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
Dec 20, 2013, 8:31 am
#1711
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
Ok Daddy wants more points and miles. I have had my GOBANK card since May, I have loaded it with money from my debit chase card. So I have read most of this thread, and I have a good grap of this card. So basically just like BB, you can load Visa Debit Cards on to this card at WM and the Kiosk, is this correct? Any advice on starting out with this card?
Dec 20, 2013, 9:08 am
#1712
Join Date: Sep 2012
Location: IAD/DCA
Programs: Bunch of mid-tiers
Posts: 1,034
I normally load $3-4k per month, almost always in $500 or $200 GC's at Walmart. I swipe it a couple of times a month, usually on a sandwich or something small. I usually bill pay out within 24-72 hours of loading.
I don't go out of my way to deal with Gobank, just one more thing that can be accomplished on a trip to Walmart.
The other benefit I've noticed is that while Walmart cashiers can be "protective" about Bluebird activity, they don't seem to care what you do with Gobank.
I don't go out of my way to deal with Gobank, just one more thing that can be accomplished on a trip to Walmart.
The other benefit I've noticed is that while Walmart cashiers can be "protective" about Bluebird activity, they don't seem to care what you do with Gobank.
Dec 20, 2013, 9:31 am
#1713
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Yeah - they shut people down at the blink of an eye, so don't tie up any more money at one time than you can afford to be without for a while. or...unload immediately after loading. Which will, of course, get you shut down. 
That's why I don't bother with them any more.
That's why I don't bother with them any more.
Dec 20, 2013, 10:23 pm
#1714
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,463
, How much are you loading on to it (Gobank)
Dec 27, 2013, 1:44 am
#1715
Join Date: Mar 2012
Location: Miami BCH., FLorida
Programs: AA:EXP, GLD:A.Argen., Etihad; Turk SIL:UA, VS; HOT.GLD:ClubC, Loews, SPG; PL:Ritz, Hil, IHG, BtW., R
Posts: 261
I got my GoBank Cliped today after (opened 12/5 closed 12/25-Merry Christmas). I did not think I would get so unlucky as I only did around 5K of spend with GC. But, oh well. That's the way it goes. I knew the risks and I didn't have much reason for it after this month (I am trying to get a large amount of spend on a Citi card before 12/31.) Guess I will have to do read spend rather than "manufactured spend." They are not a good company to deal with I would totally agree. They give limits and then gone't honor them.
Dec 27, 2013, 1:46 am
#1716
Join Date: Mar 2012
Location: Miami BCH., FLorida
Programs: AA:EXP, GLD:A.Argen., Etihad; Turk SIL:UA, VS; HOT.GLD:ClubC, Loews, SPG; PL:Ritz, Hil, IHG, BtW., R
Posts: 261
Advice: Hope they don't close your account. Don't go over 5K/mth. They seem to close accounts at various levels of spend (mine was closed today and opened 12/15 after 5.5K spend on VR). Good luck. They are creeps.
Dec 31, 2013, 8:33 am
#1717
Join Date: Aug 2013
Posts: 240
I have been unable to do a bill pay from the card yesterday and today. after I submit all of the bill pay information, it tells me that their system is having technical difficulties and that I should try again later. Anyone else having this problem?
Dec 31, 2013, 8:39 am
#1718
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
No, did two bill pays today without an issue via the mobile app.
Dec 31, 2013, 1:41 pm
#1719
Join Date: Feb 2013
Location: ORD
Posts: 57
Yes, the website is having "technical difficulties," however, the mobile app is working properly. Try that (got an sm from GB that the mobile app is working).
Jan 2, 2014, 8:27 pm
#1720
Join Date: Jul 2004
Location: White Plains, NY
Posts: 114
I don't know if this new or not but I can now add multiple account numbers for the same bill payee (e.g., American Express) on the web. No payment mailing address needed. There's still no way of adding a nickname though so I can only assume that the order they are listed in the "Pay To The Order Of" field is the same order as in the "Manage Existing Payees" page.
Jan 2, 2014, 8:55 pm
#1721
Join Date: Mar 2013
Posts: 274
Haven't used mine for several months. Just too much trouble for not enough benefit.
Jan 3, 2014, 1:31 am
#1722
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,463
what is the best way to load this card, Visa GC or Money Packs?
Jan 3, 2014, 8:47 am
#1723
Join Date: Sep 2012
Location: IAD/DCA
Programs: Bunch of mid-tiers
Posts: 1,034
Jan 9, 2014, 9:40 am
#1724
Join Date: Jan 2013
Posts: 44
Any new experiences on accounts closing? I have had my card since November 2013 and I have loaded about $10K on it since, always using GCs. I am using the card for just about everything, and have over 100 CC transactions since. I still have a large balance on it and plan to issue my first large CC payment using bill pay. I wonder if I should empty it with that payment, or whether I should leave some money on it and hope it remains open. Suggestions?
Jan 9, 2014, 2:48 pm
#1725
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871