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
Nov 13, 2013, 6:25 am
#1681
Suspended
Join Date: Sep 2012
Posts: 241
Been using this for 4 months, putting 2/2.5k each month and cashing out via billpay... no problems so far!
Nov 13, 2013, 7:21 am
#1683
Join Date: Mar 2007
Location: GA
Programs: SPG Gold
Posts: 186
been using for about 6 months... but amounts pretty low 2k or less per month. so far, so good... just doing billpay, nothing else.
Nov 13, 2013, 9:27 am
#1684
Join Date: Apr 2013
Posts: 120
i haven't been going very hard on MS lately and I only use GB after BB is full, but i'm still open. for the most part only bill pay. the last time i swiped was over 4 months ago. i guess it's nice to have a backup for now.
Nov 13, 2013, 2:57 pm
#1686
Join Date: Aug 2011
Location: SFO/SJC
Programs: MR,UR, UA, BA, AA, Hotels
Posts: 581
Even though there were reports of shutdowns for under $2k, maybe that is the new limit.
Nov 24, 2013, 3:23 pm
#1687
Join Date: Feb 2013
Posts: 1,818
delete
Last edited by SuperKirby; Nov 24, 2013 at 3:24 pm Reason: duplicate
Nov 24, 2013, 3:24 pm
#1688
Join Date: Feb 2013
Posts: 1,818
I was shutdown a lot faster than I expected with my "small loads".
Month 1 $1000 AP deposited. Month 2 - Two Square Cash loads ($540 and $940), and 1 Walmart reload ($430).
Just ACH Pulls for 2 separate payments to cash out. And done. There's no use arguing to open the account back up, right?
Month 1 $1000 AP deposited. Month 2 - Two Square Cash loads ($540 and $940), and 1 Walmart reload ($430).
Just ACH Pulls for 2 separate payments to cash out. And done. There's no use arguing to open the account back up, right?
Nov 24, 2013, 3:31 pm
#1689
Join Date: Aug 2011
Location: SFO/SJC
Programs: MR,UR, UA, BA, AA, Hotels
Posts: 581
I was shutdown a lot faster than I expected with my "small loads".
Month 1 $1000 AP deposited. Month 2 - Two Square Cash loads ($540 and $940), and 1 Walmart reload ($430).
Just ACH Pulls for 2 separate payments to cash out. And done. There's no use arguing to open the account back up, right?
Month 1 $1000 AP deposited. Month 2 - Two Square Cash loads ($540 and $940), and 1 Walmart reload ($430).
Just ACH Pulls for 2 separate payments to cash out. And done. There's no use arguing to open the account back up, right?
I think the issue with this card is that it is promoted as a competitor to BB (bank account for the unbanked) but in fact they only want you to use it as a prepaid credit card so they get lots of swipe fees.
Nov 24, 2013, 4:05 pm
#1690
Join Date: Feb 2013
Posts: 1,818
You can try, but I don't think there have been any reports of success with this.
I think the issue with this card is that it is promoted as a competitor to BB (bank account for the unbanked) but in fact they only want you to use it as a prepaid credit card so they get lots of swipe fees.
I think the issue with this card is that it is promoted as a competitor to BB (bank account for the unbanked) but in fact they only want you to use it as a prepaid credit card so they get lots of swipe fees.
Nov 25, 2013, 6:49 pm
#1691
Join Date: Mar 2013
Location: Indiana
Posts: 61
Shutdown finally. Had the card since May. Did 5-6k per month only loading 500 dollars max per day and immediate bill pay out. I did probably about 10 total swipes. I will agree with the others who've said to hit this hard until you get shutdown.
Nov 25, 2013, 8:07 pm
#1692
Join Date: Feb 2013
Posts: 1,818
I found out when I tried to sign-in onto the app and it says "your account has been closed...Please call our Member Care to access your account..."
When I sign on my laptop it just says "Please call our Member Care team at (888) 280-8260 to access your account."
I never got an email or anything else.
Is my account really closed? I'm confused now...
Nov 25, 2013, 8:37 pm
#1693
Join Date: Jan 2013
Location: LAX, SNA
Posts: 359
My account is still open since June and I've been loading about 5-6k per month. I'm sure they will get around to closing my account eventually.
Nov 25, 2013, 9:15 pm
#1694
Join Date: Nov 2005
Location: Anaheim Hills, CA
Programs: UA 1K, 1.3mm
Posts: 918
Nov 26, 2013, 7:24 am
#1695
Join Date: Mar 2013
Location: Indiana
Posts: 61
Did they email/call you or any type of notification?
I found out when I tried to sign-in onto the app and it says "your account has been closed...Please call our Member Care to access your account..."
When I sign on my laptop it just says "Please call our Member Care team at (888) 280-8260 to access your account."
I never got an email or anything else.
Is my account really closed? I'm confused now...
I found out when I tried to sign-in onto the app and it says "your account has been closed...Please call our Member Care to access your account..."
When I sign on my laptop it just says "Please call our Member Care team at (888) 280-8260 to access your account."
I never got an email or anything else.
Is my account really closed? I'm confused now...