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 17, 2013, 9:26 pm
#151
Join Date: Nov 2009
Location: SDF
Programs: UA, HH
Posts: 692
Do you think it's the amount of transactions or the amount being loaded in multiple transactions? I know I did 5 kiosk transactions in a short time frame. (Each load was $50) I just can't remember how many I did in a row without a pause. I paused due to the balances not showing correctly, so I can't remember the exact sequence.
No charge to load at Walmart. You can use either the kiosk or the money center. Your choice.
May 17, 2013, 9:29 pm
#152
Join Date: Nov 2009
Location: SDF
Programs: UA, HH
Posts: 692
An hour later went to Money Center - load $996.26, charged me $3.74 fee. Total due - $1,000. Asked cashier to charge $500 first, swiped the first card - enter PIN, approved. Total due - $500. Swiped the second card - enter PIN, flashes 'approved' for a second, spits out a small 'debit not approved call authorizer' receipt.
May 17, 2013, 10:30 pm
#153
Join Date: Feb 2006
Programs: Krisflyer, Asia Miles, Miles and Bonus
Posts: 251
If enough people call up Gobank to request for debit loads online to be reinstated, they may change their minds.
May 17, 2013, 11:57 pm
#154
Join Date: Jun 2011
Location: Around The World
Programs: ALL :)
Posts: 384
May 18, 2013, 8:38 pm
#155
Join Date: May 2013
Location: Texas
Programs: AA, AS, DL
Posts: 111
Finally got my account opened after less than 2 days wait. The big question is whether GoBank will allow ACH pulls from, say a BoA account. I think I read somewhere that it is possible but I haven't tried yet for fear of an NSF fee. Has anyone actually tried this? Do you think this will raise the risk of getting shut down by GoBank?
May 18, 2013, 11:38 pm
#156
Join Date: May 2012
Location: New England
Programs: DL PM, HH Gold, the rest come and go
Posts: 313
Haven't tried from BoA, but Gobank allows ACH pulls from Chase/Citi/Barclays/US Bank so i'd say your chances are excellent.
May 19, 2013, 9:36 am
#158
Join Date: May 2012
Location: New England
Programs: DL PM, HH Gold, the rest come and go
Posts: 313
I do believe it will work, though, using whatever Chase's equivalent of Bank of America's "outside the bank transfer" is, although I don't know if Chase's is also free. Or you could hack together something with Chase KwikPay.
May 19, 2013, 6:50 pm
#159
Join Date: Feb 2010
Programs: UA, CO, Delta, AA, BA, Hilton, Starwood, Marriott
Posts: 211
I just deposited $200 to my gobank account using debit card. So deposit online using debit card is still working.
May 19, 2013, 9:20 pm
#160
Join Date: Feb 2006
Programs: Krisflyer, Asia Miles, Miles and Bonus
Posts: 251
May 20, 2013, 7:52 am
#161
Join Date: Feb 2010
Programs: UA, CO, Delta, AA, BA, Hilton, Starwood, Marriott
Posts: 211
No, I deposited 5*$200 last month. it was over 30 days since my last debit deposit, so I deposited $200 yesterday. The option is still available for me.
May 21, 2013, 10:09 pm
#163
Join Date: May 2012
Location: New England
Programs: DL PM, HH Gold, the rest come and go
Posts: 313
What can I say, imitation is the sincerest form of flattery.
http://freequentflyerbook.com/?tag=gobank
http://freequentflyerbook.com/?tag=gobank
May 21, 2013, 10:42 pm
#164
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
It's one thing to repost info from other sources. But it's crossing the line when he's passing it as his own.
May 22, 2013, 7:22 pm
#165
Join Date: Mar 2013
Posts: 274
Returned Payments
I would watch out with ACH pulls. I've had GoBank return several w/ no explanation why and my bank charges $25 for each one.