Last edit by: ChrisFlyer66
Moderator note: A new thread for 2016 is here: http://www.flyertalk.com/forum/manufactured-spending/1738030-gobank-greendot-online-banking-debit-card-2016-a.html
Do NOT let Rite-Aid scan the GoBank barcode. You will be charged, but your funds won't load. It is a PIA to get your funds back.
Want to stay active? Be sure to only load when your balance is at or close to 0. Continuing to load when you have funds in there seems to be a no no. Swipes are recommended, but there are folks active that don't swipe.
Lots of $200 loads can get you shutdown. GoBank does not like paying load fees on low denomination loads. Two $500 loads is better than five $200 loads.
Shut down reports:
Please list your load/spend/billpay details (in a single statement/lifetime?) e.g.,
type of load, number of loads, denomination of your gc or mp, amount of your billpay, any actual swipe/dd?
lad2 (closed) - May: $2.7K 9 loads 5DDs - June: $5.5K 5 loads 6DDs - July: $4.6K 6 loads 1DD - August $9.9K 19 loads 1DD - no swipes
TheDapperDon (open) June $4.5k 5 loads. All GCs. 1 swipe. Everything else BP to CC. 1500 most loaded in one day .July - $3489 5 loads. All GCs. Several swipes. No load until below $20 or so remaining.
raghu455 (closed) May $2k 4 loads, june $7k all GCs. All BP to CC.
drdrew450 (closed) 17K in loads, unloaded all through bill pay, less than a month
cuebert (closed) $4.5k in 9 MP loads, BP out. That was fast.
sgideons (closed) May $7k 17 loads, june $17k 27 loads, july $5k 6 loads, september $3.5k 4 loads. Unloaded 90% ACH pull, 5% PP to self, 5% bill pay tool. Closed on September statement date.
MDWCommuter (closed): June only, $8k in 60 loads, all GC. $2k is most loaded in one day. Wrote 2 BP to CC checks, no ATM, no MP loads, no ACH pull, no DD, always carried at least a $1k balance
ArtemK (closed): 1st month - 5/21 - 6/21 - loaded $6,700, 6/21 - 6/30 - $4K loaded, all via GCs. Unloaded all via BP to Citi and Chase. No ATM, no MP loads, no ACH pull, no DD, no swipes.
rdover1 (Closed): 1st month - $23.6k loaded (WM GC), ~$1k spend, rest bill pay (mostly to CC)
rdover1 2nd card (closed): Closed mid cycle, survived 1st month. No bill pay, only MO. Never loaded over ~$4k. Total activity ~$12k.
T3pleShot (closed): 7k in loads at WMT, 10 loads, mostly $500, some $200, $4k billpay to CC, 5 swipes totaling about $25.
ctbarron (open): Month1 - $3.8k loaded, all bill pay out, 1 swipe; Month2 - $3.7k loaded, all bill pay out, few swipes and an ATM WD; Month3 - $4.2k loaded, all bill pay out, few swipes and an ATM WD. Zero membership fee, usually a balance of under $150.
americanindian (closed)- closed after 3 months today. had about 7.5k deposit each month, with lots of small value(<$20) purchases each month. liquidated mostly using bill pay.
rodsren (closed)- the dapperdon warned me. I was closed today after less than 5,500 or loaaing in less than 3 weeks (was going to try to keep it to 7,500 - 10,000 but didn't luck out.)
binnycode (closed, re-opened) - 7x $200 loads + 1x $700 load + 3x $500 over 2 days got me shut down. Called CSR and they re-opened my account, letting me know that "direct deposit would reduce my number of trips to walmart" lol!
Do NOT let Rite-Aid scan the GoBank barcode. You will be charged, but your funds won't load. It is a PIA to get your funds back.
Want to stay active? Be sure to only load when your balance is at or close to 0. Continuing to load when you have funds in there seems to be a no no. Swipes are recommended, but there are folks active that don't swipe.
Lots of $200 loads can get you shutdown. GoBank does not like paying load fees on low denomination loads. Two $500 loads is better than five $200 loads.
Shut down reports:
Please list your load/spend/billpay details (in a single statement/lifetime?) e.g.,
type of load, number of loads, denomination of your gc or mp, amount of your billpay, any actual swipe/dd?
lad2 (closed) - May: $2.7K 9 loads 5DDs - June: $5.5K 5 loads 6DDs - July: $4.6K 6 loads 1DD - August $9.9K 19 loads 1DD - no swipes
TheDapperDon (open) June $4.5k 5 loads. All GCs. 1 swipe. Everything else BP to CC. 1500 most loaded in one day .July - $3489 5 loads. All GCs. Several swipes. No load until below $20 or so remaining.
raghu455 (closed) May $2k 4 loads, june $7k all GCs. All BP to CC.
drdrew450 (closed) 17K in loads, unloaded all through bill pay, less than a month
cuebert (closed) $4.5k in 9 MP loads, BP out. That was fast.
sgideons (closed) May $7k 17 loads, june $17k 27 loads, july $5k 6 loads, september $3.5k 4 loads. Unloaded 90% ACH pull, 5% PP to self, 5% bill pay tool. Closed on September statement date.
