GoBank - Mobile Banking Reviews

by Scott XD

this app really let me down. I’m a truck driver and only get home once a month. They FAILED to mail me my new debit card in time and now my current one is expired. I’m having to use cash right now. I’m trying to get home before my cell service goes away from the bill not being able to be paid. And what’s worse? They add insult to injury by not allowing me to link the account to my PayPal account saying there’s “bad instrument,” so I have to have a working card to route any money to or from the stupid account. I had to say my card was lost or stolen for these morons to hopefully send me a new one. I’m stressed and on borrowed time. This has happened twice now. I’ve talked to their “support,” which are useless drones who just keep repeating a script over and over again without reaching over their heads to help me. STAY AWAY. Use a real bank or credit union. Don’t waste your time. They’re TERRIBLE!!! If I could give them negative 0 stars I would. GARBAGE!!!

by Nikko001

Update... over 3 weeks and the “technical department” is still unable to fix my issue of not being able to use GoBank to make check deposits... no one calls back “ever” with any info or possible resolutions.... the only time I hear from anyone is when I call and get the runaround for 20 minutes while I ask for a manager who I’m eventually allowed to speak to which still has no idea or information on how to fix the issue!! This is an “online” bank correct?? How are we to use an online bank when the “app” which is their brick and mortar isn’t working correctly??? Absolutely unbelievable and belligerent!!!

App does not allow me to do a check deposit... Took screenshots of msg and sent it to customer service as requested.... never got a call back... called and was told “the issue has been resolved”, uninstall and reinstall app and it should work”... did that and it does not work!! Was hung up on 2x, the last of which was ”Jonathan” who was utterly incompetent!! Whatever your reason for considering getting this account, don’t do it they can’t / won’t help you once you have an actual issue, it’s not worth the aggression!!!

by Tisriankh

I wish I could give them (minus) -5 stars! 👎🏻👎🏻👎🏻👎🏻👎🏻 This card & the service offered is a living nightmare!! PLEASE do yourself a favor and DON’T get it! They will hold your money hostage & claim that they “can’t verify” you, so they also won’t be issuing you a permanent card — I’ve never had that problem anywhere else!! And the topper is that you have to SPEND whatever money you load onto the card, but ONLY for face to face transactions, despite calling themselves a “debit” card. You cannot spend it online or get your money back at an ATM or ANY other way, for that matter. If accessibility to YOUR OWN CASH is important, you will not get it with this card & they will make all the 💩excuses they can muster up, “apologize for the inconvenience” & essentially not help you. If you like getting screwed by companies who operate in this manner, particularly in these super tough pandemic times, then go right ahead. They honestly couldn’t care less about you. And if you do, don’t say you weren’t warned.

by NotafraidofthetrurhDanConte

This bank is despicable. The factor that Uber is using them for the Uber business debit card is an awful awful decision on Uber’s part.. I have been trying to get my Uber debit card updated for 3 1/2 to 4 months. I have done all the research and figured out what the problem is but no one is willing to fix it when I go to the bank they tell me that I have to get a new card at Walmart called the GO2bank when I get that card and now I have three of them that are worthless because when I go to Uber they tell me they have no idea what I’m talking about and then they say you have to login to the this app app this app will not let me log into their app because they said that program has been terminated when I go back to Uber Uber tells me you got to go back to this app I am missing out on all of my benefits as an Uber driver and I actually have done everything that they’ve asked and like I said it’s been 4 1/2 months they are very very difficult to work with and they do not care plan simple

by CleverbuggerNOT

I am really disappointed that this app App will no longer allow you to make online bill payments nor track them via the mobile app. Customers now have to go to the main website. What’s the point of having a mobile app if you can’t take care of your finances on-the-go?

I also do not like that Customer Service gives incorrect information on how to manage payees thru the main site. I was told I would have to go in and manually add each Payee (again!) even though this bank has paid each of my Bill Payee’s several times now. The Manage Payee only allows for deletion and does not let you edit the Payee information, nor does it allow you to see a list of the last 4 payments made to one certain Payer, a function that the online app used to do. When searching for a particular Payee, it will not find it by Payee name either as all Payees get listed under “ONLINE BILL PMT-(Payee Name), which brings up ALL online payments, not just the one you’re searching for. Very frustrating experience! Please bring back that feature to the GoApp!

