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)
#798
Join Date: Apr 2019
Posts: 75
Temp purchased at Walmart (MC) and replaced with permanent card will require using chip but still no load fee for me. I think $500 is still max on temp card. I loaded $495+purchase fee initially without issue on VGC.
#800
Join Date: Jun 2012
Location: XNA
Programs: AA Gold, AS, HA, CX, AF, BA, UA, HH
Posts: 164
#801
Join Date: Jun 2012
Location: XNA
Programs: AA Gold, AS, HA, CX, AF, BA, UA, HH
Posts: 164
I have the same problem with my bank. Same message received as you. I wonder if it is a bank by bank issue? Called my bank and they don't have the routing number GoBank provides as the routing number they have for GoBank/GreenDot.
#802
Join Date: Apr 2019
Posts: 75
I don't pull, but my WF DD works fine each month for $500 using the information on my account page.
#803
Join Date: Nov 2014
Posts: 261
#804
Join Date: Nov 2008
Posts: 47
Right on! I use this method to fulfill the monthly DD req. I just am not sure how people were using ACH pulls directly from other banks. Right now it seems I can only push into the account and not pull from it. I even tried adding the debit card to Apple Cash and it said the bank isn’t supported.
#805
Join Date: Jun 2012
Location: XNA
Programs: AA Gold, AS, HA, CX, AF, BA, UA, HH
Posts: 164
Right on! I use this method to fulfill the monthly DD req. I just am not sure how people were using ACH pulls directly from other banks. Right now it seems I can only push into the account and not pull from it. I even tried adding the debit card to Apple Cash and it said the bank isn’t supported.
#806
Join Date: Aug 2019
Posts: 4
So I have a weird scenario I'm hoping anyone has any insight. I used the "Send" feature on GoBank to send myself some money on PayPal. It went in to my PayPal account and deducted from GoBank, ended up not needing the money and I refunded the PayPal transaction. I figured it would just go back on to my GoBank card immediately but nothing is showing up.
Now I'm wondering if they actually debited MY card when you do this (ie if I do a PayPal refund it goes back to the card it was debited from... me..) or if it's coming from an aggregated GoBank/Greendot PayPal account and when I refunded it, it just went back in to the abyss and not actually to me.
I called customer service but they didn't understand and I have no idea who I can email or write who might actually be able to help me with this.
Now I'm wondering if they actually debited MY card when you do this (ie if I do a PayPal refund it goes back to the card it was debited from... me..) or if it's coming from an aggregated GoBank/Greendot PayPal account and when I refunded it, it just went back in to the abyss and not actually to me.
I called customer service but they didn't understand and I have no idea who I can email or write who might actually be able to help me with this.
#807
Join Date: Dec 2013
Posts: 3,507
So I have a weird scenario I'm hoping anyone has any insight. I used the "Send" feature on GoBank to send myself some money on PayPal. It went in to my PayPal account and deducted from GoBank, ended up not needing the money and I refunded the PayPal transaction. I figured it would just go back on to my GoBank card immediately but nothing is showing up.
Now I'm wondering if they actually debited MY card when you do this (ie if I do a PayPal refund it goes back to the card it was debited from... me..) or if it's coming from an aggregated GoBank/Greendot PayPal account and when I refunded it, it just went back in to the abyss and not actually to me.
I called customer service but they didn't understand and I have no idea who I can email or write who might actually be able to help me with this.
Now I'm wondering if they actually debited MY card when you do this (ie if I do a PayPal refund it goes back to the card it was debited from... me..) or if it's coming from an aggregated GoBank/Greendot PayPal account and when I refunded it, it just went back in to the abyss and not actually to me.
I called customer service but they didn't understand and I have no idea who I can email or write who might actually be able to help me with this.
#809
Join Date: Jan 2012
Programs: Marriott/SPG Plat, Hilton Gold
Posts: 887