Many thanks to GoBank for sponsoring this post.
There are so many wonderful things about my job as a freelance writer. Not only do I get to do what I love every single day, but my work also takes me on a lot of different travel adventures. Over the past year, I’ve traveled to about a dozen cities all over the country, staying in great hotels and feasting on local cuisine. Oh yeah, I definitely have the best job ever!
The only challenge with my career of choice (besides having to remember which time zone I’m in!) is that sometimes my money gets a little funny. Even if my travel is being covered by a client, I often have to front the cost and wait to be reimbursed. Having to pay a credit card bill before I get a reimbursement check from a client is brutal, but that’s usually how things go. My sweet husband is very understanding, but I hate knowing that my work is causing our family any sort of financial stress.
I think I may have found a solution, though! My last trip was just a couple of weeks ago to Scottsdale, Arizona to attend the Mom 2.0 Summit. The conference was held at The Phoenician, a gorgeous resort surrounded by a lush golf course and beautiful rolling hills in the desert. Instead of using my regular bank credit or debit card to take care of expenses during my stay, I tried something different. I tried GoBank. GoBank is a mobile checking account with no ongoing minimum balance requirements. It’s basically an account for people who are tired of dealing with big banks, who have been turned down for other checking accounts, or who, like me, are looking for an easier way to manage their money.
GoBank is really simple to use. If you need a debit card right away, you can go to Walmart to pick up a GoBank starter kit for $2.95 and activate it with a deposit as low as $20.00. You don’t have to go into a store, though. You can just go to GoBank.com or download the GoBank app to sign up. You’ll wait a couple of weeks to get your personalized debit card in the mail, but at least you won’t have to leave the house! I do need to let you know that there is a monthly membership fee of $8.95, but if you get a direct deposit of $500 or more in the month, the fee is waived.
I didn’t have my personalized debit card before I left for my trip to Scottsdale, but I did have my temporary debit card that came with the starter kit at Walmart. I was still concerned that the temporary card wouldn’t be accepted without it. I paid for my airport shuttle and several meals with my card. I even used my card at one of GoBank’s 42,000 free ATMs to get cash! The best part about it was knowing that the money I was using was earmarked specifically for my trip and it wasn’t taking away from our household account.
A GoBank account and debit card is more than just an easier way to track money while you’re traveling. I can see how it can be a really useful financial solution for a household. You can pay bills online, deposit checks via the mobile app (!!!), and receive direct deposits straight into your account. This isn’t a prepaid card. GoBank is a real checking account, just minus the overdraft fees!
I’m headed back out of town next week, and before I go I’m going to stop at Walmart and deposit more cash into my account. It’s free to add cash (not available in WY or VT), and it’s worth it to make sure I stay within my budget as I travel. Also, knowing that I’m not paying interest on credit cards when I’m traveling makes my dream job even more dreamy!
Other important things to know:
- You can view GoBank’s simple fees at GoBank.com/NoWorries.
- For ATM withdrawals made outside of the GoBank ATM network, a $2.50 fee will apply. Plus any fee the ATM owner may assess, so they encourage you to use their free ones!
- GoBank is only for use in the U.S.
- They’ll need to successfully verify your ID before you can use all of GoBank’s award-winning features.