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 2, 2013, 10:45 pm
#106
Join Date: Mar 2013
Posts: 809
Just set up my GoBank! Although Im not sure how much Ill use it... If it helps anyone, my deposit was from my Paypal debit and it showed up as a signature purchase on my paypal statement, so it got 1% cashback.
May 4, 2013, 6:55 am
#107
Join Date: May 2013
Posts: 1,153
Tried to link AP with GoBank...I think it's been over a week, and I think it failed:
"Important Notice:
For your security and account protection, please enter your bank routing number and account number again to start the verification process for your GREEN DOT BK DBA BONNEVILLE BK, UT account ending in **"
If anybody is interested, I'll try again. I'm not gonna mess with it until I need it.
Tried to link Chase Checking a while back. Ended up as a disaster, so I wouldn't take that route either.
I kind of start feeling I need to see Chex and EWS reports making sure that I'm not setting fraud flags.
"Important Notice:
For your security and account protection, please enter your bank routing number and account number again to start the verification process for your GREEN DOT BK DBA BONNEVILLE BK, UT account ending in **"
If anybody is interested, I'll try again. I'm not gonna mess with it until I need it.
Tried to link Chase Checking a while back. Ended up as a disaster, so I wouldn't take that route either.
I kind of start feeling I need to see Chex and EWS reports making sure that I'm not setting fraud flags.
May 7, 2013, 4:13 pm
#108
Join Date: Sep 2007
Location: Chicago
Programs: AA, BA, CX, DL, EK, F9, GA, HA, IB, JL, KE, LH, MH, NH, OS, PG, QR, RJ, SA, TG, UA, VN, WN, ZH
Posts: 927
I was able to reload with Chase GC @ WM moneycenter ATM for no fee. The daily limit is $2500 but I don't plan on going anywhere near that. Still not sure what's the monthly limit is.
Online debit load is still hit & miss. Limit 1 load & $200/day and it's a rolling 24-hours period. They count it against you even after an unsuccessful load. Bleh!
Sent a small bill payment to Chase CC, it shows up in my Chase account the next business day. Faster than BB probably because of small number of users currently.
Online debit load is still hit & miss. Limit 1 load & $200/day and it's a rolling 24-hours period. They count it against you even after an unsuccessful load. Bleh!
Sent a small bill payment to Chase CC, it shows up in my Chase account the next business day. Faster than BB probably because of small number of users currently.
May 7, 2013, 4:23 pm
#109
Join Date: Dec 2011
Location: ORD
Posts: 701
I was able to reload with Chase GC @ WM moneycenter ATM for no fee. The daily limit is $2500 but I don't plan on going anywhere near that. Still not sure what's the monthly limit is.
Online debit load is still hit & miss. Limit 1 load & $200/day and it's a rolling 24-hours period. They count it against you even after an unsuccessful load. Bleh!
Sent a small bill payment to Chase CC, it shows up in my Chase account the next business day. Faster than BB probably because of small number of users currently.
Online debit load is still hit & miss. Limit 1 load & $200/day and it's a rolling 24-hours period. They count it against you even after an unsuccessful load. Bleh!
Sent a small bill payment to Chase CC, it shows up in my Chase account the next business day. Faster than BB probably because of small number of users currently.
May 7, 2013, 4:32 pm
#110
Join Date: Dec 2003
Location: CA
Programs: BA, AA, United
Posts: 429
I called GoBank and they told me that I was denied because of a shutdown by Greendot in the past..
May 7, 2013, 5:05 pm
#111
Join Date: Nov 2009
Posts: 774
I have/had both Greendot and GoBank. Just got banned by greendot so curious to see what happens to my GoBank. So far... so good.
Ill try some more bill pays and see if I get canned from GoBank also
Ill try some more bill pays and see if I get canned from GoBank also
May 7, 2013, 7:54 pm
#112
Join Date: May 2013
Posts: 1,153
Fail loading as a debit after the expiration expansion:
US Bank VISA GC
US Bank MC GC
US Bank VISA GC
US Bank MC GC
May 9, 2013, 6:37 pm
#113
Join Date: May 2013
Posts: 2
Signed up just to help some people out. (:
If you still want invites, PM me. I've been using GoBank with 0 issues so far. Only using direct deposit / debit card deposits. Haven't tried anything else yet. No errors on anything.
