GO2bank

### GO2bank: Mobile Banking App - User Guide **Welcome to GO2bank!** GO2bank™ is the mobile banking app designed for everyday people, offering simple and transparent banking services with no surprise fees and a range of features to help you manage your finances easily. #### Key Features: **1. No Surprise Fees** - Enjoy no hidden fees² and no monthly fees with eligible direct deposits¹. If no direct deposit is made, a $5 monthly fee applies. **2. Early Access to Funds** - Get your paycheck up to 2 days early and government benefits up to 4 days early with direct deposit⁶, helping you access your money faster. **3. Free Nationwide ATM Network** - Withdraw cash for free at a vast network of ATMs⁷ across the country. **4. Built-in Overdraft Protection** - With eligible direct deposits and opt-in, you can get up to $200 in overdraft protection, providing a backup when you need it most³. **5. Credit Building Opportunities** - The GO2bank Secured Visa® Credit Card makes building credit easier with no annual fee⁵ and no credit check required⁴. **6. Account Security** - Keep your account secure with features like the ability to lock/unlock your card with just a tap⁸. You'll also receive fraud alerts if any suspicious activity is detected¹⁰. Plus, your funds are FDIC-insured up to allowable limits⁹. **7. Savings with Competitive Interest Rates** - Earn 4.50% APY on your savings¹¹, making your money work harder for you. **8. Convenient Cash Deposits** - Easily deposit cash at participating retailers nationwide¹². **Getting Started:** - **Download the App:** Install the GO2bank app from the App Store (iOS) or Google Play Store (Android). - **Open an Account:** Follow the easy setup process, which includes online access, mobile number verification, and identity verification. - **Start Banking:** Once registered, you can start using all the features, including direct deposits, managing your finances, and more. **Account Requirements:** - **Direct Deposit:** To enjoy no monthly fees and early payday benefits, ensure you set up direct deposits. - **Overdraft Protection:** Opt-in and receive eligible direct deposits to activate overdraft protection. **Security and Support:** - **Security:** GO2bank offers world-class security with features like real-time fraud alerts and the ability to lock/unlock your card from the app. - **Customer Support:** Access help and support through the app for any issues or questions. #### Notes: 1. **No Monthly Fee:** To waive the monthly fee, make sure to receive a payroll or government benefits direct deposit in the previous monthly statement period. 2. **Fees:** While there are no hidden fees, certain services may have associated costs. Please review the fee schedule in the app or on the website for more details. 3. **Overdraft Protection:** Overdraft protection is available only after eligible direct deposits and opting in. Additional terms and conditions apply. **Download the GO2bank app today and start enjoying the benefits of smarter banking!**

### GO2bank: Mobile Banking App - User Guide **Welcome to GO2bank!** GO2bank™ is your all-in-one mobile banking solution designed to make managing your finances easy, accessible, and secure. Here's a quick guide to help you navigate the app and make the most of its features. #### **Getting Started:** 1. **Download the App:** Install the GO2bank app from the App Store (iOS) or Google Play Store (Android). 2. **Set Up Your Account:** - Open the app and follow the easy steps to create your account. - You’ll need to verify your identity, including your Social Security Number (SSN). - You must verify your mobile number and email address to access all features. 3. **Activate Your Card:** Once you receive your GO2bank card, activate it within the app to start using it for transactions. #### **Key Features and How to Use Them:** **1. Early Direct Deposit:** - **Get Paid Sooner:** Set up direct deposit to receive your paycheck up to 2 days early and government benefits up to 4 days early. - **How to Set It Up:** Provide your employer or benefits provider with your GO2bank routing and account number, available in the app. **2. Manage Your Money:** - **View Balances and Transactions:** Keep track of your account balance and review transaction history in real-time. - **Deposit Checks:** Use your mobile device to deposit checks by taking a photo within the app. - **Transfer Funds:** Easily transfer money between GO2bank accounts or to external bank accounts. **3. Overdraft Protection:** - **Set Up Overdraft Protection:** After setting up direct deposits, you can opt into overdraft protection, which offers coverage up to $200 to avoid declined transactions and overdraft fees. **4. Credit Building:** - **GO2bank Secured Visa® Credit Card:** Apply for the GO2bank Secured Credit Card directly through the app to help build or improve your credit score. No credit check is required, and there are no annual fees. **5. Savings with High-Interest Rates:** - **Earn 4.50% APY:** Automatically earn interest on your savings with a high yield of 4.50% APY on balances up to $5,000. **6. ATM Access and Cash Deposits:** - **Free ATM Withdrawals:** Use the app to find free ATMs near you. You can withdraw cash without fees at participating ATMs. - **Deposit Cash:** Deposit cash at thousands of retail locations nationwide, directly into your GO2bank account. **7. Security and Alerts:** - **Card Lock/Unlock:** Instantly lock your card if it’s lost or stolen, and unlock it when found. - **Fraud Alerts:** Get notified immediately of any suspicious activity to help protect your account. **8. Bill Pay:** - **Pay Bills Easily:** Use the app’s bill pay feature to pay utility bills, credit card bills, and more, directly from your account. **9. Customer Support:** - **24/7 Assistance:** Access customer support directly through the app for any questions or issues. #### **Important Notes:** - **No Hidden Fees:** Enjoy no hidden fees, no overdraft fees, and no minimum balance requirements. A $5 monthly fee applies only if you do not receive a direct deposit within the monthly statement period. - **Account Security:** Your funds are FDIC-insured, and the app uses advanced security features to keep your account safe. - **Terms and Conditions:** Be sure to review the full terms and conditions within the app or at GO2bank.com for complete details on account features, fees, and policies. **Get Started Today!** Download the GO2bank app and experience a new level of convenience and security in mobile banking. Enjoy the freedom to manage your money whenever and wherever you are.