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Gobank by Greendot - online banking with debit card(2016 onwards)

Gobank by Greendot - online banking with debit card(2016 onwards)

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Old May 12, 18, 5:47 am   -   Wikipost
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The 2014-2015 version of this thread is here: http://www.flyertalk.com/forum/manuf...-card-139.html

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Do NOT let Rite-Aid scan the GoBank barcode. You will be charged, but your funds won't load. It is a PIA to get your funds back.

Want to stay active? Be sure to only load when your balance is at or close to 0. Continuing to load when you have funds in there seems to be a no no. Swipes are recommended, but there are folks active that don't swipe.

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.

Lots of $200 loads can get you shutdown. GoBank does not like paying load fees on low denomination loads. Two $500 loads is better than five $200 loads.

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).
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Old Feb 6, 19, 9:39 pm
  #601  
 
Join Date: Dec 2017
Posts: 306
You entered routing number incorrectly. Ally Routing number = 124003116 Good luck!
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Old Feb 7, 19, 8:11 am
  #602  
 
Join Date: Sep 2014
Posts: 1,803
Originally Posted by Klemhuzzah View Post
You entered routing number incorrectly. Ally Routing number = 124003116 Good luck!
OP is trying to add Go Bank in Ally account.
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Old Feb 16, 19, 8:35 am
  #603  
 
Join Date: Oct 2013
Location: Phx
Programs: DL Diamond, Hyatt Diamond, SPG Gold
Posts: 14
Has anyone noticed recent changes in Gobank limits? I tried to load $500 at WM the past several days without success. Getting error message saying, "Exceeds Card Load limit"?
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Old Feb 16, 19, 5:51 pm
  #604  
 
Join Date: Sep 2014
Location: Metro ATL
Posts: 304
Originally Posted by DLScottsdaleMike View Post
Has anyone noticed recent changes in Gobank limits? I tried to load $500 at WM the past several days without success. Getting error message saying, "Exceeds Card Load limit"?
Did you check the amount you loaded within 30-day rolling period?
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Old Feb 16, 19, 11:39 pm
  #605  
 
Join Date: May 2018
Posts: 47
Originally Posted by notalent View Post
My work must use an antiquated payroll system because I get an error "bank doesn't exist" when trying to update my DD with the gobank routing number (124303162)

Ally and USAA don't recognize it either. What other banks have people used to transfer money in?
I'd also like a better system, but USAA > PayPal > GoBank works
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Old Feb 17, 19, 3:40 pm
  #606  
 
Join Date: Sep 2014
Posts: 1,803
Originally Posted by DLScottsdaleMike View Post
Has anyone noticed recent changes in Gobank limits? I tried to load $500 at WM the past several days without success. Getting error message saying, "Exceeds Card Load limit"?
I tried to load 3 vgc into 3 different go bank accounts, on the 3rd vgc to the 3rd go bank, I got the same error.

I tried another time, and same error.

Not sure if it's having too many loads back to back. I've only loaded 1k for the statement period on the 3rd go bank account

I used my 1st account to load my 3rd vgc
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Old Feb 17, 19, 6:44 pm
  #607  
 
Join Date: Oct 2010
Location: ATL
Programs: Shamelessly still Gold at Flying Burrito and AirTrain A+ Elite. Turkish Star Gold
Posts: 657
Originally Posted by DLScottsdaleMike View Post
Has anyone noticed recent changes in Gobank limits? I tried to load $500 at WM the past several days without success. Getting error message saying, "Exceeds Card Load limit"?
Same here. #0 day rolling period is just $1500. Something weird happening.
Minos is offline  
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Old Feb 17, 19, 8:24 pm
  #608  
 
Join Date: Jun 2018
Posts: 1
I have the same problem. I only have 2 gobank cards and the first one yesterday I tried to load $100 and got the exceeded limit error and tried again at another Walmart same day, same error. Tried again a day later still with the same message. My 2nd gobank card also received the error message.
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Old Feb 18, 19, 9:49 am
  #609  
 
Join Date: Aug 2015
Posts: 473
Originally Posted by Ect828 View Post
I have the same problem. I only have 2 gobank cards and the first one yesterday I tried to load $100 and got the exceeded limit error and tried again at another Walmart same day, same error. Tried again a day later still with the same message. My 2nd gobank card also received the error message.
yep, same here... showing 'exceeded limit' error after trying to swipe the same gobank card the 3rd time attempting another load for $100 mcgc; aware of the max of $500 per load & up to $1,100 per day but didn't realize that a 3rd swipe is a no go, correct?
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Old Feb 18, 19, 10:52 am
  #610  
 
Join Date: Oct 2010
Location: ATL
Programs: Shamelessly still Gold at Flying Burrito and AirTrain A+ Elite. Turkish Star Gold
Posts: 657
BTW, I know that few people use it but the ability to pre-authorize checks on the Desktop application has vanished.
When I try to pre-authorize on the phone application, it works well but the balance is not adjusted.
I am wondering if Gobank is getting rid of the annoying pre-authorization thing.
Minos
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Old Feb 18, 19, 1:51 pm
  #611  
 
Join Date: Nov 2015
Programs: DL PM, Marriott Gold, HH Diamond
Posts: 799
Prepare yourselves...times are a changing
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Old Feb 18, 19, 5:20 pm
  #612  
 
Join Date: Sep 2014
Posts: 1,803
Originally Posted by pharmawalk View Post
Prepare yourselves...times are a changing
is it a shutdown for loading if we get the exceeded error?
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Old Feb 18, 19, 5:42 pm
  #613  
 
Join Date: Jul 2004
Posts: 366
Originally Posted by danhouston View Post
yep, same here... showing 'exceeded limit' error after trying to swipe the same gobank card the 3rd time attempting another load for $100 mcgc; aware of the max of $500 per load & up to $1,100 per day but didn't realize that a 3rd swipe is a no go, correct?
You have the limits wrong. It's $1100 max per transaction, and $2500 max per day. But it has been glitchy for me lately, consistent with what others are experiencing.
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Old Feb 18, 19, 6:26 pm
  #614  
 
Join Date: Jun 2015
Posts: 576
Originally Posted by jonnydoe1234 View Post
You have the limits wrong. It's $1100 max per transaction, and $2500 max per day. But it has been glitchy for me lately, consistent with what others are experiencing.
I think you have the limits wrong. It used to be around $1K/transaction and was changed to around $500 couple of months back
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Old Feb 18, 19, 8:17 pm
  #615  
 
Join Date: Feb 2012
Posts: 1,551
I'm not sure if my DP is related to the above described problem, so I'll let you decide. I don't have a Gobank account, but occasionally buy Greendot VGC's at Walmarts to dispose of like any other VGC. Today I tried making a purchase containing such VGC, and it was initially approved. The full preapproved amount is also shown online. But the final receipt shows that the VGC was not activated, "WM Debit Declined, Reason 14". The amount of $504.94 is shown as refunded on the receipt.
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