Get your refund fast

Get your tax refund up to 5 days early by opening a GO2bank® account

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  • Get your tax refund up to 5 days early 
  • Grow your money in a high-yield savings vault 
  • Withdraw cash for free at thousands of in-network ATMs 
  • Use your GO2bank® debit card everywhere Visa® debit is accepted in the U.S.
  • Pay your bills with the GO2bank® mobile app
  • Pay no monthly fee with eligible direct deposits. Otherwise, just $5 per month 
Deposit account agreement

How to get your refund early

  1. File your taxes with FreeTaxUSA
  2. Select "Direct deposit to a new GO2bank® account"
  3. Receive and activate your GO2bank® debit card
  4. Your tax refund will be deposited directly to your GO2bank® account up to 5 days early
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Frequently asked questions

GO2bank® is a bank account that can receive IRS or state tax refunds. If your application is approved, you'll get a Visa debit card to use anywhere Visa is accepted, and you can withdraw cash, add money, pay bills, and set up direct deposit. If you open a new GO2bank® account and choose direct deposit, GO2bank® may post your refund as soon as it gets IRS payment instructions — often up to 5 days earlier than the IRS's official payment date.

If your refund hasn't been loaded to your card, it could be because your return hasn't been filed, the IRS hasn't released the refund, or the IRS reduced the refund to pay another debt. A good next step is to check your refund status on the IRS website to see whether it's still being processed or if the amount has changed.

If you choose to pay our fee with your federal or state refund, you set up a temporary bank account with our partner, SBTPG. It is normal to see the bank account information of that temporary bank account on your return with this method of payment. In this case, your refund is sent through SBTPG first, and any remaining funds are then sent to your GO2bank® card.

If you did not choose to pay our fee with your refund, then the account number shown on Form 1040 should be the one linked to your GO2bank® card.

If you're not sure which option you selected, you can confirm your refund method and bank account information by logging into your account and selecting Final Steps > Check Status / Print Tax Return.

Call (855) 459-1334, listen carefully to the automated menu, and, when prompted, enter your card number. If you do not have your GO2bank® card, stay on the line and enter your Social Security number instead.

If your card was sent to the wrong address or was thrown away by mistake, contact GO2bank® Customer Support at (855) 459-1334.

Your application may be declined for a few reasons, like if the name or Social Security number does not match, the address is invalid, or GO2bank® flags the account for another reason. If you cannot tell why it was declined, it may be best to choose a different refund method so you can finish filing without delays.

Yes! If you know the bank account and routing number, you can choose to receive your refund through direct deposit and enter the routing and account numbers for your GO2bank® account.

Does FreeTaxUSA offer refund advance?

No. FreeTaxUSA does not offer refund advance loans. Instead, you can choose the GO2bank® Visa® debit card to receive your IRS refund. It's a convenient option if you don't have a bank account or simply prefer not to use it for your refund, and it avoids the fees and repayment risks that can come with refund advance loans.

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Terms and conditions

GO2bank is available to U.S. residents who are over 18 years old (or 19 in certain states). Eligibility requirements and restrictions apply. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account.

  1. Early tax refund deposit applies to federal tax returns filed directly with the Internal Revenue Service (IRS) and depends on IRS timing, payment instructions and bank fraud prevention measures. The name and Social Security number on file with the IRS must match your GO2bank account to prevent fraud restrictions on the account.
  2. Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on primary deposit account may reduce earnings on your savings account. Annual Percentage Yield (APY) may change before or after you open an account.
  3. See app for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.
  4. Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise, $5.00 per month.

See Deposit Account Agreement for all possible fees.

GO2bank cards are issued by Green Dot® Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Green Dot® Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot® Bank. Deposits under any of these trade names are deposits with Green Dot® Bank and are aggregated for deposit insurance coverage up to the allowable limits. ©2026 GO2bank. GO2bank is a trademark of Green Dot Corporation. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739.

The GO2bank Visa Debit Card is delivered by Green Dot® Bank using the United States Postal Service. The exact timing of delivery depends on those parties and cannot be controlled by FreeTaxUSA.

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