GO2bank

This bank is not to recommend at all. I unfortunately still have an account with them and they are collecting monthly fees, because I was not able to close the account. Only option I had was to "spend" the rest of the balance (which was $0.45)" with their card and then the account would be closed. Funny. I decided to close the account with them when they started to charge fees for network loads may it be from CashApp or other legit providers like Square. So they still try to charge me a $5 monthly maintenance fee. I filed a complaint against them with the Federal Reserve. They just became like most other "online only" banks. Greedy, greedy, greedy.

If I could give 0 I would. I've had this "Bank" for years. Just took a trip from Idaho to Texas. It wasn't until I got here that they decided there was suspicious activity on my account and locked it. I cannot access my money that I desperately need to live on while I apartment hunt. Called multiple times to tell them all activities were me but they don't care. My account is "under review" and there is nothing they can do. This has to be illegal right?!

I purchased 3 cards today. Each have $500 on them. I tried to use one of the cards on cashapp. The transaction I made of $250 was denied. Went to chat on Go2Bank, and was disconnected 3 times. Called and was told it would be 2 days to do an investigation on why I can't use my card. Then tried the remaining 2 cards for the same transaction, again denied. Was told by customer support I could not speak to a manager. Needed the money by 6pm today so I didn't lose my house. Worst experience ever! AVOID AT ALL COSTS!

New to the app just a few weeks, They brag about no fee Over Draft Protection “ODP”. Dont bite as i did. This week my main bank Vystar Credit Union, my debit card is damaged and non usable at ATMs. Since GO2bank issues an ATM debit card I had an idea to just transfer from vystar money to Go2 and get what i need using Go2 debit card. What a hassle! If I try to do ACH deposit(ie-route number and checking acct number)to Go2Bank i missed the conviently tiny print where it would take 3 days to process. Bam three ODP charges of 15.00 a piece as I made three small convenience store purchases. Ok my bad i decided not to inquire on this…I should have read all details. Got me. That was yesterday. So i decided to use my broken debit card numbers and 3 digit security code set these up pently of times..find print says it will post same say i tried a first post of five bucks…cool took about 20 mins. Read fine print about ODP where they cover the charges as long as I transfer money for my bank to Go2. Evrything running smooth and i buy lunch at fast food place, 11 bucks. I transfers over enough to cover the rest of the 45.00 charges for ODP(15.00) and cover lunch. Guess what the money didnt post right away. Took over 24 hours and bam hit with another 15.00 ODP charge. Busy day next day no time to F with this reps from I think from their dialect possible Bangladish origin(retired Military benn all over the world). I did a chat then phoned in to customer relations. Here bottom line on chat and/or phone they are obvious trained never to refund a dime. When request the policy and how do they determine to refund anyone, I am told by both reps the policy is secret and not allowed to tell anything about it to clients. THINGS THAT MAKE YOU SAY HMMMMMM. So i wanted more proof of possible fraud, i did a few more transactions, brought acct back to above 0.00 inf fact to over 300.00. I needed some big item purchase and my debit card still not available as my bank honestly tells me it will take 4-5 business days on an expedited order using FedEx.. and 7-10 days using regular mail. I chose the former. Made my big ticket HD purchases. Bringing Go2 bank balance low. Plenty of money in Vystar. Used Go2 card around 840 buying team 5 Starbuck, prior to purchase around
730 i transfer with debit acct rasing ending bal for Go2 bank at 25 bucks in the black. Covering the starbucks mind you. Lunch time comes down to approximately 5 bucks available at Go2. Lunch is about 20.00. So clearly i will be in the whole -15.00. Now their algorithm kicks in. Down threshold of 0.00 to 15.00 not worried my credit union accts are fat checking and savings. Guess what. I deposit 50.00 to ensure well above the -15.00 ODP for lunch and the 15.00 for ODP fees. Sure enough the 20-30 min wait if above ODP money hits Go2 bank in 15 mins that morning 300 bucks, at lunch time when i went 30 bucks in the whole my 50.00 still hasnt been posted 6 hours later. Next morning still sitting -30 in red at Go2bank. Has not posted the 50.00 and its 11:30am. Close to ODP fees being aplied. BAM. 12:19 fees hit and I am notified of my acct being overdrafted and 15.00 fee applied to acct and now owe 45.77 chatting with representatives explaining the issue with untimely transfer and holding them over 24 hours The answer in unison both phone and chat states their policy is the transfer with debit cards can take well over 24 hours and I should be more careful and the ODP is valid. I asked to be emailed the policy as I couldn’t find their info anywhere included Terms of Service. Asked to be transferred to a manager, get this she can’t transfer me until i answer some questions. Very first question is what is my SSN. I explained i will not give out that information over phone. Next question what is my phone number Again that’s personal info you have that info listed in my acct as i was looking at that very moment. So i said why not send me a code like all other banks do by sms to verify my information. Again she sticks with our policy states we must get this personal info prior to speaking with a manager. Next question what is my birthdate. I stick to ny guns and refuse to answer any type of personal question. Her “sorry you can not speak to the manager without proviy answers to these questions. Im telling her noway i will answer any personal questions. I ask her namea few time. Finally gives the name of Henrie. Asked for last name twice her reply finally was sorry we can’t give out personal information…actually told me that LOL. I tell her i am only asking your last name and you are asking me critical info that can and does ruin lives by fraudulent activities. I already think your company may be committing several fraudulent and possibly federal felonies which I will have attorneys look into. At that point was hanged up on. Hope a few read this story and decide not to use Go2Bank App. Done some research and there are many legitimate apps like Dave that I am using now to replace those idiots. Lets stop these frauds and bullies run them put out business!!! Help me push the complaints in! Love yall what ever your decision is sorry for grammar errors lol

