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.
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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)
Jul 7, 2020, 8:41 am
#1037
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 496
tired to load 1500 one transaction with 3x 500cards. after 3 swipes of 500 each, register printed out exceeded loading limit error paper. had to do 500 each. not sure why they set the freaking 500 per transaction, what kind of benefit do they have?
Jul 8, 2020, 9:13 pm
#1039
Join Date: Dec 2013
Posts: 3,507
It has been $500/transaction for awhile now. Not sure why GoBank decided to limit it to $500/transaction.
Jul 8, 2020, 9:38 pm
#1040
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
Well, those prepaid cards are for low income and young people who do not want to open bank accounts and pay bank fees. From its side, it does not make sense to have $2,500 daily limit like BB or Serve.
Jul 9, 2020, 4:56 pm
#1041
Join Date: Mar 2007
Location: S Cal
Programs: AA Lifetime Plat, United Silver, Marriott Plat, IHG Plat
Posts: 1,142
In my area, the actual daily load limit is whatever the WM money center rep will allow. These people make up their own rules. Since Covid-19 hit us, and once I put together enough courage to venture out of the house and back into WM (along with mask and hand sanitizer), I have been trying to do as many loads per day as possible in order to limit trips into WM.
I have 2 GB accounts (wife and myself). On a rare unicorn occasion, I have managed 6 loads (3 per account). Sometimes it's 4 loads max, sometimes 3, and occasionally I run into an enforcer who wants to limit me to 2 loads. I know the GB rules, but it's useless disagreeing with the rep and making a scene.
I have 2 GB accounts (wife and myself). On a rare unicorn occasion, I have managed 6 loads (3 per account). Sometimes it's 4 loads max, sometimes 3, and occasionally I run into an enforcer who wants to limit me to 2 loads. I know the GB rules, but it's useless disagreeing with the rep and making a scene.
Aug 18, 2020, 10:00 am
#1042
Join Date: Jul 2005
Location: Chicago, IL
Programs: AA EP; WN CP;UA SILVER; MARRIOTT TITANIUM; HH DIAMOND; IHG PLAT; RADISSON PLAT; HYATT GLOBAL
Posts: 1,938
I used my Go Bank card at ATM this weekend. When dispensing bills, the ATM got stuck and did not spit out money. Fortunately I did get a receipt saying transaction cancelled. Go Bank account states successful transaction. I am thinking first contacting ATM owner. Does anyone have any recommendations or DP on what happens and what to do, any contacts. TIA
Sep 18, 2020, 11:27 am
#1046
Join Date: Aug 2018
Posts: 206
Ok first time using gobank. I have one WM to work with since I live very rural and trying not to burn. Currently do 500 increment VGC from Safeway one at a time no problem. I want to avoid the money center.
So I can load Gobank (yes have PIN MC) at register with cashier and 500 swipe, then walk over to the MC and do a money order?
I don't like meta MC but my kroger has. So I could use MC to load Gobank and then VGC to buy MO?
So I can load Gobank (yes have PIN MC) at register with cashier and 500 swipe, then walk over to the MC and do a money order?
I don't like meta MC but my kroger has. So I could use MC to load Gobank and then VGC to buy MO?
Sep 18, 2020, 1:38 pm
#1047
Join Date: Jun 2020
Posts: 2
I cannot load money to GoBank at the Walmart register here. I am not sure the reason why. I used to be able to do that a while back so good luck if you can do it.
I buy MO and load goBank at MC. Loading money is no problem but if you buy MO everyday then they might ask for ID even if the MO is < $1000. I only load with VISA gc.
I buy MO and load goBank at MC. Loading money is no problem but if you buy MO everyday then they might ask for ID even if the MO is < $1000. I only load with VISA gc.
Sep 18, 2020, 7:46 pm
#1048
Join Date: Dec 2008
Location: DUB-BOS
Programs: various
Posts: 3,690
Ok first time using gobank. I have one WM to work with since I live very rural and trying not to burn. Currently do 500 increment VGC from Safeway one at a time no problem. I want to avoid the money center.
So I can load Gobank (yes have PIN MC) at register with cashier and 500 swipe, then walk over to the MC and do a money order?
I don't like meta MC but my kroger has. So I could use MC to load Gobank and then VGC to buy MO?
So I can load Gobank (yes have PIN MC) at register with cashier and 500 swipe, then walk over to the MC and do a money order?
I don't like meta MC but my kroger has. So I could use MC to load Gobank and then VGC to buy MO?
I 'think' MC's have the same issues for GoBank as they do for MO, but I never try because last thing I want is them to have to call a manager to unlock the system (when the same mgr probably saw me load GoBank at the MC 5 mins earlier). Usually hit the registers and the MC during my visits to WM. I try to minimize my visits to WM
Sep 18, 2020, 8:04 pm
#1049
Join Date: Aug 2018
Posts: 206
Register can load $500 max, but some stores have a verbal policy of lower limit so YMMV. Also some staff do not know what to do (tell them to hit '70 Action Code' and follow the screen prompts). Personally I mostly use GoBank to get rid of office stores 200's since they are a pain to use for MO. Never any issue loading 200.
I 'think' MC's have the same issues for GoBank as they do for MO, but I never try because last thing I want is them to have to call a manager to unlock the system (when the same mgr probably saw me load GoBank at the MC 5 mins earlier). Usually hit the registers and the MC during my visits to WM. I try to minimize my visits to WM
I 'think' MC's have the same issues for GoBank as they do for MO, but I never try because last thing I want is them to have to call a manager to unlock the system (when the same mgr probably saw me load GoBank at the MC 5 mins earlier). Usually hit the registers and the MC during my visits to WM. I try to minimize my visits to WM
Are office supply GC usually MC or visa?
Sep 18, 2020, 9:51 pm
#1050
Join Date: Dec 2008
Location: DUB-BOS
Programs: various
Posts: 3,690
Ok. No office supply stores near me so no 200s but has been annoying Safeway has been having bunch of fixed values sales lately that I couldn't pass up. Ok will just stick with visa and find real uses for any MC I need from Kroger. Grocery stores super important for me since drive a truck and fuel points are gold.
Are office supply GC usually MC or visa?
Are office supply GC usually MC or visa?