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
Sep 8, 2013, 8:22 am
#1531
Join Date: Nov 2011
Location: SFO/SJC
Programs: whatever comes with CCs
Posts: 1,082
exactly.. why don't they clearly say that you are an unprofitable customer rather than labeling us as fraudsters. I guess we should all continue writing to BBB and consumer reports and get them bad publicity
Sep 9, 2013, 11:55 pm
#1532
Join Date: Jan 2013
Location: Denver
Programs: ALL OF THEM, NO STATUS ON ANY OF THEM!!
Posts: 30
Gobank by Greendot - online banking with debit card
Account Now, Go Bank and Greendot have all closed my accounts for the same reason. I'm kinda scared my rush card will suffer the same fate, why can't they all be like my BB giving out checks and everything... Oh well!
Sep 10, 2013, 12:25 am
#1533
Join Date: Nov 2012
Location: SAN
Posts: 152
My wife and I still have our accounts open for over 3 months. Not one swipe and not always draining the accounts before load. I'm not sure why we have continued to survive.
Sep 10, 2013, 3:26 am
#1534
Join Date: Jul 2010
Location: DCA
Programs: US CP, DL GM, AA Plat
Posts: 729
I'm doing low amounts (less than $2k/month). I would hate to be banned by GD as Gobank is a good backup to Blue Bird.
Sep 11, 2013, 4:52 am
#1535
Suspended
Join Date: Nov 2010
Posts: 1,677
I know this sounds too simple but - to those who were closed down were you gracious enough to allow GB a monthly fee? If so, how much were you allowing them to take?
There seems to be very little discussion about paying customers vs. free rides, and if it carries any weight.
There seems to be very little discussion about paying customers vs. free rides, and if it carries any weight.
Sep 11, 2013, 8:05 am
#1536
Join Date: Mar 2006
Location: Chicago
Programs: Mileage Plus, Rapid Rewards
Posts: 949
I pay $1/month and haven't been shut down on $5,000/a month. Not sure if that's made a difference or not.
Sep 11, 2013, 8:07 am
#1537
Suspended
Join Date: Nov 2010
Posts: 1,677
How many months has your account been active?
Sep 11, 2013, 8:21 am
#1538
Join Date: Mar 2006
Location: Chicago
Programs: Mileage Plus, Rapid Rewards
Posts: 949
4 months
Sep 11, 2013, 9:06 am
#1539
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
I'm paying a monthly fee of a buck, but I don't think they care.
Sep 11, 2013, 9:12 am
#1540
Join Date: Jan 2013
Location: LAX, SNA
Posts: 359
Yeah, I don't it makes any difference. Our patten of activity will get us shutdown, no matter the amount. I think keeping your monthly loads low will allow you stay under the radar longer, but once they catch on, they will shut you down.
Sep 11, 2013, 10:04 am
#1541
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
I know this sounds too simple but - to those who were closed down were you gracious enough to allow GB a monthly fee? If so, how much were you allowing them to take?
There seems to be very little discussion about paying customers vs. free rides, and if it carries any weight.
There seems to be very little discussion about paying customers vs. free rides, and if it carries any weight.
For what it's worth, I'm at 3 months with $0 monthly fee and not shut down, but I only do about $5k a month limited by how very rarely I can reasonably make it to a walmart given my usual residences.
Sep 11, 2013, 3:25 pm
#1542
Join Date: May 2003
Location: Las Vegas, NV
Posts: 301
After four months and 20k+ loaded onto each card, both my GB account and my girlfriend's account were finally shut down. I called and got the same vague answer on the reason for closure as the majority on the thread.
We both had loaded funds only -- amounts varied from 200-2000 at WM. No withdrawals, billpay, ACH, or swipes.
It was nice while it lasted, but was way too tough trying to figure out how to balance maximizing benefit vs. trying to stay under the radar.
FF
We both had loaded funds only -- amounts varied from 200-2000 at WM. No withdrawals, billpay, ACH, or swipes.
It was nice while it lasted, but was way too tough trying to figure out how to balance maximizing benefit vs. trying to stay under the radar.
FF
Sep 11, 2013, 4:23 pm
#1543
Join Date: Jan 2013
Location: LAX, SNA
Posts: 359
After four months and 20k+ loaded onto each card, both my GB account and my girlfriend's account were finally shut down. I called and got the same vague answer on the reason for closure as the majority on the thread.
We both had loaded funds only -- amounts varied from 200-2000 at WM. No withdrawals, billpay, ACH, or swipes.
It was nice while it lasted, but was way too tough trying to figure out how to balance maximizing benefit vs. trying to stay under the radar.
FF
We both had loaded funds only -- amounts varied from 200-2000 at WM. No withdrawals, billpay, ACH, or swipes.
It was nice while it lasted, but was way too tough trying to figure out how to balance maximizing benefit vs. trying to stay under the radar.
FF
Sep 11, 2013, 4:33 pm
#1544
Join Date: Apr 2013
Posts: 120
data point: still active but i have no formula. i've been active 3 or 4 months. mostly just BP out quickly, but a couple of swipes here and there. loaded 3k one month, 1k the next, etc. no clue why i'm not dead but i only really use it when i max out other methods so i guess i'll hang on. tempted to go out in a blaze a fire but not inspired yet. i'm at $1 for the fee.
Sep 12, 2013, 8:36 am
#1545
Join Date: Sep 2012
Location: IAD/DCA
Programs: Bunch of mid-tiers
Posts: 1,034
My third statement just posted and I am still alive. I posted details in the Wiki. Basically I load ~$2k every other week (~$4k total per month), almost all with $500 GC’s. I usually bill pay it out within 24-72 hours. I’ve only carried a balance of more than $200 for a few days once. After the first month, which is when the first wave of shut downs hit, I started doing 4-5 small (under $10) swipes per month. I also did a couple of ATM withdrawals at WM. No membership fees paid.
My current goal with this is to keep GB alive as a secondary outlet, but I figure even that is up in the air with GreenDot.
My current goal with this is to keep GB alive as a secondary outlet, but I figure even that is up in the air with GreenDot.