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
#1366
Join Date: May 2013
Posts: 128
Here are my data. Three accounts still open.
All DDs are either from AP or GW (including tiny transaction for verification). Loads are from GCs at WM. Most of the time I load multiple GCs on one WM visit and then billpay that amount out the next day to the same CC. No swipes.
#1
july: $4.6K 6 loads 1DD
june: $5.5K 5 loads 6DDs
may: $2.7K 9 loads 5DDs
#2
august: $6.7K 14 loads 2DDs
july: $6.1K 9 loads 4DDs ($50-$1K)
june: $1.1K 4 loads 3DDs
#3
august: will update once statement comes out in a few days
july: $6.9K 15 loads 3DDs
june: $2.9K 0 loads 9DDs
All DDs are either from AP or GW (including tiny transaction for verification). Loads are from GCs at WM. Most of the time I load multiple GCs on one WM visit and then billpay that amount out the next day to the same CC. No swipes.
#1
july: $4.6K 6 loads 1DD
june: $5.5K 5 loads 6DDs
may: $2.7K 9 loads 5DDs
#2
august: $6.7K 14 loads 2DDs
july: $6.1K 9 loads 4DDs ($50-$1K)
june: $1.1K 4 loads 3DDs
#3
august: will update once statement comes out in a few days
july: $6.9K 15 loads 3DDs
june: $2.9K 0 loads 9DDs
What is DDs and what is GW?
Also I have tried to load via MC or cash register 1.5k with 3 cards (split transaction) but the people keep telling me i can only do it 1 at a time.
is this correct? Thanks
#1367
Join Date: Dec 2012
Location: JFK
Programs: *$ Gold :)
Posts: 1,061
sorry for the ignorance however i have tried searching for the answer and have not found it
What is DDs and what is GW?
Also I have tried to load via MC or cash register 1.5k with 3 cards (split transaction) but the people keep telling me i can only do it 1 at a time.
is this correct? Thanks
What is DDs and what is GW?
Also I have tried to load via MC or cash register 1.5k with 3 cards (split transaction) but the people keep telling me i can only do it 1 at a time.
is this correct? Thanks
Split transaction is technically possible, but not many cashiers can do it. One card at a time is easier on everybody.
#1370
Join Date: Aug 2009
Location: ORD, LAS
Programs: AA-EXP, BAEC Silver, Hyatt-Globalist, Hilton-gold, SPG-gold
Posts: 855
Here are my data. Three accounts still open.
All DDs are either from AP or GW (including tiny transaction for verification). Loads are from GCs at WM. Most of the time I load multiple GCs on one WM visit and then billpay that amount out the next day to the same CC. No swipes.
#1
july: $4.6K 6 loads 1DD
june: $5.5K 5 loads 6DDs
may: $2.7K 9 loads 5DDs
#2
august: $6.7K 14 loads 2DDs
july: $6.1K 9 loads 4DDs ($50-$1K)
june: $1.1K 4 loads 3DDs
#3
august: will update once statement comes out in a few days
july: $6.9K 15 loads 3DDs
june: $2.9K 0 loads 9DDs
All DDs are either from AP or GW (including tiny transaction for verification). Loads are from GCs at WM. Most of the time I load multiple GCs on one WM visit and then billpay that amount out the next day to the same CC. No swipes.
#1
july: $4.6K 6 loads 1DD
june: $5.5K 5 loads 6DDs
may: $2.7K 9 loads 5DDs
#2
august: $6.7K 14 loads 2DDs
july: $6.1K 9 loads 4DDs ($50-$1K)
june: $1.1K 4 loads 3DDs
#3
august: will update once statement comes out in a few days
july: $6.9K 15 loads 3DDs
june: $2.9K 0 loads 9DDs
#1372
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
#1375
Join Date: Feb 2013
Posts: 170
GoBank bill pay slower than Bluebird
If money is taken out on Monday from the account then Bluebird payments are credited by Tuesday night whereas GoBank payment credit is often seen by Thursday morning.
Not sure why GoBank is slow when in electronic transfers money is expected to travel at the speed of light.
Not sure why GoBank is slow when in electronic transfers money is expected to travel at the speed of light.
#1376
Join Date: May 2013
Posts: 128
Thanks
I did think DD meant Direct Deposits but I saw so many and I thought you can only do a direct deposit from your company that you work for or from the government.
I did not know you can do a transaction from Amazon Payments or Google wallet and that would look like a direct deposit.
Can you do a transaction from AP or GW to ie chase checking account and it would count like a direct deposit? I know the question is off topic but just wanted to learn something new.
Thanks
I did think DD meant Direct Deposits but I saw so many and I thought you can only do a direct deposit from your company that you work for or from the government.
I did not know you can do a transaction from Amazon Payments or Google wallet and that would look like a direct deposit.
Can you do a transaction from AP or GW to ie chase checking account and it would count like a direct deposit? I know the question is off topic but just wanted to learn something new.
Thanks
#1378
Join Date: May 2013
Posts: 939
Did this really need its own thread???
Why not post this observation in the GoBank thread?
Why not post this observation in the GoBank thread?
#1380
Join Date: Jun 2012
Posts: 78
Limits
I'm sorry I can't seem to find the limits for depositing into GoBank. I think I read max balance is $50,000. How much can you load a day?
I beleive it is $1999 per machine at walmart but can I go to a few walmarts and do $1999 a few times?
I beleive it is $1999 per machine at walmart but can I go to a few walmarts and do $1999 a few times?