, especially not the very first deposit.
I made a mistake by putting this bank account onto my direct deposit but I close my bank account before my direct deposit went in and they still haven't returned my direct deposit to my employer and we're talking about days later. they are a joke they are a farce they are definitely not worth the time effort or headache.
3 years ago
StockGirl 7379 Checotah, OK
To everyone trying to get to your funds after account being locked.. And needing to verify identity.. Go to Facebook... Search GoBank use messager to message them.. Explain your issue with giving your last 4 digits of your debit card.. Date of birth.. Phone number.. And e-maill address associated with your account. It may take them a day or two to respond but they will answer.. they will send you a link in messenger.. then upload front and back of DLisence... After I followed the prompts my account was immediately unlocked.... Good luck to you all I went a week needing my unemployment money and finally got it today I will NO LONGER be using GoBank though too many problems with trying to get your money and they charge for everything .
4 years ago Edited September 14, 2021
Sarah Moore Florence, AL
As with most others who have written a review for GoBank, I agree the customer service is the worst I have ever experienced. DO NOT BANK with them. I never received my new card after my current card expired. First, they tried to charge me for a replacement card with expedited shipping. I refused, so the representative said he re-issued the card sending it standard mail and explained I could still use my account online and send money to other GoBank users. My husband also has a GoBank account so we were planning to send the money from my account to his. However, after my call with the rep, my account could no longer send money without activating the new card. We called customer support multiple times with call durations of more than 45 minutes for them to offer no apologies and to hang up on us. There is no way to contact a supervisor or file a formal complaint. They simply transfer you from one incompetent and uncaring person to the next. Or if you use the chat help, they will just end the chat. I haven't received an email for the help email I sent as of yet, but I am sure any response will be more of the same with no resolution. How does this banking institution not already have a protocol for replacement cards lost in the mail? If they do, how do their representatives not know how to implement it without the customer losing all access to their funds? Absolutely the worst customer experience! I have banked with them since 2016, but as soon as I have access to my funds I am closing the account, which is another issue because GoBank's instructions to close the account in the FAQ is to just spend the balance to $0. I have so many questions/concerns/complaints and absolutely no way to reach anyone at this company to help provide answers. It is ridiculous. I hope this review saves someone from this frustration. So again, please do not bank with GoBank!!!!
4 years ago
Michelle Vaillancourt , MO
I give them a big fat 0 ... I receive the card in the mail everything sounded ok so I deposited 500.00 on my card . I tried to cash app a friend some money and cash app had to refund the money for what they said was for my protection. After confirming with cash app that they refunded they money and soeking with 3 go2bank customer service reps who all said they see the refund but will take 7- 10 days. On day 10 when the refund didn't arrive I called again. This time they said they see No such transaction. I am extremely frustrated and still haven't received my refund... how do I file a complaint
4 years ago
I was bamboozled ,
DO NOT GET THIS CARD!!!! RUN FAR AND FAST!!! To start, they offer a $200 overdraft. Sounds cool right? NOT! For each purchase you make in overdraft (even a $1 verification or $5 sandwich) YOU ARE CHARGED A $15 fee per transaction IF not paid back in 24hrs. So you can NOT split up your $200 overdraft into separate purchases or you will be paying with your LIFE! & they start snatching it before the 24 hrs hit. There’s also a $5 monthly fee unless you have direct deposit. That’s $60 a year just to use their card. This card is a joke. Please don’t even put yourself through it! Also, when your card is locked you cannot receive any refunds owed to you. It will be rejected until you unlock your card.
4 years ago
Eric Ross Sulphur, LA
This review page needs a "zero star" rating, because that is what everyone writing a review would give them. DO NOT open an account with this bank. They will steal your money, and you WILL NOT get it back. They have the worst customer service that I have ever had to deal with. When you do reach customer service on the phone, it sounds like you are speaking to someone in Pakistan or Mexico (bad english). Then, when you ask them a qustion, they are completely "clueless" about the issue that you are inquiring about. They just keep transferring you to different people to start the process of asking you questions all over again. Do yourself a favor, steer clear of these people. There are much better banks to do business with without all of the "fees".