EDIT: As I've already received a few PMs. I'll explain the instructions.
I need your email address. The way this works, is I'm able to "Pay a Person" $1. Then, they are able to create a GoBank to receive the money.
If you would like me to continue paying it forward, you're able to send the $1 back to me (No fees, of course), so I can continue to inviting more people.
If you still want invites, PM me. I've been using GoBank with 0 issues so far. Only using direct deposit / debit card deposits. Haven't tried anything else yet. No errors on anything.
EDIT: As I've already received a few PMs. I'll explain the instructions.
I need your email address. The way this works, is I'm able to "Pay a Person" $1. Then, they are able to create a GoBank to receive the money.
If you would like me to continue paying it forward, you're able to send the $1 back to me (No fees, of course), so I can continue to inviting more people.
Last edited by horrorslice; May 9, 2013 at 7:08 pm
May 10, 2013, 10:10 pm
#114
Join Date: Feb 2006
Programs: Krisflyer, Asia Miles, Miles and Bonus
Posts: 251
Has anyone received a copy of the changes to the deposit account agreement? If yes, it looks like the below change means that debit cards can only be used for initial deposits. If I have misinterpreted the change, please let me know. Thanks.
======
Deposit Options
Using a debit card to deposit money into your account will only be an option when making your initial deposit. Ongoing deposit options now include Mobile Deposit, Direct Deposit, bank transfer and cash.
======
Deposit Options
Using a debit card to deposit money into your account will only be an option when making your initial deposit. Ongoing deposit options now include Mobile Deposit, Direct Deposit, bank transfer and cash.
May 10, 2013, 10:33 pm
#115
Join Date: Oct 2012
Posts: 970
Has anyone received a copy of the changes to the deposit account agreement? If yes, it looks like the below change means that debit cards can only be used for initial deposits. If I have misinterpreted the change, please let me know. Thanks.
======
Deposit Options
Using a debit card to deposit money into your account will only be an option when making your initial deposit. Ongoing deposit options now include Mobile Deposit, Direct Deposit, bank transfer and cash.
======
Deposit Options
Using a debit card to deposit money into your account will only be an option when making your initial deposit. Ongoing deposit options now include Mobile Deposit, Direct Deposit, bank transfer and cash.
May 10, 2013, 11:23 pm
#116
Join Date: Jul 2010
Location: DCA
Programs: US CP, DL GM, AA Plat
Posts: 729
I haven't received notice of this change and I can still deposit via debit card.
May 11, 2013, 7:04 am
#117
Join Date: Feb 2006
Programs: Krisflyer, Asia Miles, Miles and Bonus
Posts: 251
May 11, 2013, 7:12 am
#118
Join Date: Jul 2006
Posts: 1,345
Has anyone received a copy of the changes to the deposit account agreement? If yes, it looks like the below change means that debit cards can only be used for initial deposits. If I have misinterpreted the change, please let me know. Thanks.
======
Deposit Options
Using a debit card to deposit money into your account will only be an option when making your initial deposit. Ongoing deposit options now include Mobile Deposit, Direct Deposit, bank transfer and cash.
======
Deposit Options
Using a debit card to deposit money into your account will only be an option when making your initial deposit. Ongoing deposit options now include Mobile Deposit, Direct Deposit, bank transfer and cash.
May 11, 2013, 7:28 am
#119
Join Date: Sep 2011
Location: MLB
Programs: DL DM/2.9M, AA EXP, *A Gold
Posts: 245
I just signed up for gobank so that sucks. But the way the two sentences are structured it seems to indicate your only option to fund first time is debit. After that you can deposit with these additional methods too. It seems to open it up rather than limit it but who knows.
GoBank is over before it really started.
May 11, 2013, 7:58 am
#120
Join Date: Jul 2010
Location: DCA
Programs: US CP, DL GM, AA Plat
Posts: 729
Nope. Debit load is "only allowed", not "Only Debit load is allowed." Big difference. First load can be anything you want. After that: "Mobile Deposit, Direct Deposit, bank transfer and cash." None of these is a debit card load.
GoBank is over before it really started.
GoBank is over before it really started.