by Pcfriend

I received my card within the time specified, but the perks you are supposed to get like cash back on fuel, car maintenance etc. is not going to happen. I have called both Uber and this app and Uber tells the this app rep that I am eligible this app says I’m not yet eligible for the perks? The perks are the only reason I got the card in the first place. But even worse is the customer service by this app which should be a negative 100. They are many online banks that operates as a true bank that works like Ally Bank or Aspiration Bank which I have before I ever Got a this app account. Since I work in Information Technology Security we know that numerous scams are facilitated using the green dot banking system, all you have to do is search google for green dot MoneyPak scams. So it does not surprise me of all the people making claims that money is missing from there accounts. All the people that is having a good experience with Greendot or this app we hope continue to have good experiences. The bottom line is be aware if you use them but don’t expect this to remain a good experience for the long haul. this app and it practices are nothing more than a payday loan type of company capitalizing on the misfortunate of people.

by Lemongrass93

So I’ve been uberkng part time for a year and a half, and I have my real jobs paychecks sent to this account because I can get them on Friday instead of Tuesday, great right? Well that’s where it ends.

Customer service is useless. I called them three times about the same issue, it sounds like they are in an Internet cafe or a loud cafeteria. You can hear the other employees in the back ground. Well I call them because I usually transfer my real job paycheck into my chase account (for bills and such) and leave my Uber money in my go bank account (for going out), but suddenly after a year they get rid of the PayPal option when you send money. I tried sending it to my boyfriend and he even went as far as signing up for the bank to try to get my money so we could pay our rent, but it said my account was frozen. I called them and they said there was nothing they could do and I would have to wait a week to get my hard earned money. So now I have -1027 in my Chase account because they won’t let me have my paycheck. And they may or may not fix it. Do not under any circumstance use this bank. They will steal from you like they have me and many other reviews on this page.

by Mr. Brandon L

Update 2: I still cannot access the account through GoBank . Worst customer service I have experienced yet.

Update: I cannot access the website or use GoBank at all. Not sure how to "contact" you other than giving GoBank its justly deserved 1 star. It's unfortunate that a copy/paste response from you clearly demonstrates your lack of concern for a working product. Will be sure to tell every person I can how bad GoBank is so that others will NEVER have to deal with you and your terrible product. Very disappointed that I even have to leave a review like this for any service!

Initially GoBank worked very well. I was able to check my balance and transaction history quite quickly and easily. Now GoBank simply hangs on startup. GoBank loads up as if I am a new member, and the only button "Get Started" is greyed out and does not work. I have been unable to access my account for over a week now. Extremely frustrating and inconvenient. Also, previously I would get almost instant notification that a purchase had been made, now GoBank sends me a notification up to 24 hours later! Half of my transactions aren't notified through GoBank .

by Shannymdfg

I wouldn’t recommend this bank to any one at all.. I like to transfer all my money to my savings which they call the vault and whatever I need to spend I will transfer back over to my checkings, so sometimes the vault will disappear and you can’t transfer your money, when this first happen I was so upset I was stuck on the road trying to purchase a Uber and I couldn’t transfer my money from my vault to my checking because the vault wasn’t there it just disappeared which was weird I thought the bank took all my money so I called them and they said it was nothing they can do about it I should check later to see if it’s fixed it wasn’t fixed until the next day.. I’m canceling this bank because of that I was stuck outside trying to find a ride for 3 hours what if something happened to me during those 3 hours I had money in my account that I couldn’t use because of this bank I WILL NEVER RECOMMEND THIS BANK it’s stressful wondering everyday if your vault disappeared again with all your money and what your going to do if you can’t use it... and there customers service do not care about you they will tell you anything get you off the phone so if you still want to get this bank just be prepared for ALOT of issues...

by Sum1big

This is a good bank if you’re trying to have a secondary account. As a primary account, it’s very inconvenient. 500$ limit daily is a bit annoying unless you don’t use cash much. Also, if you’re waiting for a new card, they don’t give you alternative ways to access your money. With that being said, there should be expedited card shipping. I appreciate the security but not when the security prevents ME from accessing MY money. I sacrificed 5 years for this country and you won’t let me access my disability. Like, am I supposed to go stand on a corner so I can eat today? I can’t wait to close this account. Customer service is terrible, they make no effort to help solve the problem. I guess I can feel comfortable knowing my money is safe but I can’t put food on the table for my family. Even if I go out and do some Uber, I can’t access any of that money either. Poor preparation on my part, but, that doesn’t take away the fact that this bank is standing in the way of my money. Please, save yourself the headache and choose a bank that works with you on your problems, not against you. They haven’t offered a single solution to the problem. “Just wait for your card sir.” “There’s nothing we can do sir.” This bank doesn’t even deserve one star. Yeah, I’m mad. Wouldn’t you be if you’re bank prevented you from accessing it when you need it the most?