4 years ago
Yagadah Washington, DC
Do not and I mean do not bank with this company. Their customer service is worse than horrible. I attempted to withdraw money from the one of the ATMs they suggest using and the Atm debited my account and did not provide the money. I called for file a dispute and it’s been over one month still no resolution. I provided the receipt from the atm saying the atm could not provide the money at the time and still no resolution. A provisional credit you ask, no, I have not even received one of those. I was instructed that IF the dispute took longer than 10 business days and I mail a letter to their P.O. Box that I could receive a provisional credit. I mailed the letter and during holiday season in a pandemic, they informed me they did not receive my letter within 10 business days. I was not made aware the letter had to be received within 10 business days. During holiday season of a pandemic, they received the letter on the 11 business day. I later found out that the letter could have been emailed which I would have done because who wouldn’t have. I called and called only to be received with long holds and empty promises. Christmas Eve I goto withdraw 300 and almost a month later (1-20-21) during a pandemic, I still don’t have my money. They have no locations or no banks I can goto so instead I can only hope and pray. Do not bank with them please!!
4 years ago
Miss Lo ,
AVOID THIS ILLEGITIMATE BANK!! They are a SCAM! Someone stole my card and emptied my account. Gobank gave me the run around as far as getting my money back only
To tell me a month later (today) that
THEY DENIED MY DISPUTE CLAIM. I was told I would Have to find the merchant and have them give me a refund. I was on the phone with GOBANk when the second transaction came put of my account. They said my money was still In my account but that was a lie! I told them I needed my
Money to feed my kids (this was December 11, 2020) yet they did not care or file a dispute. I had to wait 11 days before they filed and then another 7-10 days for a refund. I was just told via email this morning that they denied my claim. I was also told they CANNOT STOP PAYMENTS SO THE LARGE SUM I HAD COMING INTO MY ACCOUNT WAS IS AT RISK! They are a total scam and I am reporting them everywhere I can!!! Avoid the headache and do not put yourself in the position to be out of money like me. I am so pissed off!!
4 years ago
Roger Ethington Queen Creek, AZ
I have no accounts with GOBank but received a card I never requested. Fearing some of my personal information may be compromised called the 888 number on the card.
Was hung up on twice but with persistence, eventually got transferred to their "fraud division" where "Jen" a somewhat English speaking representative tried to assist. After 5 attempts she was able to correctly get the card number. Although I could hear her (her kids and dog) easily she would frequently say "so sorry, you breaking up, too much static". I requested a supervisor but.... "high call volume, no supervisor available",
Through continued broken English I was advised to cut the card and call back later to try for a supervisor. This has already taken 30 minutes to get this far !
I have zero confidence in this organization and fear I may be caught in a scam. I will never do business with Go Bank and would advise others no too also.
