@jk2 - your situation sounds most like mine - with the exception that you had already had your GoBank closed. I hadn't had any bad run-ins yet with GD/GB.
How much did you put on your intial temp card? I assume that you were unable to add anything else to it?
As for the others with negative experience's posted so far...yeah it seems I have heard a lot of stories like these (~$3K load shut down), but I hadn't heard much like what has happened to me (and jk2) which is basically shut down on first attempted load after opening card!