by Nickickk

⚠️ Please read this review clearly as I would never use this bank ever again❗️This bank is dangerous❗️This is a warning❗️I used the mobile deposit feature to deposit a $300 check because this app promise most checks usually clear within the next or 5 business days. I trusted this app, but it has been 10 days!! The checks still have not cleared! I called this app 4 times to try to cancel and they won’t. I keep getting an error when trying to send an in-app message. This is extremely excessive and very frustrating! My local publix would have cleared my checks within minutes! This was absolutely the worse mistake I have ever done. I would NEVER wait 10+ days for a check to clear, this is not 1996! This is 2018!! I’m fed up of this bank! ⚠️ Another terrible incident I was in: I had an unauthorized transaction for $400 in March. I had to dispute through a paper form which I had to mail. It took two entire weeks to get my money back!! I was literally out of $400 for 15 days! I was scared they weren’t going to give my money back. Unbelievable! Please stay away from this bank. The moment my checks clear I am immediately deleting GoBank... 10 days for a check to clear and 2 weeks to get your money back? No thank you. Please avoid this app, unless you want to wait weeks for your money.

by Yagadah

Do not and I mean do not bank with this company. Their customer service is worse than horrible. I attempted to withdraw money from the one of the ATMs they suggest using and the Atm debited my account and did not provide the money. I called for file a dispute and it’s been over one month still no resolution. I provided the receipt from the atm saying the atm could not provide the money at the time and still no resolution. A provisional credit you ask, no, I have not even received one of those. I was instructed that IF the dispute took longer than 10 business days and I mail a letter to their P.O. Box that I could receive a provisional credit. I mailed the letter and during holiday season in a pandemic, they informed me they did not receive my letter within 10 business days. I was not made aware the letter had to be received within 10 business days. During holiday season of a pandemic, they received the letter on the 11 business day. I later found out that the letter could have been emailed which I would have done because who wouldn’t have. I called and called only to be received with long holds and empty promises. Christmas Eve I goto withdraw 300 and a month later during a pandemic, I still don’t have my money. They have no locations or no banks I can goto so instead I can only hope and pray. Do not bank with them please!!

by WoahXohno

So, I have this app Visa Debit card via Uber and I have been using the this app app on my iPhone for the past 6 months or so and it has been working fine. However, as of last week I can no longer use GoBank successfully. GoBank has stopped allowing me to log in during the first attempt. However, it will let me log in on the second attempt. Once I have logged into GoBank after the second or third attempt, it will not show me my account balance, account number, or transactions. However, if I log in on the website everything works fine. I have attempted to delete GoBank and reinstall it, and the issue continues to happen repeatedly. I tried to reach out to customer service and was told they were going to “check compatibility” for my iPhone and wasn’t really provided with any other information. It’s quite upsetting that this is happening because honestly before all this started happening I was actually really liking GoBank and the service.

by Bill Pay Guy

I have had my this app account for over two years now. Absolutely love this bank! One of the best features is the bill pay, however, for the last 3 weeks now, it’s not an option on GoBank . What?? Why?? I had to get on my account on a computer and do all my bill pay! You really need to fix this!!! The convince of bill pay on GoBank was the best thing about this bank! Hopefully you can get it resolved quickly. Other than that, good banking app.
Update: one more thing about the account. You can not use apps like acorn, or many other apps because they don’t recognize this app as a bank. So that’s a bummer. Will definitely keep my account for now and hope that the issue get fixed quickly. Or I’ll move to a different bank as most of my family already have.

by Sdj4ever

I moved to a place that doesn’t have branches of my primary bank so I opened this account as a backup to transfer money. It’s not terrible, my only complaint so far is that depositing cash is a pain. I went to a Walgreens and CVS location that were listed as this app retailers and none of them knew what I was talking about when I tried to deposit cash. I had to go to a Walmart to finally do it. It would be nice if you could skip dealing with clerks that don’t know what you’re talking about and just deposit the cash via the ATM like a normal bank. But this isn’t a normal bank so oh well. Also, it would be nice if GoBank gave you an actual address of the retailers they partner with as opposed to GPS coordinates. I don’t need directions, I just need to know it’s the CVS at 123 Main Street versus 133 Main Street because there are so many within the same vicinity.