4 years ago
Shane Bullock Torrance, CA
This is the worst move I've ever made. The 15th I had to report my card stolen, received an email saying that it would arrive on the 25th. That day I checked with the post office and then called, the woman informed me that I would be receiving it on the 28th. That day I called and the woman tells me it would be 2 more business day. I call again today and the automated system tells me that my card arrived on the 23rd. If my card arrived on the 23rd, why did 3 different employees tell me otherwise. Why are they giving me estimated dates of arrival, but can't provide me with a tracking number? I now have to be issued another card and am told it's 7 business days. My unemployment money is going to that card, I'm without a job and yet the little money I have is being held hostage. I then am told I can have the card expedited, but will have to pay $15. Are you serious? And the woman wouldn't even let me speak to a manager. I've never been so upset and at a complete loss, because there's nothing that they can or will do. It'd be really nice to know what I'm supposed to do with another week of having no money... thank you gobank, you've treated me so well
4 years ago
Kay Asheville, NC
They don’t deserve even 1 Star! I’ve had this card for over 3 years and the things they’ve done have been unconscionable. First they said this ATM in my neighborhood was free. The first time I used it it was free. The second time it was not. So no more ATM. Now this -I’ve used the card for gas at this one has station hundreds of times. It’s a debit card so I punch in my passcode and I can only use what’s on my card. I transferred money from a gig job onto the card tonight. Exactly $96.01. Some for gas and some for groceries. I get $8 in gas and go grocery shopping. It declines my $65 purchase! I call them and I have a Zero balance. I talk to an agent and she tells me there is a $75 preauthorization fee and it will be back on my card on September 17! What?!!! She insists it’s a vendor charge. The vendor tells me it’s GoBank! And I know it is. They are holding onto my money and they know when they’ll release it. Supervisor was zero help! And now I have no food! GoBank sucks! I guess I’ll have to find a food bank tomorrow. I’m in tears. Mad, sad, hungry! No. I’m furious!
4 years ago
Cocoman M Bakersfield, CA
If I could give them zero I would. There thieves! They take the little credits going back into your account and make them disappear. I've had go bank for almost 5 years and had a deposit going in every 2 weeks. I'm not much of a money saver do I really never looked at my transactions or monthly
statements,but the coronavirus got me laid of and the checks dwindled. At that time I became frugal and watched every dollar. What I saw shocked me. I rented a room at Springhill suites paid online with Priceline, but at hotel they wanted 20 incidentals deposit. Ok I have them my go bank card and when I checked out they said 20 will be credited within 2-3 business days. Ok right. That was on 5 of July. July 28 I looked at my transactions and it said credit for 20 from sSpringhill. Later that afternoon it was gone. I called and they said it was a pending credit I should get it August ,6. When August ,6 came no credit. They tell me oh you got that credit on July 16. I said no I didn't
They said yes check your statement. I hung up and checked and what no saw shocked me.i became speechless. I saw a statement that had been completely redone
. The 20 credit was gone. Nothing never existed July 4 I never stayed there according to go bank. The 25 credit from Radisson gone. Target credit gone Walmart credit gone. Basically what they did was keep my small credits and redo my statement like it never existed. Wow to have that much power is scary
.
4 years ago
Kelly Richmond, TX
This company is awful. I was an Uber driver and decided to get their card. I then decided I would use that card for a play money and had my full time jibe deposit 100 per pay period. The initial card I was given did not have a chip and scammers were able to steal the card info. They then used the card at an atm. There was a transaction for checking the balance, transaction for withdrawing the money, and a fee for using an out of network bank. I saw the same day it was done and called immediately. As everyone else has mentioned, their hold times are terrible but I stuck it out. I was told that I had to wait for the charges to process. Called back a couple days later once they processed and filed the dispute. Received a letter stating it was denied. Called again to find out why. I was told they needed additional information. I filed a police report as they suggested and MAILED everything to them. Received an email today that the dispute was rejected. I’m pissed. I will be waiting on hold with them again today but expect they will do nothing. I’m cancelling my direct deposit today, filing a complaint with the BBB and never using them again. If nothing else happens, I’m just hopeful this review will persuade someone else NOT TO USE THIS CARD!!!
4 years ago
Ravi Shetty Hinsdale, IL
This is not a bank, it is a scam. An institution designed to rob customers money. I am surprised how bank regulators allowed this bank to operate.
They sent me a Debit Card which I didn't request on a bank account which I didn't open, and are advising me to activate it. The letter that came with the Debit Card had a bank account number and a routing number. There is no phone number I can call to talk to a live human being at the bank.
Finally when I was able to talk to someone from the Fraud dept of GO Bank with the help of my Identity Theft company, the person from the bank was not willing to give me information regarding my "own" account claiming that the date of birth I provided didn't match the information the Bank has, even though she confirmed that the SS# and other details I provided were correct. When I asked her a question, how the bank opened an account in my name with a wrong date of birth , she didn't have an answer.
