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
Jun 24, 2013, 5:10 pm
#631
Join Date: Feb 2012
Location: MSP
Posts: 376
So we all know that BB is capped at 5k a month. What are you guys loading to GB every month?
Jun 24, 2013, 5:44 pm
#632
Join Date: Jul 2010
Posts: 163
Just made my $50 initial deposit. While I'm waiting for the card to arrive, I have a question I don't recall being addressed in this thread:
When GoBank says they have X number of free ATMs, do they mean
1) GoBank doesn't charge to use those ATMs, but the owner of the ATM might impose a fee? or
2) Neither GoBank nor the owner of the ATM imposes a fee. The withdrawal is completely free with the GoBank card.
Thanks.
When GoBank says they have X number of free ATMs, do they mean
1) GoBank doesn't charge to use those ATMs, but the owner of the ATM might impose a fee? or
2) Neither GoBank nor the owner of the ATM imposes a fee. The withdrawal is completely free with the GoBank card.
Thanks.
Jun 24, 2013, 5:48 pm
#634
Join Date: May 2013
Posts: 1,153
When GoBank says they have X number of free ATMs, do they mean
1) GoBank doesn't charge to use those ATMs, but the owner of the ATM might impose a fee? or
2) Neither GoBank nor the owner of the ATM imposes a fee. The withdrawal is completely free with the GoBank card.
1) GoBank doesn't charge to use those ATMs, but the owner of the ATM might impose a fee? or
2) Neither GoBank nor the owner of the ATM imposes a fee. The withdrawal is completely free with the GoBank card.
Jun 24, 2013, 5:50 pm
#635
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
Just made my $50 initial deposit. While I'm waiting for the card to arrive, I have a question I don't recall being addressed in this thread:
When GoBank says they have X number of free ATMs, do they mean
1) GoBank doesn't charge to use those ATMs, but the owner of the ATM might impose a fee? or
2) Neither GoBank nor the owner of the ATM imposes a fee. The withdrawal is completely free with the GoBank card.
Thanks.
When GoBank says they have X number of free ATMs, do they mean
1) GoBank doesn't charge to use those ATMs, but the owner of the ATM might impose a fee? or
2) Neither GoBank nor the owner of the ATM imposes a fee. The withdrawal is completely free with the GoBank card.
Thanks.
Jun 24, 2013, 5:55 pm
#637
Join Date: May 2013
Posts: 1,153
I'm so confused with conversations now (maybe I should just shut up since I don't use MPs). So, for the initial deposit, you can use a MP on the GB site and directly inject into an account or you have to have a debit card to do this or MP.com allows injection without the debit card? Sorry, it's been a while since I got the account...my memory is hazy on some areas.
Jun 24, 2013, 8:20 pm
#638
Join Date: Nov 2009
Location: SDF
Programs: UA, HH
Posts: 692
I'm so confused with conversations now (maybe I should just shut up since I don't use MPs). So, for the initial deposit, you can use a MP on the GB site and directly inject into an account or you have to have a debit card to do this or MP.com allows injection without the debit card? Sorry, it's been a while since I got the account...my memory is hazy on some areas.
Jun 24, 2013, 9:16 pm
#640
Join Date: May 2013
Posts: 76
Wish I had done a search earlier. Go Bank just rejected an ACH pull from C1 for a CC payment. Took 4 days to post back.
Jun 24, 2013, 10:48 pm
#641
Join Date: May 2013
Posts: 1,153
Thank you, Artemk. pier11 & guoguo914 (just realized you may not be using MP but just GCs), would these help?
That's too bad. I have a minor bank CC card, no problem. Others reported success on other CCs.
That's too bad. I have a minor bank CC card, no problem. Others reported success on other CCs.
Last edited by vagrants; Jun 24, 2013 at 10:55 pm
Jun 25, 2013, 1:42 am
#642
Join Date: Sep 2012
Location: IAD/DCA
Programs: Bunch of mid-tiers
Posts: 1,034
The iPhone app just updated.
It now has in the description that you can open an account through the app - no need to wait for an invitation. I can't test this since I already have an account, but it might be worth a shot if you are waiting.
It now has in the description that you can open an account through the app - no need to wait for an invitation. I can't test this since I already have an account, but it might be worth a shot if you are waiting.
Jun 25, 2013, 4:38 am
#643
Join Date: Dec 2012
Location: JFK
Programs: *$ Gold :)
Posts: 1,061
Jun 25, 2013, 8:14 am
#644
Join Date: Feb 2011
Programs: DL DM Hub Captive, Marriott Plat, Hilton Diamond, PC Plat, and other stuff.
Posts: 904
Jun 25, 2013, 9:32 am
#645
Join Date: Sep 2007
Location: Chicago
Programs: AA, BA, CX, DL, EK, F9, GA, HA, IB, JL, KE, LH, MH, NH, OS, PG, QR, RJ, SA, TG, UA, VN, WN, ZH
Posts: 927
No need, it's out of beta and is available for everybody to signup.