by Maintenance HATER

My wife and I use this card all the time. Transferring money to family and each other is a breeze and a real convenience. HOWEVER, the fact that they do “maintenance” on such a frequent cadence is a real inconvenience for us. Due to the fact that we have money stashed that we don’t want to over use while we do our daily spending. But whenever this app is doing “maintenance” we are unable to unstash our money. And that feature of unstashing is down for HOURS!! When we called customer service about this in the past, they give us the generic answer of “there is nothing we can do due to our system performing it’s routine maintenance”. If customer service had some kind of work around while this “maintenance” was going on, such as having the ability to unstash our money for us from the back end, then this wouldn’t make this such a huge deal for us. But because of the ability of unstashing is down during their “maintenance” we’ve found ourselves stuck at grocery stores, restaurants, and other places of business not being able to leave because we can’t pay for our bill. PLEASE FIX THIS AND THIS WOULD BE A FLAWLESS APP!!

by Ksg423

I lost my card and I reported it lost but I just got locked out of my account for changing my address and cell phone number. I received an email to send a picture of my ID to verify who I say I am but they want my card number... how am I supposed to give them my card number when I lost my card? Or do they mean the new card #? I tried calling customer support but I only get a machine which is frustrating!!!! I want to talk to a HUMAN!!! There’s no email support address or anything so I’m just sitting here wondering what the right thing to do is..
Other than this incident i really like using this app. Both my husband and my self use this app I like that we can stash money and transfer money to each other through GoBank hassle free it’s nice.

by Chucknanna

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! this app 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++

by Etaurus9mm

I’ve been using GoBank for three weeks now and have been quite impressed with the options available and how easy they have made it to use. I do wish that they had a separate feature for Uber drivers, One that would allow any and all additional savings that you earn to go into a separate savings section, such as the 5% you save on gas and the additional savings from grocery stores, etc. it would be nice to have all those additional savings to go into a separate account to build just like a regular savings account. Why am I mentioning this here, because unless I missed it that is one feature that they do not have on their app, a suggestion box or any area where you can provide questions or feedback of any kind. Other than that, great app!

by XxOnlineg6Xx

I started using go bank years ago when Uber first introduced it, as a way to get paid without fees for cashing out. I’ve tried several conventional banks, but I felt like I was getting robbed for overdrafting accidentally usually being paid the next day , I’m impressed of how far this bank has come! I love the free backup balance, just in case you overspend , mistakes happen , we’re not perfect but this bank helps with that. I love this bank so much , I’ll never use traditional banking again, this bank almost has no spending limit for the average consumer who is paying bills , no need to call a bank to authorize a normal monthly bill it automatically allows it. Best alternative to banking ever created! I’m a highly satisfied customer!

by Quinnlayla

I’m so sick of this bank! Their system is always crashing and it’s so hard to get a hold of your own money! When you try calling them it’s like a 40-60 minute wait to get on the phone with someone and it seems like I always talk to the same lady!!! Also don’t loose your card!! This bank isn’t supported by Apple Pay so you have no way of using your money. I claimed my card stolen on aug 22 And I’m not getting it till sept 2nd! Other banks only take 2-3 days to get a new replacement. They don’t care about you not having your hands on your own money! The only good thing about this bank is you get early direct deposit but even that is starting to act up and they say it’s supposedly due to my “employer” so I don’t get my money till later. This bank is crap idk how a company like Uber can partner up with this unprofessional; unorganized bootleg bank! You’re better off getting a real branch that is professional and reliable with your money!!!!

by Laurence24

GoBank looks nice, looks like it would all be simple to set up and interact with. However If you experience issues you will not get them resolved, because they don’t know how to resolve them. In trying to set up mobile deposit, I could not get my id to be recognized by GoBank (despite taking clear photos on a dark surface without glare) I deleted app and re-downloaded it a few times, got either could not verify ID or unable to access the feature. So I then Tried to reach out to their support thru GoBank -1st on phone, then on browser-both times while logged in to my account- got Error messages there too! So I reached out via Facebook. Absolutely no support and was told to deposit my check elsewhere. Which to me translates to “we can’t help, we are not going to try to help, we want your business but we can’t offer any redeeming qualities to why you should want to do business with us.” I will indeed take my business elsewhere.