Kenny

This is a scam! Do not purchase a GO2 Bank Debit card. If you don't want to give your SS#, they will shut down you card and take you monthly fee. I just paid $23.95, what do I get in return, I get to spend $15! This is the most ridiculous business I have dealt with in years. Three attempts with customer service was a waste of time. DO NOT USE GO2 bank for Visa Debit Cards!!

Deserves -0000- STAY VERY FAR AWAY FROM THIS INSTITUTION UNLESS YOU WANT TO DEAL WITH AN ABSOLUTE HEADACHE. CUSTOMER SERVICE IS SEVERLY LACKING. Their customer service representatives lack basic knowledge of the product they're paid to service. Also, there's a non existent sense of urgency which is alarming because this is a Financial Institution dealing with people's livelihoods. When I escalated the issue this morning, a manager stated she will have someone call me back in 30mns vs her taking ownership of the call then they eventually hung up on me. I am soooo upset beyond words because, if the 1st agent I had an interaction with when I opened the account a few days ago had listened to me & took the time to understand my issue from the beginning, I would not have wasted any time opening up this account in the first place. I have spoken with another 3+ agents since and non of them also even mentioned a very vital fact that I kept repeating to them, that I was opening the account to get my direct deposit to pay my bills ASAP. Now the damage done is far reaching because my bills will now be late and I will end up paying stupid taxes. I AM SO LIVID!!

This Bank sucks unprofessional they don't know how to treat customers you can't get through to the corporate office to report a problem with this bank. They lock your bank account and then you still waiting a week later because they gave you the wrong email address. Their representatives are never on the same page they don't know nothing you got to keep repeating yourself because obviously this bank is unprofessional. This Bank sucks is pitiful whoever created this Bank to me they're scammers I talk to the representative Emma she don't know what she talking about I recommend nobody deal with this Bank. They get a zero star from me

In light of having this credit card in past I think those wants to establish good credit must apply for its. Bhojani of Texas State

I opened this initially as a secured card, but I then to an unsecured card, then I closed it eventually. It was hard to use. But they were fine.

This is the WORST bank I've EVER dealt with. You cannot speak to a human. I only did once and got cut off. Then nothing. I was shafted out of money because of double charged and fraud. DO NOT USE THIS BANK!!!