I am going to report this bank to the regulatory agencies. Stay far away from this bank. They do't do the due diligence before opening an account and do't take any responsibility when fraud is committed. I am beginning to wonder if the Bank is complicit in the Fraud.
4 years ago
Gregory Toomer ,
I recently purchased a go bank card at Rite Aid in order to have automotive part repaired in Florida. I was Informed that part couldn't be repaired and they would refund my money. That was 3 weeks ago. Go bank is telling me about some investigation about some dispute that doesn't exist. I just want my refund. I was informed today 3 weeks later that I need to write a detailed letter describing the so called dispute and wait 2 more weeks for a decision on the dispute that doesn't exist. I'm a senior citizen who just wants to repair my vehicle. Now I need to write a letter determine which post offices are currently operating and Mail a letter to get MY OWN money back. In over 70 years of living this is one of the most slimy scams I've ever encountered.
4 years ago
Anthony Garland, TX
This is by far the WORST bank I have ever signed on to. PLEASE BE AWARE!!!! When you call the number on the back of the card it routes you to philippines which can only verify your infos. That's it! I've had my card for two weeks and now account has been locked. I sent over my paystubs, copy of my id, verified my social security # but still can't get into my account because at the time I registered my card online I might have hit a wrong digit. THATS IT! COULD HAVE BEEN A HUMAN MISTAKE but with all the other verification done they still won't let me into my account which has now been locked along with my two checks. Now I'm beginning to think they just want my money. My experience calling for support help has been draining me!! This is the worst experience I've ever had!! imagine having to pay a car payment or rent!! I was late on both because of this experience. I WILL SPREAD THE WORD THAT GOBANK IS HORRIBLE AS MUCH AS I CAN. PLEASE INFORM EVERYONE YOU KNOW. SAVE THEM THE TROUBLE
4 years ago
semperfi Janesville, WI
Uber drivers need to be aware that starting 7/20/2020 GoBank will require a deposit of 1,000 dollars a month to be able to qualify for the backup balance so you can overdraft your card to 100 dollars. Also GoBank is not even taking into account that during Covid-19 Uber drivers in rural areas can't make the 80 trips during a 30 day period to use the backup balance. Drivers are better off just sticking to their banks debit cards or direct deposit and closing their GoBank cards. In this time of crisis you would think that the company you work for would allow drivers to skip the 80 trip requirement until the crisis and all of the bans in each state has been lifted. This is just another step in corporate greed on both GoBank's part as well as Uber's. It's just a sad state of affairs that these 2 companies can't work together to allow drivers to utilize the Go card to it's fullest potential.
4 years ago
latrise mosley Evans, GA
This is by far the worst card that I have ever used. A representative from GoBank itself called my phone and stated that they received a red flag in their system showing where someone in Miami was trying to use my card information and did I authorize it. I immediately said No! He then stated that they needed to verify my information so they could put a block on my card so it wouldn't be any future fraudulent activity. He then said once they put a block on my card I would be unable to use it or have access to the remaining funds on my card. I told him that I needed that money and did not need my card blocked. He then said he would send me a one time email with a code where I could access my card to get the funds off I needed. I said, ok. He said he was going to have a new replacement card sent to me the next day by Fedx. Im thinking everything cool. He then said he was going to send me a text message for me to verify the code. I verified the code and then he text me another to verify. While we doing this my phone number was changed on my account and then I was locked out and couldn't even access any information. After looking through my emails for the email he was suppose to send I seen where 5 transactions had been made where money was sent to someone by the name of Leroy S. I had no idea who that was but all I know they had stolen $2300.00 of my money total. I called Gobank back on the same number they called from and told them what happened to dispute it which was on the 3rd of May, it is now the 13th of May and I haven't received one cent of my money back and nothing about what is happening or what is going to take place. All they keep telling me is that it is a process and it could be about 4 weeks before the dispute is settled and a decision is made. It is sad that it can only take minutes for someone to take your money and months to find out if you're going to get it back. Im hurt and just upset because Im a single parent and need my money to take care of my kids. My thing is, if you have sent in all the documents proving who you are and they have seen the transaction, then why in the world would I have to wait so long to get something back that was taken from me!!! WORST CARD EVER !! Asked to speak to a supervisor and no one was available to take my call or did they call back!!
