Learn to protect your money and your personal information from scam artists who target people every day. We're here to help, so you don't become a victim.
Guard your banking information
Use strong passwords & update them often. Try not to use the same password for multiple accounts.
Never share your card number, PIN number or account password with anyone. GoBank will never ask for this over the phone. Also, memorize your PIN. Make it easy for you to remember but hard for others to guess.
Log out after every session, especially if using a public or shared computer.
Never share a GoBank verification code with anyone. If you did not request the code, someone may be trying to access your account. Always keep verification codes private.
Be suspicious of emails or texts that you don’t expect that ask you to reset your account password or log in to your account. When in doubt, visit GoBank directly to access your account and update account info.
Secure the devices you use to manage your money
Keep your software current. Keep your operating system, web browsers, and your applications up to date to protect against the latest threats. This is especially true for anti-virus and other security software. Most software can update automatically, so set up yours to do so.
Back up your files. Copy your files to an external hard drive or cloud storage. If your computer is attacked by malware, you'll still have access to your files. Ransomware encrypts not only your hard drives, but any attached backup drives as well. Backing up to a reliable cloud provider adds additional protection against ransomware.
Beware of links and attachments. Instead of clicking on a link in an email, type the URL of a trusted site directly into your browser. Don't open attachments in emails unless you know who sent it and what it is. Links and attachments may look legitimate but clicking on them could download malware or send you to a scam site.
Get well known software directly from the source. A common rule-of-thumb is to never download or install something that you specifically didn't go looking for.
Use our tools to protect your money
Lock your card using the app if you aren’t going to use your account for an extended period of time. You can lock and unlock your card with just a tap.
Fraud text alerts can be helpful. We monitor your account and will send a text if we ever notice something suspicious. Message and data charges may apply.
GoBank will only call you if you request a call back. Every call back will have an assigned case number. You can ask for that case number when you receive a call back.
Don't respond to debt requests over the phone. The federal government, the IRS, law enforcement agencies, debt collectors or utilities companies will NEVER ask you for your card number over the phone to make a payment.
Never send money to people you don’t know. Fraudsters may attempt to impersonate others to trick you into sending money to fraudulent accounts. Only send money to people you trust.
Don't let scammers scare or bully you. They be extremely convincing and will play on your fears and sympathies to try to get you to cooperate.
Don't make purchases with your card on websites you don't trust or are unfamiliar. Any website with a secure connection will have "https" in the address field or the padlock icon visible.
Don’t fall for offers that appear too good to be true. These are often sent by email, text or advertised in social media.
We recognize these are very difficult times, but please know that GoBank is here to provide the financial services you depend on every day. As a reminder, you can manage your accounts, check transactions and make payments online or through the app, as we continue to experience extended call wait times.
We know you have many questions, so please find below additional information about your account security, your health, and your account.
Please stay safe and take care of yourself, your friends and your family.
â€”From the GoBank family
Important: Second Government Stimulus Payment Information & More!
4 easy ways GoBank can help you quickly access the second Government stimulus payment and other Government benefits.
Need a replacement card?Â If you have misplaced your card and need to report it lostÂ or stolen, log in toÂ GoBank.com or the mobile app toÂ request a new card1. Make sure the address we have on file is correct.
Expecting a second stimulus payment? If the IRS has your GoBank account information on file and you are eligible for the second stimulus payment, the IRS will automatically deposit it to your GoBank account, no action required. Please check IRS.gov for more information.
Have more questions? See our FAQâ€™s below. Or check IRS.gov.
Your money is safe with us; we are a member of the FDIC. Plus, as an FDIC-insured digital bank without traditional branches or bankerâ€™s hours, you wonâ€™t have to worry about your ability to bank with us.
Watch out for scammers. The Federal Trade Commission Consumer information division has current guidance.
Below are important FAQâ€™s that will be useful regarding the Government stimulus payment. For more info, please visit IRS.gov.
