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
Sep 24, 2014, 11:05 am
#1966
Join Date: May 2013
Programs: DL PLT, AS 75k, AA Exec Plat
Posts: 391
This article is just about GoBank. There's nothing new here, and all this panic about directly competing products being introduced is silly as GoBank and BlueBird have coexisted for nearly a year and a half...will be asking mods to clarify and merge this into the existing GoBank thread.
Sep 29, 2014, 8:25 am
#1967
Join Date: May 2014
Posts: 201
Finally saw some GoBank starter kit packs at my local Walmart. They look like all the other reloadable card packs except have some kind of animal on the front (wasn't paying too close attention). $2.95 activation I believe.
Hate that $8.95 monthly fee though.
Hate that $8.95 monthly fee though.
Sep 29, 2014, 12:48 pm
#1968
Join Date: Sep 2014
Location: San Francisco
Programs: United
Posts: 62
Waived with a $500 direct deposit per month.
Sep 29, 2014, 5:29 pm
#1969
Join Date: Sep 2014
Posts: 1
The million dollar question (or should I say $8.95/month question?) is: Will an ACH transfer from your bank account or Paypal count as a Direct Deposit?
I just linked my paypal to my new GoBank (that I bought at a local Walmart) and transferred >$500 so we will see. Anyone else have any luck or have a million dollar answer?
I just linked my paypal to my new GoBank (that I bought at a local Walmart) and transferred >$500 so we will see. Anyone else have any luck or have a million dollar answer?
Sep 29, 2014, 6:07 pm
#1970
Join Date: Jul 2012
Location: Heaven
Posts: 552
The million dollar question (or should I say $8.95/month question?) is: Will an ACH transfer from your bank account or Paypal count as a Direct Deposit?
I just linked my paypal to my new GoBank (that I bought at a local Walmart) and transferred >$500 so we will see. Anyone else have any luck or have a million dollar answer?
I just linked my paypal to my new GoBank (that I bought at a local Walmart) and transferred >$500 so we will see. Anyone else have any luck or have a million dollar answer?
As for your question, it most likely would be Direct Deposit (atlas that's how it works for Serve)
Sep 30, 2014, 7:46 am
#1971
Join Date: May 2014
Posts: 201
The million dollar question (or should I say $8.95/month question?) is: Will an ACH transfer from your bank account or Paypal count as a Direct Deposit?
I just linked my paypal to my new GoBank (that I bought at a local Walmart) and transferred >$500 so we will see. Anyone else have any luck or have a million dollar answer?
I just linked my paypal to my new GoBank (that I bought at a local Walmart) and transferred >$500 so we will see. Anyone else have any luck or have a million dollar answer?
Oct 18, 2014, 11:46 pm
#1972
Join Date: Jul 2014
Location: Indianapolis, IN
Posts: 8
Deleted
Last edited by JimJamBonks; Oct 20, 2014 at 9:04 pm
Oct 28, 2014, 11:20 am
#1973
Join Date: Jul 2014
Posts: 3,688
found the answer
Last edited by Mamibear; Dec 15, 2014 at 4:58 pm
Nov 2, 2014, 8:21 pm
#1974
Join Date: Nov 2014
Programs: AA, SPG, HH, Delta, SW
Posts: 17
Just adding a data point I guess. I'm obviously not trying to go big on this one, just trying to stay alive and supplement other avenues.
Nov 2, 2014, 8:24 pm
#1975
Join Date: Nov 2014
Programs: AA, SPG, HH, Delta, SW
Posts: 17
Does anyone have any insight as to whether billpay or ACH pull is better for staying alive on this thing?
Its all guesswork to a certain extant, but hopefully it'll be worth it to develop a database of what in the world are the best practices with this thing
Its all guesswork to a certain extant, but hopefully it'll be worth it to develop a database of what in the world are the best practices with this thing
Nov 3, 2014, 5:42 am
#1976
Join Date: Jul 2014
Posts: 3,688
IME managing a number of reloadable cards, moderation is the key to go under radar to stay in the game for months/years w/o getting shutdown. I've done B/P, ACH, P2P, etc to show various activity in my account w/o calling attention to just one form of spending. Spreading loads to different cards and using different CCs has worked for me.
Nov 4, 2014, 7:37 pm
#1977
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,456
IME managing a number of reloadable cards, moderation is the key to go under radar to stay in the game for months/years w/o getting shutdown. I've done B/P, ACH, P2P, etc to show various activity in my account w/o calling attention to just one form of spending. Spreading loads to different cards and using different CCs has worked for me.
Nov 8, 2014, 9:08 am
#1978
Join Date: Jan 2013
Posts: 340
Anyone use bill pay recently? I always got:
We apologize, but we're currently experiencing technical difficulties. Please try again later.
We apologize, but we're currently experiencing technical difficulties. Please try again later.
Nov 8, 2014, 2:31 pm
#1979
Join Date: Mar 2013
Location: PHL based
Programs: USAir, UA, AA, BA, Hyatt, HHonors, SPG, Marriott, IHG
Posts: 356