GO2bank is a mobile banking app and debit card that offers a wide range of features to help users strengthen their financial management and credit. When you received payroll or government benefits during the previous monthly statement period, there are no monthly fees; otherwise, it costs $5 each month. With opt-in and eligible direct deposits, GO2bank offers overdraft protection up to $200, and customers can receive their pay up to two days earlier.

This provides members with a bank account under Green Dot Corporation and is FDIC-insured. The app offers the ability to lock and unlock your card with a tap of the app, and users can receive fraud alerts when something suspicious is detected.