MDWCommuter (closed): June only, $8k in 60 loads, all GC. $2k is most loaded in one day. Wrote 2 BP to CC checks, no ATM, no MP loads, no ACH pull, no DD, always carried at least a $1k balance
ArtemK (closed): 1st month - 5/21 - 6/21 - loaded $6,700, 6/21 - 6/30 - $4K loaded, all via GCs. Unloaded all via BP to Citi and Chase. No ATM, no MP loads, no ACH pull, no DD, no swipes.
rdover1 (Closed): 1st month - $23.6k loaded (WM GC), ~$1k spend, rest bill pay (mostly to CC)
rdover1 2nd card (closed): Closed mid cycle, survived 1st month. No bill pay, only MO. Never loaded over ~$4k. Total activity ~$12k.
T3pleShot (closed): 7k in loads at WMT, 10 loads, mostly $500, some $200, $4k billpay to CC, 5 swipes totaling about $25.
ctbarron (open): Month1 - $3.8k loaded, all bill pay out, 1 swipe; Month2 - $3.7k loaded, all bill pay out, few swipes and an ATM WD; Month3 - $4.2k loaded, all bill pay out, few swipes and an ATM WD. Zero membership fee, usually a balance of under $150.
americanindian (closed)- closed after 3 months today. had about 7.5k deposit each month, with lots of small value(<$20) purchases each month. liquidated mostly using bill pay.
rodsren (closed)- the dapperdon warned me. I was closed today after less than 5,500 or loaaing in less than 3 weeks (was going to try to keep it to 7,500 - 10,000 but didn't luck out.)
binnycode (closed, re-opened) - 7x $200 loads + 1x $700 load + 3x $500 over 2 days got me shut down. Called CSR and they re-opened my account, letting me know that "direct deposit would reduce my number of trips to walmart" lol!
Gobank by Greendot - online banking with debit card
#1591
Join Date: May 2013
Posts: 939
They got me.
I was slowly but surely increasing my deposit amounts.
They got me with one $4k billpay this month and a dozen WM loads.
I was slowly but surely increasing my deposit amounts.
They got me with one $4k billpay this month and a dozen WM loads.
#1592
Join Date: Sep 2013
Posts: 829
It seems quite clear to me they don't want WM loads.
FTers/MSers are not their target audience.
I wonder why they are so a$$-retentive by closing the accounts.
Only hurts their statistics.
FTers/MSers are not their target audience.
I wonder why they are so a$$-retentive by closing the accounts.
Only hurts their statistics.
#1594
Join Date: Dec 2012
Posts: 498
Is go bank like the greendot prepaids?
You can load with moneypaks online and other things and can just send payment for free to your cc's or other?
That is how I am using the greendot prepaid card I have and I am avoiding fees because I am doing enough. It is a nice alternative to BB and I just have to drive 4 miles instead of 15. greendot prepaids can have a ton of fees but not if you load enough.
You can load with moneypaks online and other things and can just send payment for free to your cc's or other?
That is how I am using the greendot prepaid card I have and I am avoiding fees because I am doing enough. It is a nice alternative to BB and I just have to drive 4 miles instead of 15. greendot prepaids can have a ton of fees but not if you load enough.
#1595
Join Date: Sep 2013
Posts: 829
Is go bank like the greendot prepaids?
You can load with moneypaks online and other things and can just send payment for free to your cc's or other?
That is how I am using the greendot prepaid card I have and I am avoiding fees because I am doing enough. It is a nice alternative to BB and I just have to drive 4 miles instead of 15. greendot prepaids can have a ton of fees but not if you load enough.
You can load with moneypaks online and other things and can just send payment for free to your cc's or other?
That is how I am using the greendot prepaid card I have and I am avoiding fees because I am doing enough. It is a nice alternative to BB and I just have to drive 4 miles instead of 15. greendot prepaids can have a ton of fees but not if you load enough.
#1596
Join Date: Mar 2013
Location: MSP
Posts: 330
Is go bank like the greendot prepaids?
You can load with moneypaks online and other things and can just send payment for free to your cc's or other?
That is how I am using the greendot prepaid card I have and I am avoiding fees because I am doing enough. It is a nice alternative to BB and I just have to drive 4 miles instead of 15. greendot prepaids can have a ton of fees but not if you load enough.
You can load with moneypaks online and other things and can just send payment for free to your cc's or other?
That is how I am using the greendot prepaid card I have and I am avoiding fees because I am doing enough. It is a nice alternative to BB and I just have to drive 4 miles instead of 15. greendot prepaids can have a ton of fees but not if you load enough.
How long have you been loading a ton on your greendot prepaids?
#1597
Join Date: Dec 2012
Posts: 498
Also, you can load GD prepaids with moneypacks as many times as you want as long as you are within limits. Direct pay is free too.
#1598
Join Date: Feb 2013
Location: Tampa, FL
Posts: 304
Logged in this morning to find I was shut down. Not surprising since I've been liquidating GCs lately. Put 1k in last month, small purchases, BP the rest. Last week I started loading 2.5k a day. WM kiosk messed up on a load Friday, next load said I was over my balance limit and was rejected. Probably my fault for not realizing my balance. Saturday things went fine. Only got about $10k in in before shut down. Oh well.
#1599
Join Date: Mar 2013
Location: MSP
Posts: 330
Has anyone had a swipe reload post then unpost? I swiped $500 x2 on Sat, first one showed up into my account immediately, second one took 10-15 minutes but eventually showed up. Now when I log into my account there is no recent load activity.
#1603
Join Date: Dec 2012
Posts: 498
another flawless 2k today at my local RA with moneypacks. this is getting nice
#1604
Join Date: Mar 2013
Posts: 809
GD is a terrible terrible company.
Read the last couple pages of this...
http://www.flyertalk.com/forum/manuf...oneypak-5.html