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
Jul 23, 2014, 10:59 am
#1906
Join Date: Jan 2014
Posts: 114
Just received an email from GoBank:
Hi GoBanker,
We wanted to let you know about a few changes we've made to the GoBank Deposit Account Agreement. Read below for a quick summary.
The following new limits will take effect after August 14, 2014.
In store cash deposits are now limited to up to $3,000 per rolling 30 days.
When using the Send Money feature, you're now limited to receiving up to $2,000 per day and up to $5,000 per rolling 30 days.
When using the Pay feature, you're now limited to sending payments of up to $5,000 per day and $5,000 per transaction.
Bonus
We're getting rid of the $1.00 Out-of-Network ATM Balance Inquiry Fee (Yay!)
We wanted to let you know about a few changes we've made to the GoBank Deposit Account Agreement. Read below for a quick summary.
The following new limits will take effect after August 14, 2014.
In store cash deposits are now limited to up to $3,000 per rolling 30 days.
When using the Send Money feature, you're now limited to receiving up to $2,000 per day and up to $5,000 per rolling 30 days.
When using the Pay feature, you're now limited to sending payments of up to $5,000 per day and $5,000 per transaction.
Bonus
We're getting rid of the $1.00 Out-of-Network ATM Balance Inquiry Fee (Yay!)
Jul 23, 2014, 11:19 am
#1907
Join Date: Jun 2014
Posts: 7
Got that same email this morning
Check the new legal disclaimer and it sounds like the new limits are $2.5K/day (same as before), and $3K for 30 days rolling. "Cash" refers to actual cash deposits or cash via debit.
Gotta keep diversifying
Gotta keep diversifying
Jul 23, 2014, 1:05 pm
#1908
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356
Anyone have any idea where to pick up a temp debit card? Appears you can no longer sign up online... https://m.gobank.com/signup/activation
HOW TO GET STARTED
Right now, GoBank starter kits are only available at a few stores. Follow us on Twitter and Facebook for updates on how to get one
Jul 23, 2014, 1:29 pm
#1909
Join Date: Oct 2011
Location: BOS
Posts: 588
I think I've seen them at RiteAid.
Jul 23, 2014, 1:32 pm
#1910
Join Date: May 2013
Posts: 69
I got the email in my inbox as well....
At least we finally know what rules they want us to play by. I'm wondering if I can just load/unload $3k every 30 days and get rid of the transaction in between.
knowing green dot, i'm guessing not.
At least we finally know what rules they want us to play by. I'm wondering if I can just load/unload $3k every 30 days and get rid of the transaction in between.
knowing green dot, i'm guessing not.
Jul 23, 2014, 1:51 pm
#1911
Join Date: Feb 2013
Location: PHL, maybe EWR
Programs: Plat IHG, Marriott Rewards Silver, CSP, Ink Bold, USDM, *Wood Gold, AA, Club Carl
Posts: 285
Yes. I've seen them at my RAs in South Jersey @ the registers as I recall.
Jul 23, 2014, 2:02 pm
#1912
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356
Jul 23, 2014, 2:37 pm
#1913
Join Date: Jun 2005
Posts: 36
Worth noting is the new fee structure as well. $8.95/month unless you do at least $500 in direct deposit for new signups today forward. Old cards will keep the previous terms.
Jul 25, 2014, 1:48 pm
#1915
Join Date: Aug 2013
Posts: 142
Had my account of 1 year flagged for excessive swipe load/bill pay. Never gone over 5k/statement cycle. Most recent loading activity as follows;
07/22
TUE
ONLINE PMT BillPay -$2,000.00
07/22
TUE
ONLINE PMT BillPay -$1,600.00
07/22
TUE
ONLINE PMT BillPay -$386.90
07/22
TUE
ONLINE PMT BillPay -$13.10
07/22
TUE
RELOAD SWIPE Deposit +$500.00
07/22
TUE
RELOAD SWIPE Deposit +$500.00
07/22
TUE
RELOAD SWIPE Deposit +$500.00
07/21
MON
RELOAD SWIPE Deposit +$700.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/17
THU
RELOAD SWIPE Deposit +$400.00
07/14
MON
ONLINE PMT BillPay -$1,000.00
07/14
MON
ONLINE PMT BillPay -$500.00
07/14
MON
Monthly Membership Fee Fee +$0.00
Was advised that I could make a whole lot less trips to Walmart if I set up direct deposit, and I said that would be great!
