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.
-----------------------------
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)
Jan 17, 2016, 7:20 pm
#17
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
3/4 cards temporarily suspended, reason given quick loads/unload activity....loaded a bunch of $200 VGC and made one large CC payment ($1600)....The only card that stil active, I made 2 smaller payments including a car payment....rep encouraged to use the card "properly" ....or else....lifted the block on one of them...still have to call to lift the suspension on the other 2...
Given the Serve/BB recent shutdowns, this won't last long...
Given the Serve/BB recent shutdowns, this won't last long...
Jan 17, 2016, 7:46 pm
#19
Join Date: Mar 2007
Location: S Cal
Programs: AA Lifetime Plat, United Silver, Marriott Plat, IHG Plat
Posts: 1,142
Jan 17, 2016, 8:38 pm
#20
Join Date: Jul 2010
Location: Midwest
Programs: AA LT Gold 1MM ,Hyatt Explorist,Marriott Platinum,HHonors Diamond
Posts: 364
Ummm....not really...and yes I did read the wiki....been using this for the last 2 years with no problems on 4 accounts....loading using gift cards...all kind of denominations...and unloading via billpay...not a single swipe...stayed under 3k per account though....well, UNTIL last week....suddenly 3/4 got suspended...but it seems like a warning because they reopened one account when I called about it...
Jan 20, 2016, 1:41 pm
#21
FlyerTalk Evangelist
Join Date: Mar 2000
Posts: 17,427
This has got to be a first . . .
My wife and I successfully applied for Go cards, funding them online with $100 from our Buxx accounts.
We just got the cards in the mail. I went to activate them. When I log in to activate, it says that our accounts have already been closed! I checked our Buxx accounts, and at least they've refunded our $100 deposits. I must be the first person to ever get his account closed before he even used it.
BTW, I tried to call them to ask about this, and the phone tree just shuts me down, saying my account is closed, don't try to open a new greendot account, and "goodbye." Is there a way to reach a human being in this situation. I kind of feel they owe me an explanation, and perhaps a chance to reconsider.
My wife and I successfully applied for Go cards, funding them online with $100 from our Buxx accounts.
We just got the cards in the mail. I went to activate them. When I log in to activate, it says that our accounts have already been closed! I checked our Buxx accounts, and at least they've refunded our $100 deposits. I must be the first person to ever get his account closed before he even used it.
BTW, I tried to call them to ask about this, and the phone tree just shuts me down, saying my account is closed, don't try to open a new greendot account, and "goodbye." Is there a way to reach a human being in this situation. I kind of feel they owe me an explanation, and perhaps a chance to reconsider.
Jan 20, 2016, 1:54 pm
#22
Join Date: May 2014
Posts: 191
This has got to be a first . . .
My wife and I successfully applied for Go cards, funding them online with $100 from our Buxx accounts.
We just got the cards in the mail. I went to activate them. When I log in to activate, it says that our accounts have already been closed! I checked our Buxx accounts, and at least they've refunded our $100 deposits. I must be the first person to ever get his account closed before he even used it.
BTW, I tried to call them to ask about this, and the phone tree just shuts me down, saying my account is closed, don't try to open a new greendot account, and "goodbye." Is there a way to reach a human being in this situation. I kind of feel they owe me an explanation, and perhaps a chance to reconsider.
My wife and I successfully applied for Go cards, funding them online with $100 from our Buxx accounts.
We just got the cards in the mail. I went to activate them. When I log in to activate, it says that our accounts have already been closed! I checked our Buxx accounts, and at least they've refunded our $100 deposits. I must be the first person to ever get his account closed before he even used it.
BTW, I tried to call them to ask about this, and the phone tree just shuts me down, saying my account is closed, don't try to open a new greendot account, and "goodbye." Is there a way to reach a human being in this situation. I kind of feel they owe me an explanation, and perhaps a chance to reconsider.
Jan 20, 2016, 1:54 pm
#23
Join Date: Feb 2015
Posts: 319
This has got to be a first . . .
My wife and I successfully applied for Go cards, funding them online with $100 from our Buxx accounts.
We just got the cards in the mail. I went to activate them. When I log in to activate, it says that our accounts have already been closed! I checked our Buxx accounts, and at least they've refunded our $100 deposits. I must be the first person to ever get his account closed before he even used it.
BTW, I tried to call them to ask about this, and the phone tree just shuts me down, saying my account is closed, don't try to open a new greendot account, and "goodbye." Is there a way to reach a human being in this situation. I kind of feel they owe me an explanation, and perhaps a chance to reconsider.
