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
#1996
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,937
#1997
Join Date: Jan 2013
Programs: AA, SPG, MR, UR, Cash Back!
Posts: 606
Does the new MasterCard load at the WM kiosk? I tried to load my wife's GoBank MasterCard at it didn't work. It said card type not accepted. For reference my Visa GoBank worked.
#1998
Join Date: Dec 2009
Location: DEN
Posts: 502
I tried a while back and it didn't work for the GoBank card. There were two options on the POS terminal and neither worked.
#1999
Join Date: Aug 2011
Posts: 404
As in two card types that could be loaded? I was hoping maybe to get my hr block card loading at the register. I tried serve a while ago and it didn't work.
#2000
Join Date: Nov 2013
Location: Sacramento, CA
Posts: 437
I load my new GoBank MC at the registers and it works, so I don't see why it would not work with Kate. Never had a chance to try a Kate load yet though.
#2001
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,937
#2002
Join Date: Dec 2007
Location: DFW
Programs: AA Lifetime Platinum, Hyatt Plat Hilton Gold, SPG Gold, Club Carl Gold, IHG Plat
Posts: 1,002
#2004
Join Date: May 2011
Posts: 22
The very first point is wiki is very much true. Never let the cashier scan your card for loading. I went through this ordeal, i had to involve the store manager to get my money back, not to mention, the awkward questions like- why are you loading one pre-paid card from the other pre-paid card.
#2005
Join Date: Aug 2011
Posts: 404
what are the loading capabilities of the temp card? or do you have to wait for the permanent?
#2006
Join Date: Oct 2014
Posts: 108
Stays alive requirement
Personally I don't like the wiki title for stay alive: "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".
I have my gobank card for 18 months. I only have one swipe $25 or less for the entire 18 months. 80% of the time my balance was over $2K to $4k since I am not in a hurry to spend it. I loaded about $4K to 4.5K each month. I have one Direct Deposit for $20 per month. I paid $1 month fee. I am still alive for 18 months.
My wife's gobank card is also alive for 11 months now. My wife card didn't swipe at all. Paid $1 month fee also. One Direct Deposit for $10 per month.
I have my gobank card for 18 months. I only have one swipe $25 or less for the entire 18 months. 80% of the time my balance was over $2K to $4k since I am not in a hurry to spend it. I loaded about $4K to 4.5K each month. I have one Direct Deposit for $20 per month. I paid $1 month fee. I am still alive for 18 months.
My wife's gobank card is also alive for 11 months now. My wife card didn't swipe at all. Paid $1 month fee also. One Direct Deposit for $10 per month.
#2007
Join Date: Jun 2011
Location: SFO
Programs: Hilton-Gold
Posts: 703
I was shutdown earlier by GB, can i buy the new card at WM and register?
#2009
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Personally I don't like the wiki title for stay alive: "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".
I have my gobank card for 18 months. I only have one swipe $25 or less for the entire 18 months. 80% of the time my balance was over $2K to $4k since I am not in a hurry to spend it. I loaded about $4K to 4.5K each month. I have one Direct Deposit for $20 per month. I paid $1 month fee. I am still alive for 18 months.
My wife's gobank card is also alive for 11 months now. My wife card didn't swipe at all. Paid $1 month fee also. One Direct Deposit for $10 per month.
I have my gobank card for 18 months. I only have one swipe $25 or less for the entire 18 months. 80% of the time my balance was over $2K to $4k since I am not in a hurry to spend it. I loaded about $4K to 4.5K each month. I have one Direct Deposit for $20 per month. I paid $1 month fee. I am still alive for 18 months.
My wife's gobank card is also alive for 11 months now. My wife card didn't swipe at all. Paid $1 month fee also. One Direct Deposit for $10 per month.
#2010
Join Date: Aug 2013
Location: DFW
Programs: AA, UA, SPG, BA, HH
Posts: 122
Could someone help to confirm whether ACH from bank or paypal waive the monthly fee?
thanks
thanks