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
Aug 15, 2014, 10:34 am
#1936
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
I have been loading and unloading about 3k per month (pretty much all via bill pay except for a sprinkling of small swipes). About a month and a half ago, I started having a problem using the bill pay function on my account. The system would always say "technical difficulties." From the advice of someone on these forums, I had a workaround where I would just schedule the payment at least 1 day out. But now that doesn't work. I tried even scheduling 3 days out but I still get the "technical difficulties" error message. I have always done some small debit swipes mixed in. Oh, and I loaded it with 2 credit card loads at Rite Aid recently (just changed from Walmart loads to this type of load).
Aug 17, 2014, 7:25 pm
#1937
Join Date: Jul 2014
Location: Santa Barbara, CA
Posts: 41
Is there somewhere non-standard they may show up at in RA? I've checked the GC areas three times and even asked employees - nobody has even /heard/ of this product. Am I just outta' luck/need to range farther, or is there somewhere else I should search?
Aug 18, 2014, 9:51 am
#1938
Join Date: Aug 2013
Posts: 240
Yes. Just hand it to the cashier. Some Rite Aids may not know what they are doing or be able to (some of them claim that they can't do in this store but not sure if that's true).
Aug 31, 2014, 8:14 pm
#1939
Join Date: Jun 2014
Programs: Delta, Hilton Honors, SPG, Marriott, Hyatt
Posts: 672
This is weird. I picked up the "free info pack" from Rite Aid and it said to go to GoBank.com/Reward but when i go there, this same page tells me to go to GoBank.com/Reward.....Doesn't make any sense. I keep getting redirected to the mobile site.
Aug 31, 2014, 8:26 pm
#1940
Join Date: Aug 2013
Posts: 240
why don't you just ask the cashier to load it?
Aug 31, 2014, 9:07 pm
#1941
Join Date: Jun 2014
Programs: Delta, Hilton Honors, SPG, Marriott, Hyatt
Posts: 672
The free info pack didn't have a card in it...I don't understand where i'm supposed to get the actually start kit from. The cashier didn't have a clue. She said she doesn't know about a starter and that it's just the "free info packet" that she knows of. Why have a free info packet but no start kit? Doesn't make sense.
Aug 31, 2014, 9:15 pm
#1942
Join Date: Jun 2014
Programs: Delta, Hilton Honors, SPG, Marriott, Hyatt
Posts: 672
Does anyone happen to know what the starter kit looks like? or what the card in the starter kit looks like, please?
Sep 2, 2014, 1:47 pm
#1943
Join Date: Jan 2014
Posts: 141
How many payee you can add in Gobank? I already added 3. Now I wanna add "Discover Card" as another payee to bill pay my Discover IT card, but always resulting in time out when confirming. Any thoughts? Thanks!
Sep 2, 2014, 2:22 pm
#1944
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356
I've got > 4 for sure (prob around 8?). Website seems glitchy at times, may want to try again later to see if performance improves...
Sep 14, 2014, 9:16 pm
#1945
Join Date: Dec 2013
Posts: 142
Does anyone know when GoBank started to enforce $3000 deposit per month? Is it rolling or calendar?
Sep 14, 2014, 9:21 pm
#1946
Join Date: Dec 2013
Posts: 142
Effective after 8/14, $3k load per rolling 30 days, max $2.5k per day.
http://travelwithgrant.com/wp-conten...ail-Update.png
http://travelwithgrant.com/wp-conten...ail-Update.png
Sep 15, 2014, 12:16 pm
#1947
Join Date: May 2014
Posts: 191
I would be very careful because definitely they can use that term against you. As always, being a little conservative right now might do you good in the long run.
Sep 15, 2014, 12:23 pm
#1948
Join Date: Dec 2012
Posts: 215
They should be called Nobank.
They have been working on "bells and whistles" now for over 2 months.
They have been working on "bells and whistles" now for over 2 months.
Sep 16, 2014, 2:38 pm
#1949
Join Date: May 2014
Posts: 191
Anyone knows if we can use bill pay to pay somebody else's credit card using GoBank? Thanks!