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 21, 2015, 4:34 pm
#2027
Join Date: Apr 2015
Posts: 41
When does gobank charge monthly fee: last day of month, or does it vary by statement date per customer, or something else?
May 23, 2015, 10:08 pm
#2028
Join Date: Feb 2015
Posts: 97
Wiki is misleading. My gobank balance are over 2k most of time for the past 12 months because I always forgot to billpay it. Currently my account is 4.7k yesterday and I load 2.5k this morning so now my balance is over 7K.
My wife's gobank are over 2K most of the time also.
My wife's gobank are over 2K most of the time also.
May 23, 2015, 10:24 pm
#2029
Join Date: Dec 2014
Posts: 102
The Wiki doesn't have much information.
How does one join in on this method? Every store that sells GoBank refuses credit card for them. Am I supposed to buy one with cash/debit card and then reload it via credit card? Is it the MoneyPak/Vanilla Reload Cards? I'm fairly certain those are difficult to use credit card for, too. Am I missing something or are you guys just in more MS-friendly states?
How does one join in on this method? Every store that sells GoBank refuses credit card for them. Am I supposed to buy one with cash/debit card and then reload it via credit card? Is it the MoneyPak/Vanilla Reload Cards? I'm fairly certain those are difficult to use credit card for, too. Am I missing something or are you guys just in more MS-friendly states?
May 23, 2015, 10:26 pm
#2030
Join Date: May 2013
Posts: 1,153
I think reload it with "debit" bought by a CC....the same as Serve/BB/RB. But, I got shutdown long ago...maybe things changed.
May 23, 2015, 11:46 pm
#2031
Join Date: May 2014
Posts: 191
Wiki is misleading. My gobank balance are over 2k most of time for the past 12 months because I always forgot to billpay it. Currently my account is 4.7k yesterday and I load 2.5k this morning so now my balance is over 7K.
My wife's gobank are over 2K most of the time also.
My wife's gobank are over 2K most of the time also.
Also GoBank updated their terms and now explicitly states the monthly limit is 3k. I believe most (if not all) of the shutdown accounts were well above it.
Last edited by usalibido; May 23, 2015 at 11:47 pm Reason: Typo
May 24, 2015, 11:57 am
#2032
Join Date: Jan 2006
Location: PHX
Programs: AA, SPG, UR
Posts: 329
If I remember correctly, it happened to me twice that daily limit might be 2500. I got the little receipt twice that says card limit reached. I don't see how someone loaded 3K in two sessions. May be because I have these newer lower limit cards.
Jun 10, 2015, 9:03 am
#2033
Join Date: Jan 2014
Posts: 148
same question i asked on the paypal thread: is it possible to keep buying the temporary 1-time cards and load them to my greendot account? i have an opportunity to buy the 1-time cards but the location doesn't do reloads.
Jun 15, 2015, 11:10 am
#2034
Join Date: Oct 2012
Posts: 30
Paper check writing capabilities should be available to all accounts early July (and some select accounts were supposed enabled in May).
Jul 4, 2015, 2:02 pm
#2035
Join Date: Feb 2007
Posts: 647
My group here who does manufactured spending all were shut down this week - never went over 3k a month but no biggie..
Jul 4, 2015, 6:31 pm
#2036
Join Date: Sep 2012
Location: IAD/DCA
Programs: Bunch of mid-tiers
Posts: 1,034
Jul 10, 2015, 2:00 pm
#2037
Join Date: Oct 2002
Posts: 255
what is the real deposit limit for 30 day period? I found it is actually more than $3000
Aug 5, 2015, 8:50 pm
#2039
Join Date: Jul 2013
Posts: 18
I still have an open card but haven't loaded in awhile (6 mths+) due to Redbird and disinterest of WM. Recently, I tried unloading a $500 VGC from charlie victor sierra at WM with CSM that recalled me from BB, thankfully, and knew how to load. To my surprise he was unable to do so. CSM mentioned the system changed about 6 months ago. I didn't even get the chance to select debit or pin before having invalid payment type error. What's changed, new GC type needed?
Aug 5, 2015, 9:08 pm
#2040
Join Date: Sep 2014
Posts: 1,837
I still have an open card but haven't loaded in awhile (6 mths+) due to Redbird and disinterest of WM. Recently, I tried unloading a $500 VGC from charlie victor sierra at WM with CSM that recalled me from BB, thankfully, and knew how to load. To my surprise he was unable to do so. CSM mentioned the system changed about 6 months ago. I didn't even get the chance to select debit or pin before having invalid payment type error. What's changed, new GC type needed?