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)
Jan 3, 2020, 6:04 pm
#932
Join Date: Oct 2014
Location: Northern Virginia
Posts: 89
Jan 3, 2020, 8:22 pm
#933
Join Date: Jan 2012
Programs: Marriott/SPG Plat, Hilton Gold
Posts: 887
I have a Walmart MoneyCard Preferred (Visa). This was an upscale rebranded GoBank product, that allowed you to personalize the card with a photo applied to the full front. I assumed they'd replace with boring standard WM card. Few weeks agon, they sent me a new card WITH THE PICTURE and it's now a Chip card. 
Jan 3, 2020, 10:04 pm
#934
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
I recently got one go bank card in Walmart for myself and one for my spouse. just noticed that the 2 permanent cards we just received, one with Chip, the other no Chip, no sure why, both Mastercard.
Jan 5, 2020, 3:46 pm
#936
Join Date: Nov 2010
Location: BWI,SFO,SJC,IAD,LAX,DCA
Programs: mvp75k, DL-0body
Posts: 310
I don't think you can load BB or go cards at the self kiosks. These days loading at the register is hit or miss. I believe they all can but some cashiers either don't want to deal with it or they don't know how. I often hv to walk them through what codes to use for a reload. When that doesn't work, I go to MC
Now I receive the permanent one, try to load it twice with 1kSimon at wally MC, both ask me for 3.94 load fee ?
Jan 5, 2020, 8:52 pm
#937
Join Date: Aug 2015
Posts: 2,061
Jan 17, 2020, 4:02 am
#941
Join Date: May 2016
Posts: 58
Hi,
I tried to buy a GoBank card at Walmart today and load $400 with visa gift card. The cashier at Money center said I cannot buy the card with credit and have to buy and load the card at the same time with the debit card, is that true? I cannot buy the GoBank card and use my credit card to pay the $2.95 fee then load with debit card? Then I said ok I will pay and load at the same time with debit card. But when he saw I tried to use my visa gift card, he told me I cannot load with visa gift card. How is everyone here loading their GoBank card at Walmart??
Thanks.
I tried to buy a GoBank card at Walmart today and load $400 with visa gift card. The cashier at Money center said I cannot buy the card with credit and have to buy and load the card at the same time with the debit card, is that true? I cannot buy the GoBank card and use my credit card to pay the $2.95 fee then load with debit card? Then I said ok I will pay and load at the same time with debit card. But when he saw I tried to use my visa gift card, he told me I cannot load with visa gift card. How is everyone here loading their GoBank card at Walmart??
Thanks.
Last edited by bunny425; Jan 17, 2020 at 4:44 am
Jan 17, 2020, 8:13 am
#942
Join Date: Apr 2019
Posts: 75
Hi,
I tried to buy a GoBank card at Walmart today and load $400 with visa gift card. The cashier at Money center said I cannot buy the card with credit and have to buy and load the card at the same time with the debit card, is that true? I cannot buy the GoBank card and use my credit card to pay the $2.95 fee then load with debit card? Then I said ok I will pay and load at the same time with debit card. But when he saw I tried to use my visa gift card, he told me I cannot load with visa gift card. How is everyone here loading their GoBank card at Walmart??
Thanks.
I tried to buy a GoBank card at Walmart today and load $400 with visa gift card. The cashier at Money center said I cannot buy the card with credit and have to buy and load the card at the same time with the debit card, is that true? I cannot buy the GoBank card and use my credit card to pay the $2.95 fee then load with debit card? Then I said ok I will pay and load at the same time with debit card. But when he saw I tried to use my visa gift card, he told me I cannot load with visa gift card. How is everyone here loading their GoBank card at Walmart??
Thanks.
Jan 18, 2020, 1:50 am
#944
Join Date: May 2016
Posts: 58
What is the best way to load visa gift card? Meaning should I tell the CSR I want to load $400 to GoBank card but with 2 different debit cards? or should I just say I want to do two separate loads and each load with $200?
Thanks.
Last edited by bunny425; Jan 18, 2020 at 2:09 am
Jan 18, 2020, 4:27 pm
#945
Join Date: Jan 2020
Posts: 8
My experience is that it does not. I have a biweekly transfer from my bank for $250 to avoid the monthly fee and routinely load $3K per month at WM. I have been doing this on two cards for years and have never had a problem. Over the years the maximum amount of each load has shrunk. It used to be $1000, then $800. Now it's down to $500 per load. Totals of all loads cannot exceed $2500 per day, $3000 every 30 days.
Do you happen to know how GB counts "every 30 days"? Is it a calendar month or a rolling 30-day period? Thanks in advance!