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Old Sep 24, 14, 10:56 am   -   Wikipost
FlyerTalk Forums Thread Wiki: Gobank by Greendot - online banking with debit card
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Last edit by: binnycode
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!

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Old Aug 17, 13, 2:36 pm   #1396
 
Join Date: May 2013
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Originally Posted by mittenfingerz View Post
Doubt it. Seems like once you trip a certain threshold, they can you. No way of knowing what that is. It seems like they set the traps once a month. I have been loading much bigger numbers, and always get a month in before shutdown... I'm running out of cards
Someone told me they were able to get their family members to order cards for themselves and mail it to them.

Not a bad idea as its not credit related and the worst that could happen is a card they never have a need for will get shut down.

Personally family and money don't mix but since this is not a credit product ....
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Old Aug 17, 13, 3:36 pm   #1397
 
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Originally Posted by KYBOSH View Post
Someone told me they were able to get their family members to order cards for themselves and mail it to them.

Not a bad idea as its not credit related and the worst that could happen is a card they never have a need for will get shut down.

Personally family and money don't mix but since this is not a credit product ....
Yup, I have 3 on the way from family and friends. Wonder if you're talking about me

This will really reduce the money order/human interaction burden.
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Old Aug 17, 13, 9:45 pm   #1398
 
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Originally Posted by jewsus View Post
Yup, I have 3 on the way from family and friends. Wonder if you're talking about me

This will really reduce the money order/human interaction burden.
I would love to ask friends but they all have money issues lol. I am afraid if I use them to order a card and put money in the bank, their creditors will take the money out of the bank for both Gobank and BB. If they open up a checking account from ie chase, citi, etc, creditors will take the money out of the account. It has already happen to them so I dont ask them lol
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Old Aug 18, 13, 8:45 am   #1399
 
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Originally Posted by jewsus View Post
Yup, I have 3 on the way from family and friends. Wonder if you're talking about me

This will really reduce the money order/human interaction burden.
I also agree that it's a burden to deal with a bunch of money orders and whatnot. I prefer to use a machine. My kiosk hasn't been working, though.
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Old Aug 18, 13, 12:32 pm   #1400
 
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What is the address?

With bluebird I don't need any "address". What address does Gobank want for BP to the banks?

BofA specifically?

Or are people just "BPing" to themselves/spouses/friends etc...?
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Old Aug 18, 13, 2:52 pm   #1401
 
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Originally Posted by pier11 View Post
2.5K a day

"We allow between $20 (minimum) and $1,100 (maximum) per transaction.
The maximum you can deposit in one day is $2,500."
I see lots of posts on people loading $1999 at WM - is that split up into 4 separate transactions? I'd like to lower the total # of transactions and not make it obvious I'm doing $500 at a time. Can I combine multiple gift cards into a single $1100 transaction, and if so do I need to do that at the register or can I do that at the kiosk?
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Old Aug 18, 13, 3:22 pm   #1402
 
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Originally Posted by stokd View Post
I see lots of posts on people loading $1999 at WM - is that split up into 4 separate transactions? I'd like to lower the total # of transactions and not make it obvious I'm doing $500 at a time. Can I combine multiple gift cards into a single $1100 transaction, and if so do I need to do that at the register or can I do that at the kiosk?
Kiosk doesn‘t support multiple cards.
At regular register or service center you can ask to split transaction. 3 cards work. 4 - depends on cashier proficiency.
Not many cashiers know how to do split transaction - hence many of us give up and load one card per transaction.

Welcome to FT :-)
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Old Aug 18, 13, 4:00 pm   #1403
 
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Originally Posted by michael21 View Post
With bluebird I don't need any "address". What address does Gobank want for BP to the banks?

BofA specifically?

Or are people just "BPing" to themselves/spouses/friends etc...?
If you choose the specific BofA product from the list that pops up when you start typing the name, you don't have to have an address. I find that method easier. Otherwise, you have to dig up statements or call and ask.
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Old Aug 19, 13, 5:46 am   #1404
 
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Originally Posted by pier11 View Post
Kiosk doesn‘t support multiple cards.
WM kiosk supports multiple cards. I have loaded 3 different $500 cards one after another in kiosks once, I regularly do 2 different cards at kiosk. sometimes it can be a little erratic, but it ultimately works fine
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Old Aug 19, 13, 6:17 am   #1405
 
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Originally Posted by americanindian View Post
WM kiosk supports multiple cards. I have loaded 3 different $500 cards one after another in kiosks once, I regularly do 2 different cards at kiosk. sometimes it can be a little erratic, but it ultimately works fine
The original question was whether multiple cards can be used in a single transaction; the kiosk won't allow that. Back to back has generally not been an issue, keeping in mind the $1999 limit.
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Old Aug 21, 13, 11:56 pm   #1406
 
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Originally Posted by kjgco View Post
The original question was whether multiple cards can be used in a single transaction; the kiosk won't allow that. Back to back has generally not been an issue, keeping in mind the $1999 limit.
Since this is the GB thread: What you can do at the kiosk is buy 4x $500 MO in one transaction for $2,002.80 using your GB card, as a way to drain it. Why do this rather than 4x $499.30 buys using 4 GC's. You decide, but it is way to draw down GB as 'spend'.
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Old Aug 22, 13, 6:58 am   #1407
 
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Originally Posted by rdover1 View Post
Since this is the GB thread: What you can do at the kiosk is buy 4x $500 MO in one transaction for $2,002.80 using your GB card, as a way to drain it. Why do this rather than 4x $499.30 buys using 4 GC's. You decide, but it is way to draw down GB as 'spend'.
None of the Wmts near me have kiosks that allow money order purchases, unfortunately. I do purchase them at the counter routinely, however, for the reason you mention.
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Old Aug 22, 13, 9:54 am   #1408
 
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Originally Posted by rdover1 View Post
Since this is the GB thread: What you can do at the kiosk is buy 4x $500 MO in one transaction for $2,002.80 using your GB card, as a way to drain it. Why do this rather than 4x $499.30 buys using 4 GC's. You decide, but it is way to draw down GB as 'spend'.
Why would you unload GC -> GB and then unload GB -> MO? Cut out the GB and you have less steps and less worry from GreenDot.

Personally, I'm doing GC -> MO AND GC -> GB to diversify. Buying and depositing thousands in MO a week seems to add more scrutiny than I care for right now. Also, my kiosks don't do MO so I have to go to money center (more time).
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Old Aug 22, 13, 10:31 am   #1409
 
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Originally Posted by iminsandiego View Post
Why would you unload GC -> GB and then unload GB -> MO? Cut out the GB and you have less steps and less worry from GreenDot.

Personally, I'm doing GC -> MO AND GC -> GB to diversify. Buying and depositing thousands in MO a week seems to add more scrutiny than I care for right now. Also, my kiosks don't do MO so I have to go to money center (more time).
Agreed - but why not open more biz bank accounts and funnel more MO thatw ay. GB has dumped me and I am not sure it works for most. Some have survived the GB story - BRAVO to them, but for the most part GB is the pain and WM is not. Finally, for a few more cents there are MANY other places to buy paper.
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Old Aug 23, 13, 8:21 am   #1410
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First month with GB and all is good - $7100 deposited, $7050 bill pay out. Twelve debit/credit charges (small ~$1-$3 each).
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