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GoBank

gobank.com
Summary

GoBank provides an online checking account with mobile banking features. It offers early direct deposit, a Visa debit card for purchases, and the ability to send and receive money between GoBank users. The platform also includes budgeting tools, a savings 'Vault', and ATM access.

Features
6/12
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Must Have

3 of 5

Instant P2P Transfers

Prepaid Debit Card (Cash App Card)

Early Direct Deposit

Commission-Free Stock Trading

Bitcoin Trading

Other

3 of 7

Fraud Monitoring & Security

High-Yield Savings

ATM Access & Fee Reimbursement

Round-Up Savings

Pay Over Time (Afterpay)

Instant Discounts & Offers

Customizable Card Designs

Pricing
Freemium
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Standard Account

$8.95 monthly
  • Mobile App
  • Account Alerts
  • Send Money (GoBank to GoBank)
  • Cash and Deposit Checks (via Ingo Money App, fees may apply for instant funding)
  • Write Checks (online checkbook)
  • Direct Deposit (early access up to 2 days for payroll, 4 days for government benefits)
  • Deposit Cash (at participating retailers, fee up to $4.95 may apply)
  • Mobile check deposit (via Ingo Money App, free for 10-day funding)
  • Pay Bills
  • Money Vault (savings tool)
  • Fortune Teller (budgeting tool)
  • Budgeting tools
  • ATM Access (4 free withdrawals per month at in-network ATMs)
  • Monthly fee of $8.95 applies unless waived
  • ATM withdrawals beyond 4 per month incur $3.00 fee
  • Out-of-network ATM withdrawals incur $3.00 fee + ATM owner fees
  • Balance inquiries at out-of-network ATMs incur $0.50 fee
  • Cash deposits at retailers may incur up to $4.95 fee
  • Instant mobile check cashing via Ingo Money App incurs fees
  • Personalized debit card required for some features
  • Unemployment benefits not eligible for early direct deposit
Rationale

GoBank offers several features that align with the Cash App concept. It provides a mobile checking account with a Visa debit card, supports early direct deposit, and allows users to send and receive money. While it doesn't explicitly mention commission-free stock or bitcoin trading, it does offer budgeting tools and a 'Money Vault' for savings, which aligns with the broader personal finance aspect. The website also highlights fraud tips and security, and ATM access with potential fee waivers. The P2P transfer is limited to GoBank users, which is a slight deviation from the broader P2P of Cash App, but still a core P2P function.

Links
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