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)
Mar 15, 2016, 3:21 am
#107
Join Date: Feb 2015
Posts: 319
Has anyone had any problems recently loading their GB at KATE? I am 0-4 the past few days. The first two times on my personal card after I entered the PIN, KATE asked me if I wanted to cancel all my items and start over. I selected no and the machine basically crapped out, stating that it needed to be reset because of a fatal error. So I went to a different store and the same thing happened again, except I pressed yes to canceling and the machine just went back to the home screen. I then tried loading my Serve card and got the dreaded 9 digit PIN. So I then go to another Walmart and tried using my wife's GB card and it allowed me to get all the way through, except it came back with tender not allowed. I tried with a different gebit and same result. I worry that my personal card has been shut down since it would not allow me to advance further than entering the PIN, however everything appears normal when I log into my account. Has anyone else experienced these same issues and if so, was there anything that you differently to fix it? Also, I have only loaded via KATE and do not know if loading at the register is any different than loading a Bluebird/Serve. Any input would be greatly appreciated. And every time I tried to load, I pressed the Moneycard option to reload if that matters. And also they are Vanilla gebits.
Mar 15, 2016, 5:54 am
#108
Join Date: Dec 2014
Posts: 169
You know, a lot of people here complain about the snark and negative responses people put out when someone asks a dumb question. But I find that this is, at least in my case, the best way for someone to highlight how much of an idiot I am being. Thank you for this, I appreciate the reply.
Mar 15, 2016, 7:25 am
#109
Join Date: Feb 2015
Posts: 319
You know, a lot of people here complain about the snark and negative responses people put out when someone asks a dumb question. But I find that this is, at least in my case, the best way for someone to highlight how much of an idiot I am being. Thank you for this, I appreciate the reply.
Mar 15, 2016, 7:51 am
#110
Join Date: Oct 2014
Posts: 827
You know, a lot of people here complain about the snark and negative responses people put out when someone asks a dumb question. But I find that this is, at least in my case, the best way for someone to highlight how much of an idiot I am being. Thank you for this, I appreciate the reply.
Mar 15, 2016, 10:31 am
#111
Join Date: Jul 2012
Posts: 274
You know, a lot of people here complain about the snark and negative responses people put out when someone asks a dumb question. But I find that this is, at least in my case, the best way for someone to highlight how much of an idiot I am being. Thank you for this, I appreciate the reply.
Mar 15, 2016, 11:03 am
#112
Join Date: Dec 2014
Posts: 169
Mar 15, 2016, 1:51 pm
#114
Join Date: Dec 2014
Posts: 169
Mar 16, 2016, 5:56 am
#115
Join Date: Oct 2015
Posts: 39
The option right above Bluebird, which is Moneycard. And I can't speak for all banks, but all I have seen concerning reports about ACH push and direct deposit indicates it will. I personally have had success with Alliant CU. But then again, what do I know. I am the guy who tried to load with a Vanilla card...
Mar 30, 2016, 11:06 pm
#116
Join Date: Feb 2014
Posts: 22
Bought 2 gb cards at wallies for my wife and myself. Had some issue with internet connection setting up my wife's and was unable to get the card fully activated and their system wouldn't let me sign the card up again later, either. No biggie, figured I'd just drain the $20 on the card and move on. Well, instead of draining the $20 (which I'm positive is all I put on there), a full payment of just under $40 was accepted. Was tempted to see how far I could milk that, but thought better of it. Now I'm wondering what the repercussions to that overcharge might be...
Also, if someone wouldn't mind, what is the wiki talking about when it says swipes are recommended? Does that mean making some purchases with it?
Also, if someone wouldn't mind, what is the wiki talking about when it says swipes are recommended? Does that mean making some purchases with it?
Apr 8, 2016, 8:50 am
#117
Join Date: Feb 2016
Posts: 829
What is the advantage of the GO card? If you can use the VGCs to pay the bill, other than $1.88 cost per 2K for checkfree BP
Are you able to Bill pay in large chunk such as 3K, 5K at a time to reduce the number of payments to your CC which is frown by the CC issuer.
Are you able to Bill pay in large chunk such as 3K, 5K at a time to reduce the number of payments to your CC which is frown by the CC issuer.
Last edited by Gitangali; Apr 8, 2016 at 5:32 pm
Apr 9, 2016, 4:26 pm
#118
Join Date: Dec 2015
Location: Houston
Programs: DL Platinum, UA Silver
Posts: 37
Admittedly didn't read most of this thread, so I might have missed a step, but I tried to load a $500 Blackhawk Network VGC today with a newly purchased GoCard, the KATE shot out a receipt at me saying "DEBIT NOT APPROVED CALL AUTHORIZER."
When I log on to GoWallet, I see that the sale reversed and I still have $500 on the VGC.
When I log on to GoWallet, I see that the sale reversed and I still have $500 on the VGC.
Apr 10, 2016, 4:01 pm
#119
Join Date: Dec 2015
Location: DCA
Posts: 818
Apologies if this is a silly question - but can you reload at non-WM locations (e.g. Rite Aid) using a OVGC? Their website and marketing materials make it seems like you have to reload with cash, but I'm assuming the reference to Rite-Aid in the Wiki means they take VGCs (since reloading with cash would be pointless)? Is there a loading fee for that? Have some $500 OVGCs I'm trying to liquidate. Thanks!
Apr 11, 2016, 10:03 pm
#120
Join Date: Dec 2015
Location: Houston
Programs: DL Platinum, UA Silver
Posts: 37
Admittedly didn't read most of this thread, so I might have missed a step, but I tried to load a $500 Blackhawk Network VGC today with a newly purchased GoCard, the KATE shot out a receipt at me saying "DEBIT NOT APPROVED CALL AUTHORIZER."
When I log on to GoWallet, I see that the sale reversed and I still have $500 on the VGC.
When I log on to GoWallet, I see that the sale reversed and I still have $500 on the VGC.