Originally Posted by ctbarron

Two approaches. Method A is load as much as you can as quickly as you can. They will shut you down quickly, perhaps in a matter of days, but you'll get some benefit. If you want to drag it out a little longer don't load the maximums and don't withdraw cash quickly - let the money sit and then use GoBank's bill pay function. Once they shut you down be prepared to send in ID info and wait a couple of weeks to get your money back. GoBank does seem a bit more professional than say MVD in handling closures.

Method B would be to use GoBank sparingly. Load $500 or $1,000 per week, let is sit a day or two, then bill pay it out (I just pay off the CC's used to purchase the loads). Swipe the card a couple of times a month (no fees) for fun, make an ATM withdrawal here or there. I've managed to keep GoBank alive for about 8 months now using something like this, but I get little out of the card - just something else that can be done at Walmart while I'm there for MO's, Billpay, etc.

I don't know why you'd want to use an ATM to unload. Their bill pay function is fine and free and you can do larger volumes with this. I believe there are some data points in this thread where ATM activity draws more scrutiny, but YMMV.