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 23, 2014, 7:32 am
#1831
Join Date: Apr 2014
Posts: 2
Typically, 3x$500 every Sat, bill-pay $1500 out on Sunday (usually in 1 payment.)
Lately, I've been cutting down to bill-pay $3000 every other week, which may be a factor in getting flagged (loading with money already in the account.) I'll go back to my previous behavior, with a coffee purchase or 2 per week thrown in, I suppose.
Lately, I've been cutting down to bill-pay $3000 every other week, which may be a factor in getting flagged (loading with money already in the account.) I'll go back to my previous behavior, with a coffee purchase or 2 per week thrown in, I suppose.
May 23, 2014, 2:18 pm
#1832
Join Date: Jan 2014
Posts: 141
Does anyone get the problem when paying a bill online recently? After I clicked the "CONFIRM" button, a small message saying "We apologize, but we're currently experiencing technical difficulties" appeared.
I can still buy goods, load via Walmart ATM, jut unable to billpay.
I contacted Gobank but they just suggested me to send a screenshot, using laptop (I did) and clear all cache, cookie stuffs. Anyone has idea?
I can still buy goods, load via Walmart ATM, jut unable to billpay.
I contacted Gobank but they just suggested me to send a screenshot, using laptop (I did) and clear all cache, cookie stuffs. Anyone has idea?
May 23, 2014, 2:23 pm
#1833
Join Date: Jul 2013
Posts: 121
the workaround to this billpay error is to just move the date to pay out a few days from the default. The billpay will take if you do this.
May 26, 2014, 7:13 pm
#1834
Join Date: Feb 2012
Posts: 396
I purchased a Green Dot gold card and registered it last week. Upon activating the personalized card I was informed "Based on a review of your account activity, a decision has been made to close your account."
I have no account activity other than the initial purchase. Any precedent for this?
I have no account activity other than the initial purchase. Any precedent for this?
May 26, 2014, 7:56 pm
#1836
Join Date: Sep 2012
Location: IAD/DCA
Programs: Bunch of mid-tiers
Posts: 1,034
I purchased a Green Dot gold card and registered it last week. Upon activating the personalized card I was informed "Based on a review of your account activity, a decision has been made to close your account."
I have no account activity other than the initial purchase. Any precedent for this?
I have no account activity other than the initial purchase. Any precedent for this?
May 27, 2014, 10:26 am
#1837
Join Date: Jul 2013
Location: Raiegh, NC
Posts: 300
Why do people bother with this card? It seems like so much of a hassle.
Last edited by CrediPig; May 29, 2014 at 8:50 am
May 27, 2014, 9:35 pm
#1839
Join Date: Feb 2012
Posts: 396
Guess I'll call the executive offices to see what they say.
May 28, 2014, 8:32 pm
#1840
Join Date: May 2011
Location: CT
Programs: HHonors Silver
Posts: 429
After logging in to gobank.com click deposit>deposit cash>enter money pak pin. This looks like it only works for the first load which is fine by me cause once I have my card I will be loading with gift cards at walmart for no fee.
I did get my initial load fee credited
05/24 FRI
ONLINE PMT-CHASE
-$750.00
05/24 FRI
MONEYPAK DEPOSIT CREDIT
+$4.64
05/24 FRI
MONEYPAK LOADED
+$990.00
I did get my initial load fee credited
05/24 FRI
ONLINE PMT-CHASE
-$750.00
05/24 FRI
MONEYPAK DEPOSIT CREDIT
+$4.64
05/24 FRI
MONEYPAK LOADED
+$990.00
May 28, 2014, 11:06 pm
#1841
Join Date: Jan 2013
Location: LAX, SNA
Posts: 359
I put 6K each month(about 1k to 1.5k each time) for the past 12 months and never got any warning. I never purchased anything and kept about 3k to 4k balance half of the time - I always forgot to billpay after I deposit the VGCs. I think I am still alive because I paid 6 buck per month. To me, 6 buck is cost less than 1 $500 VGC worth.
May 29, 2014, 1:55 pm
#1842
Join Date: Feb 2012
Posts: 396
So far the only information that has been provided about why the card was disabled is "unusual activation activity." They claimed an explanation of what was unusual would be exposing a trade secret company policy.
Jun 1, 2014, 2:21 pm
#1843
Suspended
Join Date: Mar 2013
Posts: 465
about 8k in 2 weeks, all ach pull and got shut down. Called and was able to get them to give me a warning instead. They denied my last ach so now gonna get hit with fees on receiving end... lovely.
Jun 5, 2014, 2:00 pm
#1844
Suspended
Join Date: Mar 2013
Posts: 465
bp hasnt been working since yesterday. I just got my warning and dont think im shut down yet, maybe a glitch.