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
Jul 14, 2013, 9:52 am
#1051
Join Date: Jan 2013
Posts: 96
Found out my acct. was closed yesterday when I went to load it, looks like I got shutdown pretty much the instant my month was up. Statement shows a 7/12 end date (Friday) and I was trying to load on 7/13 (Saturday).
15k in loads, all GC's, all unloaded with BP via the app. I was going to hold at 5k but decided to go whole hog once I read about the shutdowns at 4k and under.
Any update from the user in the wiki listed as still open that primarily used ACH pulls? I'm thinking of getting a card for my wife and trying to stay under the radar.
15k in loads, all GC's, all unloaded with BP via the app. I was going to hold at 5k but decided to go whole hog once I read about the shutdowns at 4k and under.
Any update from the user in the wiki listed as still open that primarily used ACH pulls? I'm thinking of getting a card for my wife and trying to stay under the radar.
Jul 14, 2013, 10:10 am
#1052
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,047
I don't know what I'm doing to stay under the radar, but my two accounts are still open.
I keep expecting a shutdown. I do some small swipes around town occasionally, but not much.
I keep expecting a shutdown. I do some small swipes around town occasionally, but not much.
Jul 14, 2013, 5:08 pm
#1053
Join Date: May 2013
Posts: 128
Thanks
Jul 14, 2013, 5:53 pm
#1054
Join Date: Feb 2012
Location: MSP
Posts: 376
I loaded 7.5k so far. ~20 days into my first statement cycle. Did three small purchases and unloaded all via BP.
I try to follow cashback's pattern, i.e., load and then billpay clean, load and then billpay clean. I never carry a balance over $1500.
I'll stop for now and wait to get my first statement to test the hypothesis. If I'm still alive then this hypothesis may be valid.
I try to follow cashback's pattern, i.e., load and then billpay clean, load and then billpay clean. I never carry a balance over $1500.
I'll stop for now and wait to get my first statement to test the hypothesis. If I'm still alive then this hypothesis may be valid.
Jul 14, 2013, 11:45 pm
#1055
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,047
Jul 15, 2013, 12:01 am
#1056
Join Date: Jun 2013
Posts: 293
Update 2: Wife's account now has the following message: "Please call our Member Care team at (888) 280-8260 to access your account." No new loads since July 3, and only one, small bill pay for about $200. Will have her call and try the just got the paycheck and the end of the month scenario.
Jul 15, 2013, 12:12 pm
#1058
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
GD is the scum of the Earth. They must really rip people off.
Jul 15, 2013, 6:26 pm
#1059
Join Date: May 2012
Location: New England
Programs: DL PM, HH Gold, the rest come and go
Posts: 313
Found out my acct. was closed yesterday when I went to load it, looks like I got shutdown pretty much the instant my month was up. Statement shows a 7/12 end date (Friday) and I was trying to load on 7/13 (Saturday).
15k in loads, all GC's, all unloaded with BP via the app. I was going to hold at 5k but decided to go whole hog once I read about the shutdowns at 4k and under.
Any update from the user in the wiki listed as still open that primarily used ACH pulls? I'm thinking of getting a card for my wife and trying to stay under the radar.
15k in loads, all GC's, all unloaded with BP via the app. I was going to hold at 5k but decided to go whole hog once I read about the shutdowns at 4k and under.
Any update from the user in the wiki listed as still open that primarily used ACH pulls? I'm thinking of getting a card for my wife and trying to stay under the radar.
Jul 16, 2013, 1:13 am
#1060
Join Date: May 2013
Programs: Hyatt Explorist, Hilton Diamond
Posts: 246
I just opened an account and I tried to be nice with GoBank by depositing a rebate check for $10 and it took atleast 10 attempts for me to make the mobile app accept the check photo.. Got a mail a couple of later that the money will be available only by Jul 29.. Wow !! Really?? 2 weeks to clear a check? Is it because my account is new? Or thats how they do?
Jul 16, 2013, 12:44 pm
#1061
Join Date: Nov 2011
Location: SFO/SJC
Programs: whatever comes with CCs
Posts: 1,082
I just opened an account and I tried to be nice with GoBank by depositing a rebate check for $10 and it took atleast 10 attempts for me to make the mobile app accept the check photo.. Got a mail a couple of later that the money will be available only by Jul 29.. Wow !! Really?? 2 weeks to clear a check? Is it because my account is new? Or thats how they do?
Same thing with bill pay. Unlike most banks it's not always the next day for e-payments.
Jul 16, 2013, 2:28 pm
#1062
Join Date: Mar 2013
Posts: 809
I just opened an account and I tried to be nice with GoBank by depositing a rebate check for $10 and it took atleast 10 attempts for me to make the mobile app accept the check photo.. Got a mail a couple of later that the money will be available only by Jul 29.. Wow !! Really?? 2 weeks to clear a check? Is it because my account is new? Or thats how they do?
Jul 16, 2013, 2:31 pm
#1063
Join Date: Dec 2004
Location: Saint Paul, MN
Programs: DL Plat, HH Dia, Hyatt Plat
Posts: 327
I was attempting to load an MP via the regular website to my Go Bank Visa. Once I was told that it is a non-reload card, I punted and put it on a different product. I won't use MP unless desperate to generate spend. Not worth the $1 premium for the hassle.
Jul 16, 2013, 2:31 pm
#1064
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871