Insurance - United States

FDIC deposit insurance gives bank customers protection if an FDIC-insured depository institution fails. The funds in your USD Cash Earn Account(United States) are FDIC insured up to $5,000,000 through our banking partner - Green Dot Bank, Member FDIC.

If you have an account directly with our partner - Green Dot Bank, Member FDIC. The funds in your USD Cash Earn Account (United States) are still insured up to $5,000,000.

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.

Your USD Cash Earn Account (United States) includes a deposit sweep program which effectively increases FDIC insurance coverage from $250,000 to $5,000,000. Green Dot Bank automatically sweeps up to $5,000,000 in your Cash Earn account at the end of each business day to 22 insured accounts at FDIC-insured banks to obtain the maximum, designated FDIC insurance coverage of $5,000,000 subject to any excess funds that a customer holds at any of the partner banks. You are responsible for monitoring their total assets at each financial institution.

Any balances above $5,000,000 in the Cash Earn Account will remain with Green Dot Bank and are subject to the $250,000 FDIC limit, which will cover any other funds a customer may have with Green Dot Bank (including funds in the USD Cash Account not earmarked for the Cash Earn sub account).

View the full list of participating banks as of Jan 30 2026. Green Dot Bank automatically sweeps for all balances, it'll be spread across the following banks: