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 $500 over 2 days got me shut down. Called CSR and they re-opened my account, letting me know that "direct deposit would reduce my number of trips to walmart" lol!
Gobank by Greendot - online banking with debit card
Aug 2, 2013, 12:36 am
#1232
Join Date: Nov 2012
Location: SAN
Posts: 152
I noticed the same thing last night after offloading HIGC at WM. I thought it was odd but I didn't worry about it since my balance was correct.
Aug 2, 2013, 1:03 am
#1233
Join Date: May 2013
Programs: Hyatt Explorist, Hilton Diamond
Posts: 246
Check now.. It was messed up yesterday for me.. Looks ok now..
Aug 2, 2013, 7:48 am
#1234
Join Date: May 2013
Posts: 1,153
Since my account got closed, can't remember...but isn't debit the default? So, you just hit cancel for the debit and switch to credit automatically?
Last edited by vagrants; Aug 2, 2013 at 7:57 am
Aug 2, 2013, 9:26 am
#1235
Join Date: May 2013
Posts: 1,153
It was always a question for me. I do see such thing as normal purchase. In transaction list or in statement. (Not necesseraly with regard to this debit card). And might think the issuer has no idea.
Wereas if amount of CB is limited on the card (monthly cup for example), then I won't be able go get more than that. (Or in extreme example - if no CB/CA on card at all, I won't be able to get it at all). Appears the issues pretty much knows how card was used.
So the question is - if CB-involved transaction help anything?...
Wereas if amount of CB is limited on the card (monthly cup for example), then I won't be able go get more than that. (Or in extreme example - if no CB/CA on card at all, I won't be able to get it at all). Appears the issues pretty much knows how card was used.
So the question is - if CB-involved transaction help anything?...
Aug 2, 2013, 9:43 am
#1236
Join Date: Dec 2012
Location: JFK
Programs: *$ Gold :)
Posts: 1,061
With exception of places that take only debit cards. Like some super discounted grocery stores.
Aug 2, 2013, 9:55 am
#1237
Join Date: May 2013
Posts: 1,153
Bummer. That complicates the matter a little, but I assume it's hackable.
Aug 2, 2013, 10:46 am
#1238
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Hehehe, I should have done that since WM GC -> VISA GC works fine @ my WM (WM GC because I don't necessarily have to put large amount at once @ self-checkout). I got greedy since using the GB Debit/Credit won't earn me anything. I did pay Verizon & Comcast for less than $5/month with GB (rest of the bills were paid with Ink).
Since my account got closed, can't remember...but isn't debit the default? So, you just hit cancel for the debit and switch to credit automatically?
Since my account got closed, can't remember...but isn't debit the default? So, you just hit cancel for the debit and switch to credit automatically?
Also, I used Ink for all of those bills that I earn 5x points on.
Aug 2, 2013, 10:56 am
#1239
Join Date: May 2013
Posts: 1,153
Yes, buy WM GC with GB card @ self-checkout (max $250/transaction @self-checkout. @full register...don't know the limit but can go above $250) to stay under the radar (showing some kind of uses other than BillPay). I paid some utilities, so that they get some benefits from my GB card uses. $10/month ($5 Verizon/month, $5 Comcast/month) wasn't enough apparently. I'm lucky enough to have a CC that earns points @ WM more than 1x as a grocery category, so I would do like buy $100 of WM GC with GB then top it out with CC ($400) then turn around buy University VISA with the WM GC.
Last edited by vagrants; Aug 2, 2013 at 11:06 am
Aug 2, 2013, 11:13 am
#1240
Join Date: Dec 2010
Posts: 1,516
Yes, buy WM GC with GB card @ self-checkout (max $250/transaction @self-checkout. @full register...don't know the limit but can go above $250) to stay under the radar (showing some kind of uses other than BillPay). I paid some utilities, so that they get some benefits from my GB card uses. $10/month ($5 Verizon/month, $5 Comcast/month) wasn't enough apparently. I'm lucky enough to have a CC that earns points @ WM more than 1x as a grocery category, so I would do like buy $100 of WM GC with GB then top it out with CC ($400) then turn around buy University VISA with the WM GC.
Aug 2, 2013, 11:47 am
#1241
Join Date: May 2013
Posts: 1,153
It's not for you. Just keep maxing on everything since seem to have no concept of give and take.
Aug 2, 2013, 12:16 pm
#1242
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Yes, buy WM GC with GB card @ self-checkout (max $250/transaction @self-checkout. @full register...don't know the limit but can go above $250) to stay under the radar (showing some kind of uses other than BillPay). I paid some utilities, so that they get some benefits from my GB card uses. $10/month ($5 Verizon/month, $5 Comcast/month) wasn't enough apparently. I'm lucky enough to have a CC that earns points @ WM more than 1x as a grocery category, so I would do like buy $100 of WM GC with GB then top it out with CC ($400) then turn around buy University VISA with the WM GC.
Aug 2, 2013, 2:49 pm
#1243
Join Date: Feb 2013
Posts: 16
I'm on the phone with a GB rep about some missing money, and she says that a few days ago they implemented a new policy to not allow gift cards with PINs. Yikes! I know a lot of you got shut down, but for those of you with GBs still open - have a backup plan.
Aug 2, 2013, 3:13 pm
#1244
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
Anybody has any issues depositing MOs using the mobile app recently?
Aug 2, 2013, 3:30 pm
#1245
Join Date: Jan 2013
Location: LAX, SNA
Posts: 359
I recently loaded a GC with a PIN two days ago onto my GoBank card and the money is there.