While GoBank meets all my regular banking needs, I can’t quite convince myself to use it as my primary bank. The thought of managing all my money on my phone, without any physical locations to fall back on, doesn’t put me at ease. I’m willing to admit that’s an irrational fear, as GoBank is FDIC-insured, and I hate going to an actual bank anyway.
One interesting feature GoBank has is the ability to send people money over Facebook or email. Customers with an existing GoBank account can just complete the transfer, while non-members can accept the money using PayPal.