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
Jun 29, 2013, 9:43 am
#841
Join Date: May 2013
Posts: 14
From what I've read, you are the greedy one spending $7k on CVS and CVS only with Blue Cash. If it was other cards, probably nobody cared. You just want to justify your position and nobody is supporting you. And, how are your analysis going with the Blue Cash? You don't have data because you use noticeable amounts to buy VRs and can't differentiate one purchase from another or something?
Last edited by jthagan; Jun 29, 2013 at 9:58 am
Jun 29, 2013, 9:49 am
#842
Join Date: May 2013
Posts: 14
Yes, that's vagrants, post 807. With the help of pier11 (post 815), it's probably the best idea stated on this thread.
Jun 29, 2013, 10:14 am
#843
Join Date: May 2013
Posts: 1,153
From what I've read, you are the greedy one spending $7k on CVS and CVS only with Blue Cash. If it was other cards, probably nobody cared. You just want to justify your position and nobody is supporting you. And, how are your analysis going with the Blue Cash? You don't have data because you use noticeable amounts to buy VRs and can't differentiate one purchase from another or something?
If you want a tip, here is a tip. I went through the conversation with the front CSR ('front' = sometimes don't know what they are talking about...so not sure how accurate) on the phone in my mind. I remember the CSR saying that they do not like depositing many checks that are not in your name (I assume it's 'From' on the check). It's not a direct confirmation of what pier11 said, but it seems they can't tell the difference between cash & debit loads...and even Mobile Deposit for that matter...how does MO deposit look like? As long as I don't set a flag on auto and have a manual review, can it be treated like a regular check or even as a pay check? And, if that's true, and if the Mobile Deposit can accept MoneyGram MOs (GB FAQ says MO deposits OK), you can do higher than $1.1k in a single shot although it costs $0.70 (limit: personal checks up to $250, government checks up to $5000). And, I got shutdown on the 2nd month since I started the behavior. They did allow it for the 1st month. The shutdown didn't occur on my statement date. My statement date was like 2 weeks ago (middle of the month). Maybe they are forgiving if a person changes his/her way. I'm not going to find things out using SOs' names. Oh, yes, and the small business thing. That's what I came up on the spot. I didn't plan on saying that from the beginning. I had and still have no idea how to explain so many deposits/month for a 'personal' account.
Happy now? Get back to work instead of arguing.
Last edited by vagrants; Jun 29, 2013 at 11:21 pm
Jun 29, 2013, 11:03 am
#844
Join Date: Jun 2013
Posts: 194
Dammit, not this too! Stupid Green Dot. I just got started on this thing. Ugh.
Jun 29, 2013, 1:58 pm
#845
Suspended
Join Date: May 2009
Location: DFW
Programs: AAdvantage Platinum, Hilton HHonors Gold
Posts: 2,863
Like everything, when people abuse of it, they should expect to be axed. In all honesty, this card is meant for low-income people who cannot access/afford easy banking as an alternative. Now, no low-income person could afford 7-8k a month in reloads, don't you think so? Keep it low, and it will serve you well.
Jun 29, 2013, 4:22 pm
#847
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
Jun 29, 2013, 5:18 pm
#849
Join Date: May 2013
Posts: 1,153
Last month: $3,728.83 and 17 GC loads
This month: $3,903.03 and 23 GC loads
There was 1x ACH pull for CC payment this month and 1x ATM draw last month.
Now that I actually counted (I only tracked the amount loaded to the account), it seems pretty high. I should have treated like a regular bank account or BB (I don't do so many small loads on this one...but I had to drain from PrePaids and couldn't do massive amounts without PrePaids getting closed...in any case, I was a loading whore. Being a whore is so much easier than not being one).
With PainCorp's info ($3,550), # of loads matters. If PainCorp has more loads...then I'm pissed. If not, maybe it's time I get one for SOs.
And, it's time for me to shut up. PainCorp has the critical info.
This month: $3,903.03 and 23 GC loads
There was 1x ACH pull for CC payment this month and 1x ATM draw last month.
Now that I actually counted (I only tracked the amount loaded to the account), it seems pretty high. I should have treated like a regular bank account or BB (I don't do so many small loads on this one...but I had to drain from PrePaids and couldn't do massive amounts without PrePaids getting closed...in any case, I was a loading whore. Being a whore is so much easier than not being one).
With PainCorp's info ($3,550), # of loads matters. If PainCorp has more loads...then I'm pissed. If not, maybe it's time I get one for SOs.
