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 13, 2018, 8:50 am
#451
Join Date: Oct 2011
Posts: 4,166
Yup, did this last night. I always ask if they'd mind since the other registers have huge lines and that I can come back another day if they're too busy. They usually don't mind.
Apr 13, 2018, 4:08 pm
#452
Join Date: Nov 2015
Programs: DL, Marriott & IHG Platty; HH Diamonte
Posts: 861
Edit: Yes Superorb, but sometimes things have to be said for the masses.
Last edited by pharmawalk; Apr 14, 2018 at 9:38 pm
Apr 20, 2018, 6:41 pm
#455
Join Date: Feb 2016
Posts: 828
I have tried to load 1000 Go bank with 2X 500 VGC. I got debit not available after 1st swipe. Usually this happens if cashier doesn't know how to split. I tried a different cashier and same thing. I know WM hasn't stopped accepting VGC. I had same issue few days ago but then it worked with different cashier on different day. Not sure if there is some glitch or WM is in the midst of upgrading their system. It works sometimes and then it doesn't. Anyone has similar experience? When you ask CSM, they have no clue other than they are constantly changing systems.
Apr 20, 2018, 6:52 pm
#456
Original Member
Join Date: May 1998
Location: West Palm Beach, FL, USA
Programs: AA EXP, Hilton Gold, Marriott Platinum, ALL Gold
Posts: 206
I have tried to load 1000 Go bank with 2X 500 VGC. I got debit not available after 1st swipe. Usually this happens if cashier doesn't know how to split. I tried a different cashier and same thing. I know WM hasn't stopped accepting VGC. I had same issue few days ago but then it worked with different cashier on different day. Not sure if there is some glitch or WM is in the midst of upgrading their system. It works sometimes and then it doesn't. Anyone has similar experience? When you ask CSM, they have no clue other than they are constantly changing systems.
Apr 20, 2018, 8:05 pm
#458
Join Date: Jun 2016
Posts: 2,257
When it comes to loading GB at Walmart I have always found loading more than $600 at one time results in an error and the load failing. For example, if I use 4 $200 VGC the load will fail, but if I use 3 for a $600 load it goes through no problem. This may be a YMMV, but it's been my experience for years.
You also cannot load more than $500 at the cashier register AFAIK
Apr 21, 2018, 11:31 am
#460
Join Date: Jul 2014
Posts: 3,688
YMMV still rules since registers nationwide have not been hard coded to disallow all VGCs to buy MOs, do WMBP or load prepaids.
in your case, it's best to check if your acct is in good standing by doing a small DD (or you can also do ATM w/d); you said in some posts you've gone way over the $3K limit so better check if they caught up with you. If your acct is in good standing....then MAYBE it's just that particular WM and hopefully it's not the same at all the WMs in your area.
Apr 21, 2018, 12:43 pm
#461
Join Date: Jan 2017
Posts: 161
I had 4 bill payments to student and auto loans all not get paid around the same time, eventually got refunded.
May 12, 2018, 9:19 am
#464
Original Member
Join Date: May 1998
Location: West Palm Beach, FL, USA
Programs: AA EXP, Hilton Gold, Marriott Platinum, ALL Gold
Posts: 206
I always thought that the actual swipe of the card you were loading did not count as a “swipe,” but that makes sense. It has been a while since I loaded a Serve or BB card, but if memory serves me correct I could swipe that card to load, and then have 4 other swipes, though I may be mistaken. Also, I usually load at the Money Center so I havent’ run across a limit at a register.
May 12, 2018, 1:42 pm
#465
Join Date: Jul 2014
Posts: 3,688
I always thought that the actual swipe of the card you were loading did not count as a “swipe,” but that makes sense. It has been a while since I loaded a Serve or BB card, but if memory serves me correct I could swipe that card to load, and then have 4 other swipes, though I may be mistaken. Also, I usually load at the Money Center so I havent’ run across a limit at a register.
BTW, there was one time when I loaded $1K and told cashier I have $500 on my first swipe, she made the mistake of keying in $50.00 so I was surprised when my remaining balance came up to $950. I didn't panic and swiped the same card again, telling her to key in $450 and NOT to forget the extra zeros. The final balance came up to $500 and that drained my 2nd GC. All's well that ended well, I just keep in mind the 3 swipe rule when loading prepaids.