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
Aug 2, 2013, 4:25 pm
#1246
Join Date: Nov 2012
Location: SAN
Posts: 152
delete
Last edited by iminsandiego; Aug 2, 2013 at 4:49 pm Reason: useless information
Aug 2, 2013, 4:26 pm
#1247
Join Date: Aug 2009
Location: ORD, LAS
Programs: AA-EXP, BAEC Silver, Hyatt-Globalist, Hilton-gold, SPG-gold
Posts: 855
I don't believe that this policy is new. I think I remember them saying this when I opened my account. If they are enforcing it, well then that is new.
Aug 2, 2013, 4:30 pm
#1248
Join Date: May 2013
Posts: 1,153
I don't think you understand my situation since you didn't read. Did you know that I was shutdown first and then tried the SO? You are the first one who succeeded to get a card AFTER a shutdown. Apparently, their blacklisting database includes all the info. If one of the info matches (name or address or SSN or whatever), you get "we cannot approve you error" no matter who the person is.
Last edited by vagrants; Aug 2, 2013 at 4:47 pm
Aug 2, 2013, 4:33 pm
#1250
Join Date: Feb 2013
Location: PHL
Programs: UA, DL, AA, ANA
Posts: 226
added money yesterday with pin based GC, no issues
Aug 2, 2013, 4:37 pm
#1251
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,028
How can GB know what payment method you use at WM?
Aug 2, 2013, 4:42 pm
#1253
Join Date: Nov 2012
Location: SAN
Posts: 152
I don't see how they could have instituted it a few days ago. I show loads using HIGC late 8/31 and early 8/1. I believe my total is correct, but I'm missing a couple transactions.
Aug 2, 2013, 4:47 pm
#1254
Join Date: Nov 2012
Location: SAN
Posts: 152
I don't think you understand my situation since you didn't read. Did you know that I was shutdown first and then tried the SO? You are the first one who succeeded to get a card AFTER a shutdown. Apparently, their blacklisting database includes all the info. If one of the info matches (name or address or SSN or whatever), you get "we cannot approve you error."
So to clarify so I don't give wrong information to others. I did not get a card for my wife after a shutdown.
Last edited by iminsandiego; Aug 2, 2013 at 4:50 pm Reason: spelling
Aug 3, 2013, 8:26 am
#1255
Join Date: Jul 2013
Posts: 636
I got a weird reload today.
I loaded $200 VISA to Gobank at Walmart Kiosk machine today. It got only an almost blank receipt saying "Host time out". The money did leave the VISA card and my Gobank balance went up by $200.
Several hours later, the money got back to the VISA card with a description "Mastercard Settlement Reversal" and my Gobank balance also reverse.
I loaded $200 VISA to Gobank at Walmart Kiosk machine today. It got only an almost blank receipt saying "Host time out". The money did leave the VISA card and my Gobank balance went up by $200.
Several hours later, the money got back to the VISA card with a description "Mastercard Settlement Reversal" and my Gobank balance also reverse.
Aug 3, 2013, 8:32 am
#1256
Join Date: Dec 2012
Location: JFK
Programs: *$ Gold :)
Posts: 1,061
I got a weird reload today.
I loaded $200 VISA to Gobank at Walmart Kiosk machine today. It got only an almost blank receipt saying "Host time out". The money did leave the VISA card and my Gobank balance went up by $200.
Several hours later, the money got back to the VISA card with a description "Mastercard Settlement Reversal" and my Gobank balance also reverse.
I loaded $200 VISA to Gobank at Walmart Kiosk machine today. It got only an almost blank receipt saying "Host time out". The money did leave the VISA card and my Gobank balance went up by $200.
Several hours later, the money got back to the VISA card with a description "Mastercard Settlement Reversal" and my Gobank balance also reverse.
Aug 3, 2013, 8:33 am
#1257
Join Date: Dec 2012
Location: JFK
Programs: *$ Gold :)
Posts: 1,061
This story.
Aug 3, 2013, 8:50 am
#1258
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
GB is becoming a real pain in the butt. But, I suspect that if they are just now implementing this, it's because of the HIGC fiasco. I think that brought unnecessary attention to gift cards with pins. That deal wasn't worth it in the long run. I hate that people posted about it if this is part of the aftermath.
Aug 3, 2013, 8:53 am
#1259
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
I'm thinking it is the HIGC that she was talking about. I think they blocked those. I don't know that they can block normal visas.
(Then again, if the HIGC can be blocked, I guess these can be too. Although, we don't really know who stopped that.)
(Then again, if the HIGC can be blocked, I guess these can be too. Although, we don't really know who stopped that.)
Last edited by TheDapperDon; Aug 3, 2013 at 8:53 am Reason: correcting my logic
Aug 3, 2013, 9:17 am
#1260
Join Date: May 2013
Posts: 939
Not seeing how they would retroactively go back and reverse HIGC loads. If they would do that they would/could do any GC load.
