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 5, 2015, 9:14 pm
#2041
Join Date: Aug 2014
Location: Dallas
Programs: AA, Southwest
Posts: 175
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 6, 2015, 6:44 am
#2042
Join Date: Feb 2015
Posts: 97
probably it is the CSM rept issue.
I just loaded 2.5K in my gobank account through Kate one week ago. No issue at all.
I just loaded 2.5K in my gobank account through Kate one week ago. No issue at all.
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 11, 2015, 12:40 pm
#2043
Join Date: Feb 2015
Posts: 76
Hi, can I use ACH from Ally to Gobank to avoid the monthly fee? Thanks!
Aug 12, 2015, 6:48 am
#2044
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,938
For the better part of this year I have done $500 ACH from checking and it has qualified as the dd, thus waiving the fee. My only advice is initiate the ACH early enough because it takes long time to post.
Sep 19, 2015, 4:50 pm
#2046
Join Date: Jun 2011
Posts: 692
Anyone having problems logging in to GoBank's website? It says "we are experiencing technical difficulties" when I try logging in.
Sep 19, 2015, 5:27 pm
#2048
Join Date: Jun 2011
Posts: 692
How do I know if they closed my account? I never received any communication from them stating they closed it. I've had my account since 2013.
Sep 19, 2015, 10:13 pm
#2050
Join Date: Jun 2011
Posts: 692
Tried calling but it seems like they have no option to talk to a live person.
Sep 19, 2015, 10:45 pm
#2051
Join Date: Jun 2011
Posts: 692
I just noticed my debit card expired in 05/15 and they never sent me a new one. Could that be reason you think? I emailed them.
Sep 28, 2015, 7:15 pm
#2052
Join Date: Feb 2015
Posts: 76
Try to load Gobank card both at Kate and CS at Walmart, not working with the Metabank VGC. Maybe the serve's problem.
Oct 15, 2015, 9:47 am
#2053
Join Date: Sep 2012
Posts: 4,431
I've had my GB for years now, and it's been inactive most of that time. I just checked my account, I've got $5 in there, and I haven't been charged any monthly fees. Did I get grandfathered to a no-fee card? Will it stay like this for as long as I have it?
Oct 15, 2015, 12:10 pm
#2054
Join Date: May 2014
Posts: 191
When I signed up for the card last year, I got to decide how much I wanted to pay for the monthly fee. I went with $1 and it has been like that ever since. So I would guess yours stays as a no-fee card as well.
Oct 15, 2015, 12:18 pm
#2055
Join Date: Sep 2012
Posts: 4,431
Does a GB have any advantages at all over a Serve/BB? Back when WM accepted Vanilla, I got the GB thinking I would scale up, but now that Vanilla is no longer accepted and I acquired more RB (soon to be converted to Serve), I won't do that much MS. Any reason to use the GB if I'll have more than enough limit on my Serves?