With Go Bank offering a self-service mobile checking account, the functionality of its app is crucial to its success. In this article, find out more about the Go Bank app along with facts and reviews about the account itself and how you can make use of Go Bank if you’re an Uber driver.

GoBank overview

GoBank is a checking account that is accessible via your smartphone. There are no physical branches, but you can do more or less everything with GoBank that you would expect from a traditional bank.

GoBank offers a massive network of more than 42,000 ATMs where you can use your debit card to withdraw cash for free. Payroll and government direct deposits are free, and you can also deposit money into your account at any neighborhood Walmart, although a fee of $4.95 will apply. If you use an ATM outside of GoBank’s ATM network, a $2.50 fee also applies.

Using the smartphone app, you can check your balance quickly, see your transaction history, find nearby free ATMs, deposit checks and transfer money to another GoBank card.

One of the banking features that GoBank offers is a Money Vault where you can set aside some of your money for savings – although you won’t receive any interest for doing so.

Other GoBank fees

There’s no cost to sign up for a GoBank account online or via the app. However, if you purchase a starter kit from one of GoBank’s participating retailers, you’ll need to pay around $2.95, plus a deposit of $20-$500 to open the account.

There is a monthly maintenance fee of $8.95 to use GoBank, however providing you deposit $500 into your account each month via payroll or government direct deposit, this fee is waived.

GoBank doesn’t charge overdraft fees since it doesn’t offer an overdraft at all. There are no other penalty fees to worry about, but if you want to order paper checks, it’ll set you back $5.95 for a pack of 12.

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GoBank reviews

The GoBank app scores 4.4 / 5 on both Google Play and the App Store. The app has received many positive reviews so far with one recent App Store reviewer claiming that GoBank is the best prepaid and mobile bank available.

Over on Google Play, another happy user said that GoBank is probably the best checking account she’d ever had, stating that she gets her paycheck one day before most employees at her company and that she appreciated the daily balance alerts and ability to “stash” cash.

One of the latest reviews reflects on how the GoBank card works just like a regular bank debit card – this reviewer was very impressed with the statements, budget builder, paper checks and alerts to notify her of upcoming expenses.

Some of the more critical reviews refer to technical glitches and issues getting problems resolved with customer service. With that said, Green Dot Corporation, the company that owns GoBank, is quick to respond to both negative and positive reviews in the various app stores. There are a few ways to contact support; via phone, the website and through the app itself. The phone number to call appears on the back of the debit card.

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GoBank document upload

When you open a GoBank account, you’ll be asked for identification details such as your name, date of birth and address, along with your social security number. You may also be asked to upload other identification documents to GoBank such as your driver’s license or another form of ID.

GoBank explains on its website why this information is needed – all financial institutions are expected to collect, verify and record customer information as set out by federal law to help prevent money laundering.

GoBank Uber

Uber has recently launched the Uber Visa Debit Card and checking account, which is powered by GoBank. As of April 24, 2018, this card replaced Uber’s Fuel Card.

The Uber Visa Debit Card allows Uber drivers to earn 3% cash back on gas at Exxon and Mobil stations when you use your pin at the pump. 1.5% cash back is available when using the card at all other gas stations.

Uber drivers can also opt-in to earn 2% cash back at Walmart and 10% cash back on auto part purchases at Advance Auto Parts. These are just a couple of the rewards on offer – there are more!

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Is GoBank right for you?

GoBank more or less delivers on fee-free checking, as long as you sign up online, can deposit at least $500 each month and think you’ll make use of its free ATM network. The GoBank app itself is award-winning according to the GoBank website (although it’s not clear which awards the app has won). However, the majority of the reviews in the app stores are positive, which is a good sign.

Customer service is an important consideration when it comes to banking, so weigh up whether or not you’d be happy seeking phone or online support as opposed to visiting a physical branch and talking to a representative face to face.

*The above information is correct at the time of publishing.

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