GoBank - Mobile Banking

Let me just put it this way: I work at a bank and use this as my primary bank. Why? Because most banks (unethically) generate most of their fee revenue from the customers with the least money. Most popular fee is the overdraft fee. Just because I work at a bank doesn’t mean I support this practice of overdraft fees. We all need a job and I am no different. I am a lowly CSR and I am not in a position to change the bank’s policies. If I could, I would certainly do like GOBANK does and eliminate overdraft fees. The “ASAP DIRECT DEPOSIT” is also a major reason I love GOBANK. Who doesn’t like getting their paycheck early? Plus I think it’s kind of fun checking my app and seeing my early paycheck twice a month. Things I wish would improve are earlier funds availability for depositing a check, especially if you have been an established customer for a while with a good history at GOBANK. The Wal-Mart cashiers are the WORST when it comes to depositing cash. They never know how to do it. I have found that going to Customer Service or the Money Center works much better. The only problem I’ve encountered with this account it some companies consider it a “prepaid account” and I can’t use it for online bill pay on the biller’s website. But I can use GOBANK’s bill pay service to pay them and so far that’s worked out ok. Overall, 9 out of 10... again as a bank employee I highly (and secretively!) recommend this account over “traditional banking”. Don’t let the regular banks eat up your hard earned money in overdraft fees. Remember, regular banks will ALSO charge you an overdraft fee even if they RETURN your item! GOBANK gets it.

I see bad reviews for petty reasons what more do you want for a easy banking experience with no fees or penalties: if you’re looking for all the luxuries of a expensive bank with a checking and SAVINGS well than go irl and go through the hassle! And to complain about the stash and unstash functionality is ridiculous maybe you need to have more self control on your own money handling issues because all the reasons that this bank does is to protect you and you’re money from theft!! Now for my reasons is quite simple I can load free at wal mart or a simple 5 dollar fee at other locations; yes there’s a fee for atm withdrawals but another simple way around that is to get cash back at a register which is amazing since all other cards I tried before run as credit! Gobank gives u a real pin and debit function; also my gf goes out of state once a year and now she has a account so we can send money from each other in the matter of minutes and for free! Now I don’t have to go to all the headaches of western union it’s as easy as sending a text message and bam she has money and I don’t have to worry about her and my son being without any! I can say lots of other Positive reasons but I’ll keep this short as I can cause other than expensive banks and other horrible prepaid “banking” the Choice is easy this a Winner Of A Mobile Banking option A++

I like this bank alot, I use this card nearly everyday lol and I don’t get locked out or never had anyone tell me I’m using it too much or can’t take a certain amount off, NO OVERDRAFTS and this is still considered a checking account, I can do certain things that wouldn’t be accepted with a regular debit card and avoid expensive fee all because I don’t have a debit card, like apply for credit, no extra fees when paying electric bill, pay my rent with a real check instead of a money order, This has helped me out a lot and has been a real convenience to me. I will say that I had a check once and used the feature online to take a pic but the 7 day wait for my check was horrible and I never used that feature again. Lol sorry but I get 2 direct deposits and just swipe, atm fees are way too expensive, I payed like 5 for taking $20 off, please do something about that... also Walmart cashiers sometimes mess up and I wish there was a branch, instead of adding $100 I’m out of $100 because I have to go dispute it and I know there’s very little Go bank can do, I would think green dot would have branches by now since they are so big. But other wise I like this card a lot has helped me get a credit card and take away some fees for having a checking account.