Who is eligible for a second stimulus payment?
Please check IRS.gov for information about your eligibility.
How do I find my AGI?
Your AGI (Adjusted Gross Income) can be found on:
-Line 11 onÂ Form 1040Â and 1040-SR (for tax year 2020)
-Line 8b onÂ Form 1040Â and 1040-SR (for tax year 2019)
Or if you have not filed 2019 taxes yet, your 2018 AGI can be found on:
-Line 7 of Form 1040Â
-Line 35 of Form 1040NR
If I am not required to file a tax return, am I eligible for a stimulus payment?
Yes, if you meet the eligibility requirement. While you wonâ€™t receive an automatic payment now, you can still claim the equivalent Recovery Rebate Credit when you file your 2020 federal income tax return.
Most Social Security retirement and disability beneficiaries, railroad retirees and those receivingÂ veteransâ€™Â benefits do not need take any action to receive a payment. Earlier this year, the IRS worked directly with the relevant federal agencies to obtain the information needed to send out the new payments the same way benefits for this group are normally paid. For eligible people in this group who didnâ€™t receive a payment for any reason, they can file a 2020 tax return. Please visit IRS.gov for more information on eligibility.
I am currently a College student, am I eligible for a stimulus payment?
This depends. If you are an independent on your most recently filed tax returns, you would be eligible for a stimulus check. If someone claimed you as a dependent on their tax returns, you would not be eligible.
Will my stimulus payment be considered taxable income?
No. The stimulus checks will not be taxable income.
Where is my stimulus check? Please visit https://www.irs.gov/coronavirus/economic-impact-payments to find out the status of your stimulus check. You can check the status of both your first and second payments by using the Get My Payment tool, available in English and Spanish only on IRS.gov. The IRS will update the tool with new information as necessary.
Will my stimulus payment arrive earlier than the scheduled delivery date?
GoBank will make your deposit available as soon as possible. Stimulus payments are not eligible for early direct deposit. Please visit irs.gov/coronavirus for more information.
Misplaced your card or need to order a new one?
You can order a new card by logging into your account.
Are government stimulus payments automatic for eligible taxpayers?
Payments are automatic for eligible taxpayers who filed a 2019 tax return, those who receive Social Security retirement, survivor or disability benefits (SSDI), Railroad Retirement benefits as well as Supplemental Security Income (SSI) and Veterans Affairs beneficiaries who didnâ€™t file a tax return. Payments are also automatic for anyone who successfully registered for the first payment online at IRS.gov using the agencyâ€™s Non-Filers tool by November 21, 2020 or who submitted a simplified tax return that has been processed by the IRS. Please visit IRS.gov for more information on eligibility.
How much money am I going to get from the government stimulus? Please visit here for details. GoBank has no information regarding the amount of your payment.
Will my deposit get rejected since I closed my card/account?
The IRS will use the direct deposit information already in their systems to send the payments. If the IRS attempts to make a deposit to a closed account, the deposit will be rejected and returned to the IRS. The IRS will issue you either a paper check or a debit card. The IRS will automatically process any rejected stimulus payment in the form of a physical check, within 14 days, to the address you have on file with the IRS. Please visit IRS.gov for more information about your payment status.
Can I set up direct deposit or deposit a stimulus payment if a different name or social security number is listed on the payment?
Prior to setting up direct deposit or depositing your stimulus payment, please make sure the name and social security number on file with the IRS matches whatâ€™s on your GoBank account exactly. GoBank will not be able to deposit your stimulus payment if we are unable to match recipients.
Where do I find out more about how early direct deposit works for government benefits or payroll?
You can find more info here about our ASAP Direct Depositâ„¢ program. Also here are some helpful FAQâ€™s regarding direct deposit.
Timing for early direct deposit depends on deposit verification and when receive notice from your benefits provider and may vary from pay period to pay period. Unemployment benefits are not eligible for early direct deposit.