Jun 28, 2013, 3:20 pm
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
May 29, 2013, 4:17 pm
#243
Join Date: Aug 2012
Posts: 367
I have not verified it myself...just know that people have stated they are no longer accepting them after initial deposit.. If you type your GoBank card # into the moneypak site it still shows it as a valid card in-network and allows you to enter in a moneypak pin.
GoBank has removed almost all advertising about loading via MoneyPak from their page though...I see nothing left about them re-reimbursing you for first load. Everything with them is in transition right now...I can't believe that it is YMMV with Moneypaks though...so if some people are verifying them as working I suspect they work...likely though the moneypak site.
There are some negative connotations with Moneypak in some regards so I suspect they may be trying to distance the GoBank name from Moneypak as I know they are also about to roll out a new routing # that is unique for GoBank.
GoBank has removed almost all advertising about loading via MoneyPak from their page though...I see nothing left about them re-reimbursing you for first load. Everything with them is in transition right now...I can't believe that it is YMMV with Moneypaks though...so if some people are verifying them as working I suspect they work...likely though the moneypak site.
There are some negative connotations with Moneypak in some regards so I suspect they may be trying to distance the GoBank name from Moneypak as I know they are also about to roll out a new routing # that is unique for GoBank.
May 29, 2013, 4:31 pm
#244
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
So about a week or so ago i used my debit card to fund gobank. Still waiting on the card to arrive. Now when i go to funding i see this -
"Deposit cash for free!
Take your GoBank debit card and cash to any participating Walmart offering Rapid Reload. The Cashier will take your cash, then swipe your GoBank debit card to deposit the money into your account immediately.
There are more than 3,900 Walmart locations with Rapid Reload nationwide (not available in VT or WY).
There's no charge for this, and the money will be available instantly.
We allow between $20 (minimum) and $1,100 (maximum) per transaction.
The maximum you can deposit in one day is $2,500."
Does this mean the only way to fund is using cash?
"Deposit cash for free!
Take your GoBank debit card and cash to any participating Walmart offering Rapid Reload. The Cashier will take your cash, then swipe your GoBank debit card to deposit the money into your account immediately.
There are more than 3,900 Walmart locations with Rapid Reload nationwide (not available in VT or WY).
There's no charge for this, and the money will be available instantly.
We allow between $20 (minimum) and $1,100 (maximum) per transaction.
The maximum you can deposit in one day is $2,500."
Does this mean the only way to fund is using cash?
May 29, 2013, 5:37 pm
#246
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
So about a week or so ago i used my debit card to fund gobank. Still waiting on the card to arrive. Now when i go to funding i see this -
"Deposit cash for free!
Take your GoBank debit card and cash to any participating Walmart offering Rapid Reload. The Cashier will take your cash, then swipe your GoBank debit card to deposit the money into your account immediately.
There are more than 3,900 Walmart locations with Rapid Reload nationwide (not available in VT or WY).
There's no charge for this, and the money will be available instantly.
We allow between $20 (minimum) and $1,100 (maximum) per transaction.
The maximum you can deposit in one day is $2,500."
Does this mean the only way to fund is using cash?
"Deposit cash for free!
Take your GoBank debit card and cash to any participating Walmart offering Rapid Reload. The Cashier will take your cash, then swipe your GoBank debit card to deposit the money into your account immediately.
There are more than 3,900 Walmart locations with Rapid Reload nationwide (not available in VT or WY).
There's no charge for this, and the money will be available instantly.
We allow between $20 (minimum) and $1,100 (maximum) per transaction.
The maximum you can deposit in one day is $2,500."
Does this mean the only way to fund is using cash?
May 29, 2013, 5:41 pm
#248
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
May 29, 2013, 6:12 pm
#249
Join Date: Aug 2009
Location: ORD, LAS
Programs: AA-EXP, BAEC Silver, Hyatt-Globalist, Hilton-gold, SPG-gold
Posts: 855
How long does it take to receive the card? I signed up one week ago.
May 29, 2013, 7:00 pm
#251
Join Date: Feb 2013
Posts: 170
Do not wait for GoBank invite for ever.
Keep trying to register after every few days. You may get a message to be Patient. However, on subsequent attempts but it will let you in to create an account.
I could do on third attempt in total two weeks time because I was not too curious to create account. This is one of the many bank accounts I have.
Keep trying to register after every few days. You may get a message to be Patient. However, on subsequent attempts but it will let you in to create an account.
I could do on third attempt in total two weeks time because I was not too curious to create account. This is one of the many bank accounts I have.
May 29, 2013, 7:12 pm
#252
Join Date: Mar 2007
Posts: 375
What amount per month is safe to load to GoBank via debit cards and unload via bill pay?
May 29, 2013, 7:27 pm
#253
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
Do not wait for GoBank invite for ever.
Keep trying to register after every few days. You may get a message to be Patient. However, on subsequent attempts but it will let you in to create an account.
I could do on third attempt in total two weeks time because I was not too curious to create account. This is one of the many bank accounts I have.
Keep trying to register after every few days. You may get a message to be Patient. However, on subsequent attempts but it will let you in to create an account.
I could do on third attempt in total two weeks time because I was not too curious to create account. This is one of the many bank accounts I have.
May 29, 2013, 10:13 pm
#254
Join Date: Sep 2011
Posts: 75
Do not wait for GoBank invite for ever.
Keep trying to register after every few days. You may get a message to be Patient. However, on subsequent attempts but it will let you in to create an account.
I could do on third attempt in total two weeks time because I was not too curious to create account. This is one of the many bank accounts I have.
Keep trying to register after every few days. You may get a message to be Patient. However, on subsequent attempts but it will let you in to create an account.
I could do on third attempt in total two weeks time because I was not too curious to create account. This is one of the many bank accounts I have.
May 29, 2013, 10:49 pm
#255
Join Date: May 2012
Location: New England
Programs: DL PM, HH Gold, the rest come and go
Posts: 313
I have not seen a single report of any shutdowns/warnings for this behavior with Gobank (as opposed to the many other green dot products). I do many, many thousands per month, primarily through ACH pulls out of the account.