Account was re-activated.
Any advise on velocity going forward?
07/22
TUE
ONLINE PMT BillPay -$2,000.00
07/22
TUE
ONLINE PMT BillPay -$1,600.00
07/22
TUE
ONLINE PMT BillPay -$386.90
07/22
TUE
ONLINE PMT BillPay -$13.10
07/22
TUE
RELOAD SWIPE Deposit +$500.00
07/22
TUE
RELOAD SWIPE Deposit +$500.00
07/22
TUE
RELOAD SWIPE Deposit +$500.00
07/21
MON
RELOAD SWIPE Deposit +$700.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/21
MON
RELOAD SWIPE Deposit +$200.00
07/17
THU
RELOAD SWIPE Deposit +$400.00
07/14
MON
ONLINE PMT BillPay -$1,000.00
07/14
MON
ONLINE PMT BillPay -$500.00
07/14
MON
Monthly Membership Fee Fee +$0.00
Was advised that I could make a whole lot less trips to Walmart if I set up direct deposit, and I said that would be great!
Account was re-activated.
Any advise on velocity going forward?
Jul 25, 2014, 2:44 pm
#1916
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
I've had 4 of these for a year or close to a year for all 4. Only one of those was ever flagged - and it was an account I actually never went over the 5k limit a month on (a few others I'd gone over by a couple hundred give or take) and it was immediately after I had done ~9 swipes in one day. I'd loaded $2.5k in a single day in 5 swipes multiple times a month on all of the cards many times and never been flagged. So I suspect that there's a threshold for number of swipes in a day that will set off alarms (in addition to aggregate volume in a month).
Jul 26, 2014, 1:32 am
#1917
Join Date: Aug 2013
Posts: 142
I've had 4 of these for a year or close to a year for all 4. Only one of those was ever flagged - and it was an account I actually never went over the 5k limit a month on (a few others I'd gone over by a couple hundred give or take) and it was immediately after I had done ~9 swipes in one day. I'd loaded $2.5k in a single day in 5 swipes multiple times a month on all of the cards many times and never been flagged. So I suspect that there's a threshold for number of swipes in a day that will set off alarms (in addition to aggregate volume in a month).
Jul 26, 2014, 10:11 am
#1918
Join Date: May 2011
Location: CT
Programs: HHonors Silver
Posts: 429
I just did a swipe reload at RA today. The transaction went through, but money is not in my account. I just opened a case with GB.
The cashier scanned the barcode at the back of the GB card, and then input the amount, and I swiped my CC. The receipt shows "1 GD EVERYDAY VISA DISPLAY" for $500, no 4.95$ fee.
Any one had similar experience?
The cashier scanned the barcode at the back of the GB card, and then input the amount, and I swiped my CC. The receipt shows "1 GD EVERYDAY VISA DISPLAY" for $500, no 4.95$ fee.
Any one had similar experience?
Jul 26, 2014, 3:22 pm
#1919
Join Date: Jul 2009
Posts: 721
That's not how it's done in SoCal, have you done it before successfully?
Should be...
- cashier enters some code
- your signature pad changes to look like a big numeric entry pad
- instead you swipe your GB or equiv. (HRB in my case)
- cashier enters your requested load amount
- pad changes back to normal I recall
- pay like normal
Should be...
- cashier enters some code
- your signature pad changes to look like a big numeric entry pad
- instead you swipe your GB or equiv. (HRB in my case)
- cashier enters your requested load amount
- pad changes back to normal I recall
- pay like normal