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 29, 2013, 6:08 pm
#856
Join Date: Mar 2013
Posts: 809
Added my info to the Wiki. Why doesnt everyone do that, open or closed, it is still good info.
Jun 29, 2013, 6:14 pm
#857
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Jun 29, 2013, 6:16 pm
#858
Join Date: Apr 2013
Location: The Empire State
Programs: CO (RIP), US (RIP), Amtrak. Lots of CC programs.
Posts: 442
I just opened the accounts and am under $3k in loads per account for June (MPs in, BP out)
Last edited by cuebert; Jun 29, 2013 at 6:28 pm
Jun 29, 2013, 6:26 pm
#861
Jun 29, 2013, 6:34 pm
#862
Join Date: May 2013
Posts: 1,153
ACH pull then may be one of the trigger? (Can't remember who did what, sorry...I know some had problems setting up Barclay...) or something to do with how I used BillPay...
Jun 29, 2013, 6:46 pm
#864
Join Date: May 2013
Posts: 1,153
raghu455 (closed) May 2k 4 loads, june 7k all GCs. All BP to CC.
Let's hear it from you! ACH pull, etc., etc. How did your account get closed? $7k = 14 loads, yes? No, MoneyPak loads?
Let's hear it from you! ACH pull, etc., etc. How did your account get closed? $7k = 14 loads, yes? No, MoneyPak loads?
Last edited by vagrants; Jun 29, 2013 at 7:18 pm
Jun 29, 2013, 7:44 pm
#865
Join Date: May 2013
Posts: 1,153
How were your loading frequency? I did almost everyday or every other day 2x. Did you use multiple WMs to load? Kiosk only?
ACH isn't a part of the criteria apparently.
Oh, yes, when I was loading the GB w/ PrePaid, I encounter a problem. One of the PrePaid has a block on PIN transaction @ WM even @ a self-checkout. Only credit was allowed. I didn't know that, and I assumed PIN works everywhere. I got the error "DEBIT NOT AVAILABLE APPR. CODE = 51" @ the kiosk (still have the receipt, don't remember what the error was @ the register).
ACH isn't a part of the criteria apparently.
Oh, yes, when I was loading the GB w/ PrePaid, I encounter a problem. One of the PrePaid has a block on PIN transaction @ WM even @ a self-checkout. Only credit was allowed. I didn't know that, and I assumed PIN works everywhere. I got the error "DEBIT NOT AVAILABLE APPR. CODE = 51" @ the kiosk (still have the receipt, don't remember what the error was @ the register).
Last edited by vagrants; Jun 29, 2013 at 7:54 pm
Jun 29, 2013, 7:52 pm
#867
Join Date: May 2012
Posts: 150
I think people are getting shut down after statements close. If you ust started or are mid cycle, you're probably fine until at least after statement posts. Has anyone actually been shutdown before a statement closed? I made it past the first statement fine... Shutdown after 2nd statement closed.
Jun 29, 2013, 8:02 pm
#868
Join Date: Jun 2005
Location: Sweet Home Chicago
Programs: Hilton Gold, Marriott Gold
Posts: 646
Tomorrow I'll pick up a MO for $1,050 at WM to close out the account with these skeevy "people". I was going to leave a penny to annoy them, but I'd really like to just get away from them - I hope they forget they ever knew me. I genuinely believe they are just interested in screwing the poor and won't stand for someone taking advantage of them in the slightest manner.
Behind the folksy manner is an evil, evil company. And before you think I'm expressing sour grapes, I've got four other liquidation methods running right now so GB shutdown doesn't even dent the process. Their behavior towards us is a clear signal that they aim to take advantage of people. Repeat that early and often to everyone you know.
If you're on the fence about them, just contrast their behavior with Amex Bluebird.
Jun 29, 2013, 8:03 pm
#869
Join Date: Mar 2013
Posts: 809
I think people are getting shut down after statements close. If you ust started or are mid cycle, you're probably fine until at least after statement posts. Has anyone actually been shutdown before a statement closed? I made it past the first statement fine... Shutdown after 2nd statement closed.
Jun 29, 2013, 8:44 pm
#870
Join Date: May 2013
Location: Sacramento, CA
Posts: 374
I think people are getting shut down after statements close. If you ust started or are mid cycle, you're probably fine until at least after statement posts. Has anyone actually been shutdown before a statement closed? I made it past the first statement fine... Shutdown after 2nd statement closed.