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)
Nov 7, 2019, 2:24 pm
#871
Join Date: Apr 2019
Posts: 75
My local Walmart (Southern CA) told me that they do not allow the GObank card to be loaded with any kind of Visa Gift cards since about 1-2 month ago 
!
Corporate sent them a memo stating that GC were excluded due to "fraud risks".
They also do not allow GC for MO or Billpay....
!Corporate sent them a memo stating that GC were excluded due to "fraud risks".
They also do not allow GC for MO or Billpay....
Nov 7, 2019, 5:23 pm
#872
Join Date: May 2012
Location: SoCal
Posts: 30
How would I buy GCs that hides the fact that they are gift cards? I previously bought a few GC with my name on them from giftcardmall.com. However, they also showed "Gift Card" on them.. Do you have any suggestions?
In any case, I can't buy from giftcardmall.com or giftcards.com anymore. Every time I try, the order is cancelled.
Also, I need to buy some the GCs at grocery stores to meet min spend on an AmExp card.
In any case, I can't buy from giftcardmall.com or giftcards.com anymore. Every time I try, the order is cancelled
.Also, I need to buy some the GCs at grocery stores to meet min spend on an AmExp card.
Nov 8, 2019, 8:35 am
#874
Join Date: Sep 2014
Posts: 202
My local Walmart (Southern CA) told me that they do not allow the GObank card to be loaded with any kind of Visa Gift cards since about 1-2 month ago !
Corporate sent them a memo stating that GC were excluded due to "fraud risks".
They also do not allow GC for MO or Billpay....
!Corporate sent them a memo stating that GC were excluded due to "fraud risks".
They also do not allow GC for MO or Billpay....
Second rule of GCs at WM, YOU DON'T TALK ABOUT GCs at WM.
I suspect you burnt that WM. As you can see from the thread, it's BAU for many, including me who loaded at my local yesterday. Please take the time to read the thread, yes it's long but the information is there. There is a search bar to look for keywords.
Nov 8, 2019, 10:03 am
#875
Join Date: May 2014
Location: LAX
Programs: AA, UA, DL, NSA, CIA, MIB
Posts: 537
How would I buy GCs that hides the fact that they are gift cards? I previously bought a few GC with my name on them from giftcardmall.com. However, they also showed "Gift Card" on them.. Do you have any suggestions?
In any case, I can't buy from giftcardmall.com or giftcards.com anymore. Every time I try, the order is cancelled.
Also, I need to buy some the GCs at grocery stores to meet min spend on an AmExp card.
In any case, I can't buy from giftcardmall.com or giftcards.com anymore. Every time I try, the order is cancelled
.Also, I need to buy some the GCs at grocery stores to meet min spend on an AmExp card.
Good luck!
Nov 8, 2019, 12:39 pm
#877
Join Date: Jul 2009
Programs: Mileage Plus, AAdvantage
Posts: 424
Nov 9, 2019, 12:06 pm
#882
Join Date: Apr 2019
Posts: 75
My mistake, should have looked at my card instead of assuming this was the difference. I indeed have the MC version permanent card sent after activating in store kit and it has the chip and loads with no fees.
Nov 10, 2019, 5:06 pm
#883
Join Date: Jan 2010
Location: PDX
Programs: AS, AA, UA
Posts: 63
GoBank fraud?
Hi all - I recently experienced fraud on my Greendot/GoBank/Uber Debit card, and I've hear rumors of fraud against these cards being somewhat common.
More disturbingly, Greendot has completely failed to do any meaningful investigation of my fraud claims until I took extreme measures. They denied my claims, twice, without any apparent investigation whatsoever, nor did I receive communication from them (the promised "letter") either time. I didn't find out the claim was denied until I contacted them again.
I was finally able to get some action out of them using a scattershot strategy of filing a CFPB complaint(which was then forwarded to the Federal Reserve) and contacting the Greendot executive office. Not sure which one was ultimately successful.
Has anyone else out there experienced similar borderline criminal behavior from these slimy effers?
More disturbingly, Greendot has completely failed to do any meaningful investigation of my fraud claims until I took extreme measures. They denied my claims, twice, without any apparent investigation whatsoever, nor did I receive communication from them (the promised "letter") either time. I didn't find out the claim was denied until I contacted them again.
I was finally able to get some action out of them using a scattershot strategy of filing a CFPB complaint(which was then forwarded to the Federal Reserve) and contacting the Greendot executive office. Not sure which one was ultimately successful.
Has anyone else out there experienced similar borderline criminal behavior from these slimy effers?
Nov 11, 2019, 8:30 pm
#884
Join Date: Feb 2018
Posts: 165
Hi all - I recently experienced fraud on my Greendot/GoBank/Uber Debit card, and I've hear rumors of fraud against these cards being somewhat common.
More disturbingly, Greendot has completely failed to do any meaningful investigation of my fraud claims until I took extreme measures. They denied my claims, twice, without any apparent investigation whatsoever, nor did I receive communication from them (the promised "letter") either time. I didn't find out the claim was denied until I contacted them again.
I was finally able to get some action out of them using a scattershot strategy of filing a CFPB complaint(which was then forwarded to the Federal Reserve) and contacting the Greendot executive office. Not sure which one was ultimately successful.
Has anyone else out there experienced similar borderline criminal behavior from these slimy effers?
More disturbingly, Greendot has completely failed to do any meaningful investigation of my fraud claims until I took extreme measures. They denied my claims, twice, without any apparent investigation whatsoever, nor did I receive communication from them (the promised "letter") either time. I didn't find out the claim was denied until I contacted them again.
I was finally able to get some action out of them using a scattershot strategy of filing a CFPB complaint(which was then forwarded to the Federal Reserve) and contacting the Greendot executive office. Not sure which one was ultimately successful.
Has anyone else out there experienced similar borderline criminal behavior from these slimy effers?
Nov 12, 2019, 9:36 am
#885
Join Date: Apr 2014
Programs: Hilton - Diamond, IHG - Spire Amb
Posts: 901
Hi all - I recently experienced fraud on my Greendot/GoBank/Uber Debit card, and I've hear rumors of fraud against these cards being somewhat common.
More disturbingly, Greendot has completely failed to do any meaningful investigation of my fraud claims until I took extreme measures. They denied my claims, twice, without any apparent investigation whatsoever, nor did I receive communication from them (the promised "letter") either time. I didn't find out the claim was denied until I contacted them again.
I was finally able to get some action out of them using a scattershot strategy of filing a CFPB complaint(which was then forwarded to the Federal Reserve) and contacting the Greendot executive office. Not sure which one was ultimately successful.
Has anyone else out there experienced similar borderline criminal behavior from these slimy effers?
More disturbingly, Greendot has completely failed to do any meaningful investigation of my fraud claims until I took extreme measures. They denied my claims, twice, without any apparent investigation whatsoever, nor did I receive communication from them (the promised "letter") either time. I didn't find out the claim was denied until I contacted them again.
I was finally able to get some action out of them using a scattershot strategy of filing a CFPB complaint(which was then forwarded to the Federal Reserve) and contacting the Greendot executive office. Not sure which one was ultimately successful.
Has anyone else out there experienced similar borderline criminal behavior from these slimy effers?