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)
May 2, 2021, 5:28 am
#1261
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,418
That has been my finding as well.
I cannot load a GoBank card with a MCGC at the cashier or the MC. These are the $200 variety issued by Meta.
I am buying almost no MCGCs these days due to liquidation issues.
I cannot load a GoBank card with a MCGC at the cashier or the MC. These are the $200 variety issued by Meta.
I am buying almost no MCGCs these days due to liquidation issues.
May 2, 2021, 5:39 am
#1262
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
May 2, 2021, 8:59 am
#1263
Join Date: Aug 2015
Posts: 2,061
any folks has DP that loading still works with mcgc $99? thx
Last edited by danhouston; May 2, 2021 at 11:13 am
Jul 8, 2021, 9:54 pm
#1264
Join Date: Dec 2020
Programs: Delta Diamond (MM) | Hertz President's Circle
Posts: 158
Finally got shutdown by GreenDot on the main three platforms: GoBank, Green Dot Unlimited and Walmart MoneyCard.
I was successful with staying under the radar for over 4 years by strictly following guidelines that I set (and adjusted) by monitoring shutdowns reported here on the forum. They must have recently changed their threshold or I was amazingly lucky for a very long time.
As others reported, it's Green Dot-wide so all cards/accounts closed at the same time with no ability to know which card's activity started the chain reaction.
I would offer more detail but without knowing what's pertinent, it would just be rambling.
Open to answer questions, however.
Be careful out there if you need your accounts!
-b.
I was successful with staying under the radar for over 4 years by strictly following guidelines that I set (and adjusted) by monitoring shutdowns reported here on the forum. They must have recently changed their threshold or I was amazingly lucky for a very long time.
As others reported, it's Green Dot-wide so all cards/accounts closed at the same time with no ability to know which card's activity started the chain reaction.
I would offer more detail but without knowing what's pertinent, it would just be rambling.
Open to answer questions, however.
Be careful out there if you need your accounts!
-b.
Jul 9, 2021, 7:02 am
#1265
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
Finally got shutdown by GreenDot on the main three platforms: GoBank, Green Dot Unlimited and Walmart MoneyCard.
I was successful with staying under the radar for over 4 years by strictly following guidelines that I set (and adjusted) by monitoring shutdowns reported here on the forum. They must have recently changed their threshold or I was amazingly lucky for a very long time.
As others reported, it's Green Dot-wide so all cards/accounts closed at the same time with no ability to know which card's activity started the chain reaction.
I would offer more detail but without knowing what's pertinent, it would just be rambling.
Open to answer questions, however.
Be careful out there if you need your accounts!
-b.
I was successful with staying under the radar for over 4 years by strictly following guidelines that I set (and adjusted) by monitoring shutdowns reported here on the forum. They must have recently changed their threshold or I was amazingly lucky for a very long time.
As others reported, it's Green Dot-wide so all cards/accounts closed at the same time with no ability to know which card's activity started the chain reaction.
I would offer more detail but without knowing what's pertinent, it would just be rambling.
Open to answer questions, however.
Be careful out there if you need your accounts!
-b.
Jul 9, 2021, 7:27 am
#1266
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,418
Finally got shutdown by GreenDot on the main three platforms: GoBank, Green Dot Unlimited and Walmart MoneyCard.
I was successful with staying under the radar for over 4 years by strictly following guidelines that I set (and adjusted) by monitoring shutdowns reported here on the forum. They must have recently changed their threshold or I was amazingly lucky for a very long time.
As others reported, it's Green Dot-wide so all cards/accounts closed at the same time with no ability to know which card's activity started the chain reaction.
I would offer more detail but without knowing what's pertinent, it would just be rambling.
Open to answer questions, however.
Be careful out there if you need your accounts!
-b.
I was successful with staying under the radar for over 4 years by strictly following guidelines that I set (and adjusted) by monitoring shutdowns reported here on the forum. They must have recently changed their threshold or I was amazingly lucky for a very long time.
As others reported, it's Green Dot-wide so all cards/accounts closed at the same time with no ability to know which card's activity started the chain reaction.
I would offer more detail but without knowing what's pertinent, it would just be rambling.
Open to answer questions, however.
Be careful out there if you need your accounts!
-b.
Specifically, how much did you load your cards and with what method and how often? Did you do direct deposit of money from an employer or some other method.
How did you unload your card. Were you paying only credit cards or were you using the cards for organic spend as well. What percentage of spend was organic versus MSing?
While it may appear to be random, whatever you were doing was enough to attract rats so any DPs would be helpful in driving them off
Jul 9, 2021, 2:40 pm
#1267
Join Date: Feb 2015
Posts: 319
Finally got shutdown by GreenDot on the main three platforms: GoBank, Green Dot Unlimited and Walmart MoneyCard.