4 years ago
Chris M Duluth, GA
I would like to give GoBank 0 stars because of terrible customer service, getting the runaround, and completely disappearing funds. I used billpay for two bills and transferred them to a recipient, and it told me it would take approximately 7 full days to transfer. It has been well over two weeks with no funds being transferred to the recipient. The money has completely vanished and when I try to file a dispute on the website it says I need to call a number, but when I call the number it says I have the wrong number and need to call the number on the back of the card. When I call the number on the back of the card it does not give me an option to talk to a representative or give me an option for "other" because none of the prompts apply to me! Completely rediculous.
4 years ago
Sara Ayala Garland, TX
Even with proof I believe they do not actually do any investigations on disputed charges. Maybe it costs too much money to look into it, plus to refund you. This is the only bank that has denied me on the charges I disputed. The representative suck, English isn't their first language and they just repeat themselves, get an attitude, make you go in circles, put you on hold, won't get an important email until they hang up "they say". Takes weeks to get a replacement card and they don't have a way of freezing your account and there's no option to through the app. They never want to help you through the phone, they want you to write an email no matter how serious it is. Takes at least 2 days, a lot of times way longer to respond. Even then they dismiss what you emailed about. Its a joke and they are very untrustworthy. Once something bad happens to you and you're vulnerable is when you get to see how scandalous this company really is.
4 years ago
Rickie Fli Campbellsport, WI
I loved go bank for years but today I called to report my card lost gave them all my account info. But could not confirm a phone number I had years ago the guy said can't help you and tried hanging up.
I was so upset at how he had my social number my address my name and birth but didn't have old phone number he was going hang up.
I ask for supervisor he said no, and hung up.
I went on my app and looked for where a phone number could be and I found it.
Why couldn't he have said it was On the website. Instead of just hanging up.
I didn't even no was in there until I looked, hate when someone treats me like I'm a nobody.
4 years ago
Rich Burns Hyattsville, MD
Worse bank I ever used. I’ll start with saying that I have been evicted due to their carelessness. I started using GoBank last year and I never got my original card and had to use the temp card for months. Well since it’s a temp card...it faded, and I called several times for them to give me my stuff and they sent. So by end of last year, I throw out. I filed my 2019 taxes, and despite me updating to a new account, they still deposited my tax refund and stimulus on the GoBank account from last year. Can’t get in contact with customer service, they LIE and say they r busy when really we know there is nobody there working due to the covid. What burns me up is they have shit open that is not essential...such as marijuana dispensaries, but don’t have a customer service rep available At any call center...and it’s the WHOLE green dot network, GoBank is tied with them. I just want to tell them to cancel account and return money to the irs. They never gave us the update your payment portal either...first it was supposed to be on the 15th, where they deposited several millions of ppl money into wrong account. Now it’s 17th...I’m like they done already deposited that money and unfortunately not In my hands. These jobs are needed...they have no contact with customers. Than they said they can’t deliver to P.O. Box when it is NOT a P.O. Box address...and even if it was, why can’t you send? All my other banks had zero problems, even other prepaid cards. Than charge a steep $8.95 a month for no $500 deposits...so I guess I gotta sit and wait until they take the $1200. Worse bank I ever used and I will be with the FDIC and better business bureau to sue them
5 years ago
Ciarog Troy, NY
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!
5 years ago
Marco Cordova North Hills, CA
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?
5 years ago
Leonardo Reynoso Chicago, IL
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.
5 years ago