My wife and I successfully applied for Go cards, funding them online with $100 from our Buxx accounts.
We just got the cards in the mail. I went to activate them. When I log in to activate, it says that our accounts have already been closed! I checked our Buxx accounts, and at least they've refunded our $100 deposits. I must be the first person to ever get his account closed before he even used it.
BTW, I tried to call them to ask about this, and the phone tree just shuts me down, saying my account is closed, don't try to open a new greendot account, and "goodbye." Is there a way to reach a human being in this situation. I kind of feel they owe me an explanation, and perhaps a chance to reconsider.
Jan 20, 2016, 2:03 pm
#24
Join Date: May 2014
Posts: 145
Ummm....not really...and yes I did read the wiki....been using this for the last 2 years with no problems on 4 accounts....loading using gift cards...all kind of denominations...and unloading via billpay...not a single swipe...stayed under 3k per account though....well, UNTIL last week....suddenly 3/4 got suspended...but it seems like a warning because they reopened one account when I called about it...
Jan 20, 2016, 3:47 pm
#26
Join Date: Dec 2013
Location: California
Posts: 264
Edited to add: funding with a real bank debit card also might seem suspicious to them; they might wonder why someone with a real bank account would want a prepaid card.
Last edited by sbft77; Jan 20, 2016 at 10:08 pm
Jan 20, 2016, 5:43 pm
#27
Join Date: Dec 2010
Posts: 1,516
This has got to be a first . . .
My wife and I successfully applied for Go cards, funding them online with $100 from our Buxx accounts.
We just got the cards in the mail. I went to activate them. When I log in to activate, it says that our accounts have already been closed! I checked our Buxx accounts, and at least they've refunded our $100 deposits. I must be the first person to ever get his account closed before he even used it.
BTW, I tried to call them to ask about this, and the phone tree just shuts me down, saying my account is closed, don't try to open a new greendot account, and "goodbye." Is there a way to reach a human being in this situation. I kind of feel they owe me an explanation, and perhaps a chance to reconsider.
My wife and I successfully applied for Go cards, funding them online with $100 from our Buxx accounts.
We just got the cards in the mail. I went to activate them. When I log in to activate, it says that our accounts have already been closed! I checked our Buxx accounts, and at least they've refunded our $100 deposits. I must be the first person to ever get his account closed before he even used it.
BTW, I tried to call them to ask about this, and the phone tree just shuts me down, saying my account is closed, don't try to open a new greendot account, and "goodbye." Is there a way to reach a human being in this situation. I kind of feel they owe me an explanation, and perhaps a chance to reconsider.
Jan 20, 2016, 5:45 pm
#28
Join Date: Jun 2013
Programs: Delta DDM 720, SPG Unobtainium, CC Adamantium, can I keep bragging now?
Posts: 306
Same runaround too - Tried to call, no live person, so emailed, told to call. So I sorta got a bit testy with them on social media and it worked! Sorta... got a call from one of their more 'special' teams it seems and all she could really say was the system had flagged it for 'unusual activity' but could not tell me what it was. Kind of strange since I'd never had an account with them and funded it directly with my own debit card.
I was supposed to get a followup call back after she investigated more but haven't heard back yet.
Jan 20, 2016, 5:46 pm
#29
Join Date: Apr 2013
Posts: 133
I've never had any other green dot product and my recently obtained GOBank card was shut down before I received it in the mail.
Jan 20, 2016, 6:27 pm
#30
Join Date: Feb 2015
Posts: 319
I ran into the exact same issue as you, although I funded direct from a real debit card (not VGC).
Same runaround too - Tried to call, no live person, so emailed, told to call. So I sorta got a bit testy with them on social media and it worked! Sorta... got a call from one of their more 'special' teams it seems and all she could really say was the system had flagged it for 'unusual activity' but could not tell me what it was. Kind of strange since I'd never had an account with them and funded it directly with my own debit card.
I was supposed to get a followup call back after she investigated more but haven't heard back yet.
Same runaround too - Tried to call, no live person, so emailed, told to call. So I sorta got a bit testy with them on social media and it worked! Sorta... got a call from one of their more 'special' teams it seems and all she could really say was the system had flagged it for 'unusual activity' but could not tell me what it was. Kind of strange since I'd never had an account with them and funded it directly with my own debit card.
I was supposed to get a followup call back after she investigated more but haven't heard back yet.