I was successful with staying under the radar for over 4 years by strictly following guidelines that I set (and adjusted) by monitoring shutdowns reported here on the forum. They must have recently changed their threshold or I was amazingly lucky for a very long time.
As others reported, it's Green Dot-wide so all cards/accounts closed at the same time with no ability to know which card's activity started the chain reaction.
I would offer more detail but without knowing what's pertinent, it would just be rambling.
Open to answer questions, however.
Be careful out there if you need your accounts!
-b.
I was successful with staying under the radar for over 4 years by strictly following guidelines that I set (and adjusted) by monitoring shutdowns reported here on the forum. They must have recently changed their threshold or I was amazingly lucky for a very long time.
As others reported, it's Green Dot-wide so all cards/accounts closed at the same time with no ability to know which card's activity started the chain reaction.
I would offer more detail but without knowing what's pertinent, it would just be rambling.
Open to answer questions, however.
Be careful out there if you need your accounts!
-b.
Jul 12, 2021, 12:18 am
#1268
Join Date: Oct 2015
Location: HNL
Posts: 148
just ran into a $3.74 loading fee this evening, but it was only at one of my WM, another I visited right before was still no fee. Standard register and MC both added $3.74 fee. Loaded 2 days ago at this WM for no fee. No bueno.
Jul 12, 2021, 2:15 am
#1269
Join Date: Jul 2014
Location: JRF
Programs: AA Gold, Marriott Platinum, Hilton Diamond, National Executive Elite
Posts: 1,784
Jul 12, 2021, 6:33 am
#1270
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,418
Just loaded my Go Bank and the cashier had no control over the $3.74 fee, which I had to pay.
This is completely new.
So, good news is that I was able to load with a SMVGC, at this site. The bad is that this account has just become more limited.
Jul 12, 2021, 7:41 am
#1271
Suspended
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 4,412
You still can cancel the loading. So all GoBank cards have the fee?
Jul 12, 2021, 9:00 am
#1272
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,418
I could have cancelled but I was also dealing with last week's inability to use SMVGCs to load any of my cards at another previously reliable WM.
So my first job was to see if any loading was possible, fee or no fee.
I was able to use my SMVGC to load all 3 of my reloadables, BB, BB Visa and Go.
Only Go had the new fee which means to me that Go has changed it rules. However, there is no mention of it on the Go site, which still says that cash loads are fee free at WM.
Now someone needs to take some cash and see if loading cash itself is fee free or not.
So my first job was to see if any loading was possible, fee or no fee.
I was able to use my SMVGC to load all 3 of my reloadables, BB, BB Visa and Go.
Only Go had the new fee which means to me that Go has changed it rules. However, there is no mention of it on the Go site, which still says that cash loads are fee free at WM.
Now someone needs to take some cash and see if loading cash itself is fee free or not.
Jul 12, 2021, 9:54 am
#1273
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,418
Just called Go Bank help, which is really a Green Dot help center.
After explaining to the nice lady who sounded off-shore my experience this morning with making a cash equivalent deposit to my Go bank account, she told me that Green Dot reloadable cards have the $3.74 charge on them but Go cards should be free for cash and cash-like deposits (I used the term "debit card" deposit) at WM
My take away from this was that the WM cashier pushed the wrong button and the register thought that I was using a Green Dot card and not Go, and thusly charged me for the deposit.
I will await other people's DPs on this but I will not be making another deposit on Go for at least 1 or even 2 weeks, so hopefully others will chime in and provide DPs.
Bottom line.....MS education is never free
After explaining to the nice lady who sounded off-shore my experience this morning with making a cash equivalent deposit to my Go bank account, she told me that Green Dot reloadable cards have the $3.74 charge on them but Go cards should be free for cash and cash-like deposits (I used the term "debit card" deposit) at WM
My take away from this was that the WM cashier pushed the wrong button and the register thought that I was using a Green Dot card and not Go, and thusly charged me for the deposit.
I will await other people's DPs on this but I will not be making another deposit on Go for at least 1 or even 2 weeks, so hopefully others will chime in and provide DPs.
Bottom line.....MS education is never free
Jul 12, 2021, 12:37 pm
#1274
Join Date: Oct 2015
Location: HNL
Posts: 148
anyone have a moneycard they can test? It would seem ridiculous for something with "Walmart" in the branding to incur a fee, but not ridiculous for WM to just throw a fee over all greendot transactions.
I don't believe they have any control over something like that. The procedure is "70 action code", "1" to load, then dollar amount and tender type. The system itself appeared to throw the fee on right after I swiped my card, as I saw $3.74 on the screen before they entered my load amount
Nope
