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 $500 over 2 days got me shut down. Called CSR and they re-opened my account, letting me know that "direct deposit would reduce my number of trips to walmart" lol!
Gobank by Greendot - online banking with debit card
#1381
Join Date: Dec 2012
Location: JFK
Programs: *$ Gold :)
Posts: 1,061
"We allow between $20 (minimum) and $1,100 (maximum) per transaction.
The maximum you can deposit in one day is $2,500."
Last edited by pier11; Aug 15, 2013 at 5:12 am
#1383
Join Date: May 2013
Posts: 128
GoBank has an update to their app on the iPhone however I have not updated yet because I am scared in the update, it will take away the ability to add accounts under the same company.
#1384
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
#1386
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
#1390
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
#1394
Join Date: Nov 2012
Location: SAN
Posts: 152
Has anyone with accounts still open put money in their vault? I'm wondering if this makes you look more like the customer they want. Obviously the vault is stupid, but perhaps it couldn't hurt to transfer some money in there from time to time.
Also, data points:
2 accounts still open
GB1: June 1K loads; July 8.5K; Aug 1.5K. No DD or swipes. 4 bill pays to liquidate. $0 monthly fee
GB2: June 1K loads; July 5.5K; Aug 1.5K. No DD or swipes. 3 bill pays to liquidate. $0 monthly fee
I just setup AP and Fidelity to add these accounts for DD in case that will help in the future. I'm also going to add in a few swipes for good measure. It would be great to keep these accounts around 5k/mo each if possible since the WM kiosks always give me trouble doing MO and I don't like to wait in the line for CS to do MO.
Also, data points:
2 accounts still open
GB1: June 1K loads; July 8.5K; Aug 1.5K. No DD or swipes. 4 bill pays to liquidate. $0 monthly fee
GB2: June 1K loads; July 5.5K; Aug 1.5K. No DD or swipes. 3 bill pays to liquidate. $0 monthly fee
I just setup AP and Fidelity to add these accounts for DD in case that will help in the future. I'm also going to add in a few swipes for good measure. It would be great to keep these accounts around 5k/mo each if possible since the WM kiosks always give me trouble doing MO and I don't like to wait in the line for CS to do MO.
Last edited by iminsandiego; Aug 17, 2013 at 1:32 pm
#1395
Join Date: Jan 2013
Location: NYC
Posts: 415
Has anyone with accounts still open put money in their vault? I'm wondering if this makes you look more like the customer they want. Obviously the vault is stupid, but perhaps it couldn't hurt to transfer some money in there from time to time.
Also, data points:
2 accounts still open
GB1: June 1K loads; July 8.5K; Aug 1.5K. No DD or swipes. 4 bill pays to liquidate. $0 monthly fee
GB2: June 1K loads; July 5.5K; Aug 1.5K. No DD or swipes. 3 bill pays to liquidate. $0 monthly fee
I just setup AP and Fidelity to add these accounts for DD in case that will help in the future. I'm also going to add in a few swipes for good measure. It would be great to keep these accounts around 5k/mo each if possible since the WM kiosks always give me trouble doing MO and I don't like to wait in the line for CS to do MO.
Also, data points:
2 accounts still open
GB1: June 1K loads; July 8.5K; Aug 1.5K. No DD or swipes. 4 bill pays to liquidate. $0 monthly fee
GB2: June 1K loads; July 5.5K; Aug 1.5K. No DD or swipes. 3 bill pays to liquidate. $0 monthly fee
I just setup AP and Fidelity to add these accounts for DD in case that will help in the future. I'm also going to add in a few swipes for good measure. It would be great to keep these accounts around 5k/mo each if possible since the WM kiosks always give me trouble doing MO and I don't like to wait in the line for CS to do MO.