FAQ

GoDo is a financial wellness benefit offered through your employer to provide early access to your earned wages. Enjoy the flexibility of taking a paycheck advance without fees, interest, or tips. 

GoDo will never charge you to advance your funds. We are proud to provide no-fee advances, no accrued interest, no monthly account fees, no overdraft fees, and no cost to your employer.

• FDIC insured up to $250,000 **
• GoDo is compliant with US privacy and data security laws

No. Purchases made with your GoDo card account are only viewable by you via the GoDo app and the GoDo Support team.

GoDo is available through your employer's affiliate link and can be downloaded on the Apple Store or Google Play Store.

All applications are reviewed by our banking partner's Verification Team and require some customers to submit documents before approval. Once the additional documents are uploaded, you will receive an in-app decision within 3 business days. Verifications are not performed on the weekends or holidays. 

Verifications are performed by an independent team that reviews credentials following governmental regulations. Please note, we cannot speak to whether they will or will not accept the document provided.

If you do not have the document they are requesting, we suggest sending one that is as close to what they are requesting as you can, and include a note detailing the reason you cannot submit the original document. Please be sure the address you register with can be verified by a physical document.

You can update your profile directly in the GoDo app by navigating to My Account. The following fields can be updated:

• Physical Address

• Phone Number

• Email Address

To close your account:

• All outstanding advances must be repaid
• Your account balance must be zero ($0)
• There cannot be any pending transactions

Once you have confirmed the above, please reach out to us through the app and we will assist you with closing the account.

If you're unable to find your employer listed, we recommend searching for your employer's payroll provider (ADP, Gusto, Paycor, etc) and logging in with your payroll credentials. 

Similar to other bank accounts, after a period of time, the system will log you out and your connection needs to be re-authenticated. This is for security purposes to ensure you are the only person logging in to your account or in the event of a lost or stolen phone, no one is able to access/transfer your funds. 

For ADP accounts specifically: The ADP system is forcing account refreshes every 24 hours. Unfortunately, this is not something we have control over. We understand this may be inconvenient, but ADP is requiring re-authentication for security purposes.

To re-authenticate, log into the GoDo app and tap on Get My Pay. At the bottom of the page, you will see My Wages and a list of your payroll connections. Tap on 'Reconnect to Manage' and then reconnect.

If you still experience issues after attempting to re-authenticate, please reach out to us in the app.

To make changes to your payroll:

From the app home screen > Get My Pay > Add Employer 

From here, follow the instructions to add a new employer. For employers already connected, tap the name found at the bottom of the Get My Pay screen to make changes.

The direct deposit allocation to your account is the method by which the no-fee advance is repaid, and therefore, a necessary part of allowing GoDo to offer a no-fee advance. 

Other companies offering advanced access to earned wages often charge fees on advances or "tips."  GoDo does neither, and that is why we are different.

Your direct deposit will be posted to your GoDo account on the date on the check. Please refer to your employer's pay schedule to determine your pay out date.

GoDo does not offer early direct deposit at the moment, but it is something we are looking to add in the future.

Direct deposit switching is required in order to use GoDo services as that is the method by which the no-fee advance is repaid. Those settings are configured by your employer and would need to be changed by them in order to use our services.

We appreciate you checking us out and, hopefully, we can service you in the future.

To make changes to your direct deposit, please see below:

From the app home screen > Get My Pay > Update Deposit.

From here, follow the instructions to update your direct deposit settings.

At this time, GoDo does not offer early direct deposit, but it is something we are looking to add in the future.

GoDo's Earned Wage Access (EWA) feature allows you to get an advance on pay you’ve already earned. To take full advantage of EWA, ensure you’ve linked to your payroll/employer in the app and allocated at least a portion of your direct deposit to your GoDo account.

When you're ready to take an advance, tap on Get My Pay and follow the instructions to complete the action. Once you've successfully accessed your funds, the amount will be reflected on your GoDo account balance.

You may transfer funds by initiating a “push” or “pull” from your external bank account. Note: Some banks may not support this

Push/pull transactions from an external account must be initiated from the external account. For example, if you want to move funds from GoDo to "ABC Bank", you must go to "ABC Bank’s" app or web portal and provide them with your GoDo routing and account numbers, instructing your account to “pull” the funds from your GoDo account. You can do the same for “pushing” funds as well.

You can find your GoDo routing and account numbers in the app. From the home screen:

Go to the Main Menu (three vertical bars in the upper right-hand corner) > My Account

Advances are repaid automatically every payday via the direct deposit allocation you set up. 

We use your payroll system to determine available wages. Once your employer's system is updated, our system will sync with it, and the necessary calculations should be performed at that time.

You can set your PIN through the GoDo app by tapping the 3 bars in the upper righthand corner and then tapping on My Card. Please keep it secure and do not share it!

Similarly, you can activate your card from this same screen by tapping on Activate Card and following the prompts.

All transactions, inclusive of spending, payments, and advances, can be found by tapping on Your Money in the GoDo app.

If you see any unknown transactions, contact us through the app and we can help to file a dispute. 

Please provide the following information for each transaction you would like to dispute:

• Date of transaction

• Amount of transaction

• Merchant name

• How was transaction made, if known (e.g. using card at point of sale, online, etc.)

• Reason for dispute (e.g. I do not recognize the charge, “Merchandise was never received, etc.). 

• Is this a merchant you have previously done business with

One we receive this information, we will submit the dispute to our bank partner and they will initiate an investigation and provide you with a status update within 10 business days.