Jan 10, 2016, 7:37 pm
Last edit by: radonc1
As of 9/18/21: WM loads are no longer free. WM will charge each load (no matter what the size) $3.74 in addition to the money being deposited into your Go Bank account.
GoBank fees and limits:
Cash deposits are limited to $2,500 per day and $3,000 per 30 days, subject to a maximum account balance of $50,000.
The monthly fee will accumulate if the account is dormant. You must call the phone number on the back to close the account.
5/29/19 - There may be a difference in which card gets free loads at WM. Getting the card online through GoBank.com sends out a Visa version. This card may not allow free loads at WM. Reports are that getting the card directly at WM will result in free loads. If anyone can confirm this, please do so.
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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!
tarcapone (open) old version opened October 2014 still alive February 2016. Load $1k/week ($4-$5K per month) nearly every Monday morning. Bill pay out large chunks to Credit cards. (Open) new version Opened November 2015 load $1K per week, but skipping a week each month. Bill pay out large chunks. My $1K/week is always one transaction (2x$500GC).
GoBank fees and limits:
Cash deposits are limited to $2,500 per day and $3,000 per 30 days, subject to a maximum account balance of $50,000.
- Sign up online & through the GoBank app FREE
- Sign up with a starter kit from participating retail stores Purchase a starter kit at a participating retail location ($2.95 or less) + start your account for as little as $20, up to $500
- Monthly Membership FREE in any month that you make qualifying direct deposits totaling at least $500. Otherwise, $8.95 per month. For more details on the Monthly Membership fee
Keep in mind the maximum number of swipes for payment when loading prepaid reloadables including GoBank is THREE. Swiping the prepaid card is considered as FIRST swipe so it leaves you with THREE remaining swipes so plan accordingly.
The monthly fee will accumulate if the account is dormant. You must call the phone number on the back to close the account.
5/29/19 - There may be a difference in which card gets free loads at WM. Getting the card online through GoBank.com sends out a Visa version. This card may not allow free loads at WM. Reports are that getting the card directly at WM will result in free loads. If anyone can confirm this, please do so.
-----------------------------
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!
tarcapone (open) old version opened October 2014 still alive February 2016. Load $1k/week ($4-$5K per month) nearly every Monday morning. Bill pay out large chunks to Credit cards. (Open) new version Opened November 2015 load $1K per week, but skipping a week each month. Bill pay out large chunks. My $1K/week is always one transaction (2x$500GC).
Gobank by Greendot - online banking with debit card(2016 onwards)
Oct 2, 2023, 10:18 pm
#1621
Join Date: Sep 2023
Posts: 12
If you are willing to pay the $3.74 WM fee, then you should be able to load $500 with 4 swipes. Using $200 Staples VGCs, your three cards will load $500 snd be charged $503.74, leaving 2 cards empty and one with $196.26.
This cannot be done at the MC or service desk, but rather at a cashier. who may be less than enthused about doing multiple swipes and loads especially if there is a line behind you.
This cannot be done at the MC or service desk, but rather at a cashier. who may be less than enthused about doing multiple swipes and loads especially if there is a line behind you.
Do I have to tell them it's split payment before my 1st GC swipe? I think the system would be smart enough to only take $200 from the GC and then ask you for remaining payment on POS. Just wondering if it's something the cashier needs to do different to not mess it up.
I know when purchasing WM GC and paying with VGC/MCGC, WM self checkout POS would only deduct what's left on the VGC/MCGC.
Oct 3, 2023, 10:56 am
#1622
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,442
You mean do it at the money services desk? Don't think regular checkout cashier can do this.
Do I have to tell them it's split payment before my 1st GC swipe? I think the system would be smart enough to only take $200 from the GC and then ask you for remaining payment on POS. Just wondering if it's something the cashier needs to do different to not mess it up.
I know when purchasing WM GC and paying with VGC/MCGC, WM self checkout POS would only deduct what's left on the VGC/MCGC.
Do I have to tell them it's split payment before my 1st GC swipe? I think the system would be smart enough to only take $200 from the GC and then ask you for remaining payment on POS. Just wondering if it's something the cashier needs to do different to not mess it up.
I know when purchasing WM GC and paying with VGC/MCGC, WM self checkout POS would only deduct what's left on the VGC/MCGC.
:It is always best to be up front with the person doing your bidding. First, it smooths the process if they know that your card does not have the full amount you are depositing and that you need to use more than one card. Second, it saves time because you know at the start if the rep is going to allow the transaction, or going to turn you away either because they don't know how to do it or have the crusader complex. . Finally, it's just polite to not spring things on people when you want them to do something that they don't ordinarily do.
Oct 3, 2023, 2:48 pm
#1623
Join Date: Sep 2023
Posts: 12
I was able to do one $200 VISA Grocery Everywhere Card swipe at the money counter. Wanting to know if I can split payment over 3 cards, so $200 + $200 + $100. To help spread out the $3.74 fee
Oct 3, 2023, 5:26 pm
#1624
Join Date: Jul 2015
Posts: 84
yes. You should able to use max 4 cards for load. But if you swipe the go card 1st you can use max 3.
Oct 3, 2023, 7:59 pm
#1625
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,442
I was referring specifically to the yellow VGCs that are sold by Staples.
Oct 23, 2023, 8:05 am
#1627
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,442
However, the use of your card is limited until you get the permanent one. That is described in the T&C's
Oct 23, 2023, 9:33 am
#1628
Join Date: Jan 2005
Location: NJ
Programs: World of Hyatt Globalist, Marriott Premier Platinum
Posts: 462
Oct 23, 2023, 1:09 pm
#1629
Join Date: Sep 2023
Posts: 12
No, you can only do initial load. After that, need to wait for chip card to come in. I learned this the hard way.
Oct 23, 2023, 3:26 pm
#1630
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,442
Even the card name has changed to Go2Bank
:Just as a reminder, loading money other than DD costs at least $3.74 at WM and more elsewhere, so not a great method for MSing.
Oct 24, 2023, 3:57 am
#1631
Join Date: Sep 2023
Posts: 12
Thanks, didn't know that. I have had the Go card for years and it has changed since I originally bought in.
Even the card name has changed to Go2Bank:
Just as a reminder, loading money other than DD costs at least $3.74 at WM and more elsewhere, so not a great method for MSing.
Even the card name has changed to Go2Bank
:Just as a reminder, loading money other than DD costs at least $3.74 at WM and more elsewhere, so not a great method for MSing.
Dec 7, 2023, 10:50 pm
#1632
Join Date: Nov 2018
Posts: 30
Purchased Greendot Visa Debit Card during one of the promos with the intention of online spend. Upon attempt to register, says unable to verify identity and that a new card with my name won't be sent. Says I can still use this card but for in-person transactions only--am I SOL? All my purchases are organic spend online and have plenty of cards to put organic spend on.