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### 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!**

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