And, it's time for me to shut up. PainCorp has the critical info.
Last edited by vagrants; Jun 29, 2013 at 5:55 pm
Jun 29, 2013, 5:47 pm
#850
Join Date: Jan 2013
Location: LAX, SNA
Posts: 359
I've had my card for less than 2 weeks. I loaded about 5k in the first 10 days, mostly $500 GCs. I've done two ACH pulls and have less than $100 left in the account. My account is still open, but I'm sure my days are numbered. I was planning to load about 10k before reading about the shutdowns. I will probably try to keep it under 5k.
Jun 29, 2013, 5:56 pm
#851
Join Date: Mar 2013
Posts: 809
Last month: $3,728.83 and 17 GC loads
This month: $3,903.03 and 23 GC loads
There was 1x ACH pull for CC payment this month and 1x ATM draw last month.
Now that I actually counted (I only tracked the amount loaded to the account), it seems pretty high. I should have treated like a regular bank account or BB (I don't do so many small loads on this one...but I had to drain from PrePaids and couldn't do massive amounts without PrePaids getting closed...in any case, I was a loading whore).
With PainCorp's info ($3,550), # of loads matters. If PainCorp has more loads...then I'm pissed. If not, maybe it's time I get one for SOs.
And, it's time for me to shut up. PainCorp has the critical info.
This month: $3,903.03 and 23 GC loads
There was 1x ACH pull for CC payment this month and 1x ATM draw last month.
Now that I actually counted (I only tracked the amount loaded to the account), it seems pretty high. I should have treated like a regular bank account or BB (I don't do so many small loads on this one...but I had to drain from PrePaids and couldn't do massive amounts without PrePaids getting closed...in any case, I was a loading whore).
With PainCorp's info ($3,550), # of loads matters. If PainCorp has more loads...then I'm pissed. If not, maybe it's time I get one for SOs.
And, it's time for me to shut up. PainCorp has the critical info.
I know it probably wont last. But trying to draw conclusions because someone is still open at this point is useless.
Jun 29, 2013, 5:57 pm
#852
Join Date: May 2013
Posts: 1,153
Anyway, the importance goes to both already closed and people who survived the purge. Yes, finding the highest amount is next if it's not already known. Since I got kicked out, I stopped paying attention to >$10k reports and don't remember a thing. Now, I have to go back and read 'em. Your $21k might be the highest.
Last edited by vagrants; Jun 29, 2013 at 6:17 pm
Jun 29, 2013, 6:00 pm
#854
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
Also loading them where I live has become an issue, I have to drive 15-20 minutes to get to a WM with a Kiosk, so I've cut down on manufacturing this way.
I <3 you too. =P
Everything was sent to CC bill-pay within a week and a half.
Biggest load in a day: $1,500
Biggest balance carried: $1,500
Most loads in a day: 3
All load amounts: $500
Everything exited through bill-pay, except about $5 in charges to keep GD happy.
Last edited by PainCorp; Jun 29, 2013 at 6:07 pm
Jun 29, 2013, 6:04 pm
#855
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Last month: $3,728.83 and 17 GC loads
This month: $3,903.03 and 23 GC loads
There was 1x ACH pull for CC payment this month and 1x ATM draw last month.
Now that I actually counted (I only tracked the amount loaded to the account), it seems pretty high. I should have treated like a regular bank account or BB (I don't do so many small loads on this one...but I had to drain from PrePaids and couldn't do massive amounts without PrePaids getting closed...in any case, I was a loading whore. Being a whore is so much easier than not being one).
With PainCorp's info ($3,550), # of loads matters. If PainCorp has more loads...then I'm pissed. If not, maybe it's time I get one for SOs.
And, it's time for me to shut up. PainCorp has the critical info.
This month: $3,903.03 and 23 GC loads
There was 1x ACH pull for CC payment this month and 1x ATM draw last month.
Now that I actually counted (I only tracked the amount loaded to the account), it seems pretty high. I should have treated like a regular bank account or BB (I don't do so many small loads on this one...but I had to drain from PrePaids and couldn't do massive amounts without PrePaids getting closed...in any case, I was a loading whore. Being a whore is so much easier than not being one).
With PainCorp's info ($3,550), # of loads matters. If PainCorp has more loads...then I'm pissed. If not, maybe it's time I get one for SOs.
And, it's time for me to shut up. PainCorp has the critical info.