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)
Apr 19, 2017, 4:23 pm
#346
Join Date: Oct 2014
Posts: 51
EDIT: Adding my own DP. Metabank VGC worked flawlessly. Didn't need to hit cancel/change payment type.
Last edited by halluc1nati0n; Apr 19, 2017 at 8:30 pm Reason: Added DP
Apr 20, 2017, 10:10 am
#347
Join Date: Dec 2013
Posts: 3,509
Only MCGCs and it not only USB but all MCGCs need that workaround.
Apr 20, 2017, 4:14 pm
#349
Join Date: Mar 2007
Location: S Cal
Programs: AA Lifetime Plat, United Silver, Marriott Plat, IHG Plat
Posts: 1,142
Apr 24, 2017, 6:19 pm
#352
Join Date: May 2016
Posts: 102
My Walmart money card was shut down 2 weeks ago and now my Gobank was just closed. They are the worst. Randomly my card didn't work. Logged online and it said to call. I called 3x over the course of a week and was on hold for over 20 minutes. Finally submitted a request on the help section of the website. They called the next day and said they were transferring me to someone. I waited 20 minutes and nobody came on. Went back online. They called again. This time I was on hold for over an hour. Went back online and they called me now and said the account was closed and to spend the rest. An email said that "It looks like you’ve been depositing money, then moving it out of the account with little-to-no purchase activity." I did use the card at grocery stores for money orders and cash back on purchases. The rest was dispersed through bill pay. I was loading between about $2-4k a month and would direct deposit into from another account.
I don't see how they can call themselves a legitimate company when they do this stuff. Deposit and move it out? I thought that it was it was supposed to be used for.
I don't see how they can call themselves a legitimate company when they do this stuff. Deposit and move it out? I thought that it was it was supposed to be used for.
Apr 24, 2017, 8:41 pm
#353
Join Date: Dec 2009
Location: ROC
Programs: Anything CC gives me
Posts: 1,118
My Walmart money card was shut down 2 weeks ago and now my Gobank was just closed. They are the worst. Randomly my card didn't work. Logged online and it said to call. I called 3x over the course of a week and was on hold for over 20 minutes. Finally submitted a request on the help section of the website. They called the next day and said they were transferring me to someone. I waited 20 minutes and nobody came on. Went back online. They called again. This time I was on hold for over an hour. Went back online and they called me now and said the account was closed and to spend the rest. An email said that "It looks like you’ve been depositing money, then moving it out of the account with little-to-no purchase activity." I did use the card at grocery stores for money orders and cash back on purchases. The rest was dispersed through bill pay. I was loading between about $2-4k a month and would direct deposit into from another account.
I don't see how they can call themselves a legitimate company when they do this stuff. Deposit and move it out? I thought that it was it was supposed to be used for.
I don't see how they can call themselves a legitimate company when they do this stuff. Deposit and move it out? I thought that it was it was supposed to be used for.
Apr 25, 2017, 11:33 am
#354
Join Date: May 2016
Posts: 102
Apr 25, 2017, 1:50 pm
#355
Join Date: Jul 2014
Posts: 3,688
I know for a fact that for accounts opened on or before 2014, the load limit is >$3K/month(I don't think there is/was a limit). I don't know when the cut off was, for the strict enforcement of limits. I'd consider myself fortunate they just gave me a warning for doing ACH pull, but other than that, they let me do as many B/P as I want per month.
When WMmc and GoB are working, it's great...but once you encounter a problem, it's a nightmare to contact customer (non)service. I'm sure others can relate and one has to have the patience of Job to deal with them successfully.
When WMmc and GoB are working, it's great...but once you encounter a problem, it's a nightmare to contact customer (non)service. I'm sure others can relate and one has to have the patience of Job to deal with them successfully.
Apr 26, 2017, 6:44 am
#357
Join Date: Jul 2014
Posts: 3,688
we have the WM pref money card which is NLA as of Jan 2016 and it is very useful for MS...as long as it is working properly 
It is the ONLY money card with no fees to load with GCs. They have upgraded software lately and so far, it has been working faster and B/Ps go through quickly.
It is the ONLY money card with no fees to load with GCs. They have upgraded software lately and so far, it has been working faster and B/Ps go through quickly.
Apr 26, 2017, 1:11 pm
#358
Join Date: Feb 2015
Posts: 319
we have the WM pref money card which is NLA as of Jan 2016 and it is very useful for MS...as long as it is working properly It is the ONLY money card with no fees to load with GCs. They have upgraded software lately and so far, it has been working faster and B/Ps go through quickly.
It is the ONLY money card with no fees to load with GCs. They have upgraded software lately and so far, it has been working faster and B/Ps go through quickly.
May 1, 2017, 2:56 pm
#360
Join Date: Jul 2014
Posts: 3,688
try switching browsers and see if that fixes your problem.