Jan 9, 2016, 9:07 am
Last edit by: ChrisFlyer66
There is a new thread on this topic for 2017. It is here.
As always, YMMV from store to store and cashier to cashier.
Any product affiliated with InComm or ITC Financial Services(like Vanilla VISA, Vanilla MC, and OneVanilla VISA) will not work for swiped-PIN transactions exceeding $49.99.
NO variety or design of VISA or MC Gebit's auto-drain at Walmart.
You cannot successfully swipe more than 4 cards in a single transaction.
Before you swipe, the cashier needs to know how much you want removed from each and every Gebit because they need to type in that amount. Of course, the Gebit must have a current balance of that amount or more otherwise you will get Error 51.
Very few Kate's can sell money orders anymore.
Debit codes PDF
http://www.flyertalk.com/forum/attac...0&d=1461170080
As always, YMMV from store to store and cashier to cashier.
Any product affiliated with InComm or ITC Financial Services(like Vanilla VISA, Vanilla MC, and OneVanilla VISA) will not work for swiped-PIN transactions exceeding $49.99.
NO variety or design of VISA or MC Gebit's auto-drain at Walmart.
You cannot successfully swipe more than 4 cards in a single transaction.
Before you swipe, the cashier needs to know how much you want removed from each and every Gebit because they need to type in that amount. Of course, the Gebit must have a current balance of that amount or more otherwise you will get Error 51.
Very few Kate's can sell money orders anymore.
Debit codes PDF
http://www.flyertalk.com/forum/attac...0&d=1461170080
Buying Money Orders at Walmart(2013-2016)
Dec 29, 2015, 5:29 pm
#511
FlyerTalk Evangelist
Join Date: Apr 2002
Location: Madison, WI, USA
Posts: 14,162
I just added up the last two months -- I deposited over $760,000 in MOs to my CU this year, and not a peep from them. Most came from WM -- I wonder how many WM visits that was?
Dec 29, 2015, 10:22 pm
#513
FlyerTalk Evangelist
Join Date: Apr 2002
Location: Madison, WI, USA
Posts: 14,162
Dec 30, 2015, 6:17 am
#516
Join Date: Mar 2008
Location: Central Jersey
Programs: Emirates, Amex Plat, UA/DL, Hilton/SPG
Posts: 57
Did you buy these MOs with VGCs? if yes, then you paid around $7600 in fees on GCs?? ($5/500VGC on average). The thing is that I don't see any benefit of using MS beyond hitting bonus thresholds on credit cards, which are usually around 30K/year for most cards.
Dec 30, 2015, 11:57 am
#517
FlyerTalk Evangelist
Join Date: Apr 2002
Location: Madison, WI, USA
Posts: 14,162
To each his own. I see it as a way to have great vacations at a lower price. I don't take an accountant's approach to it, but I know I'm taking vacations that I could not otherwise afford. 2-3 overseas trips a year on a middle-class salary is pretty good.
Dec 30, 2015, 12:01 pm
#518
FlyerTalk Evangelist
Join Date: Apr 2002
Location: Madison, WI, USA
Posts: 14,162
I used to put them in my name, but occasionally inexperienced tellers would ask questions about why I'm giving MOs to myself. I prefer to be in and out without questions.
Dec 30, 2015, 12:30 pm
#519
Join Date: Feb 2012
Posts: 4,477
Citi accepts MO deposits, but not through ATM's. Citi tellers always give me a hard time when a MO is made payable to the bank -- insisting that checking account deposits must be made payable to the owner.
I was more curious what the issuing bank BOKF might do if they notice that hundreds (in your case thousands) of their cleared checks were payable to the same person. It would be more in line with the MOs intended use that they are made payable to institutions.
Dec 30, 2015, 6:51 pm
#520
Join Date: Oct 2014
Posts: 827
Sometimes I get asked what all the MOs are *for* (or the teller asks me if I just got paid rent), and I just answer "credit card points". I've never really had a follow up question to that one...
And also, of course, to mirror a prior comment, mobile deposit doesn't ask questions, just like the ATM.
Dec 31, 2015, 4:53 am
#521
Join Date: Aug 2009
Posts: 662
Op could have purchased gift cards during an office max promotion. Paid zero fees earned points and cash.
Jan 1, 2016, 12:06 am
#522
A FlyerTalk Posting Legend
Join Date: May 2002
Location: YEG
Programs: HH Silver
Posts: 56,452
Somehow some way a few members thought it was acceptable to get personal with their posts but this is a blunt reminder that those doing so may find their posting privileges suspended so please stick to the topic at hand challenge the post and not the poster as per FT Rules.
tcook052
MS forum moderator
tcook052
MS forum moderator
Jan 1, 2016, 9:10 am
#523
Join Date: May 2012
Posts: 25
So my local WM was very friendly to my MS activities, then yesterday a CSM manning the money center told me that they are no longer doing the "prepaid card thing" because of fraud reasons. She has done many MOs and BB loads for me before, so I was unpleasantly surprised. She even suggested that I try other WM. I was in a bit of hurry so I just put on a sad face and moved on, but I'm wondering if it's not a bad idea to go back and maybe explain what I'm doing, or should I just not bother? IME, MS friendliness at WM is usually cashier-specific so I might have better luck with other cashiers, but I hate wasting a trip to WM because unfriendly person is working the register.
Jan 1, 2016, 4:31 pm
#524
Join Date: Feb 2012
Posts: 4,477
You can usually do a single load at a checkout register, provided that the cashier is experienced and doesn't need to ask for help from a manager.
Jan 2, 2016, 5:52 pm
#525
Suspended
Join Date: Sep 2014
Posts: 350
I read there's a way to buy mo from Walmart using a Wells Fargo 5x card directly. One guy tweeted it, any ideas how? This could be huge!