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 31, 2021, 1:04 pm
#1366
Join Date: Apr 2021
Posts: 60
Has anyone had problems in loading GoBank card using Metabank vgc recently? On 7/28, I went to regular cashier and tried to load $500, but I swiped Metabank vgc three times and got declined (Debit Not Available). I then swiped another Metabank vgc twice and still got declined. I successfully loaded $500 (one swipe) on 7/23 at the same Walmart. My friend swiped four times and got declined at the same Walmart at the same day. I did not have a chance to load $99.
Jul 31, 2021, 8:15 pm
#1369
Join Date: Dec 2008
Location: DUB-BOS
Programs: various
Posts: 3,690
Probably 30% of the time it takes more than one swipe to get a clean read on meta these days, which is a bit of a pain. My theory, (completely unfounded) is there is some sort of database look-up of the BIN going on and sometimes it times out giving the errors. This only started when they brought in the 99 limit at MC
Aug 2, 2021, 2:47 pm
#1370
Join Date: Jul 2020
Posts: 2
Free loads via mobile barcode are still a thing with the Unlimited account, yes. Unfortunately, it's no longer available for new customers--closest thing is the Cash Back card, but it comes with a $9.95 monthly fee that can't be waived. No idea if it's available in any other Green Dot product.
Aug 3, 2021, 5:31 pm
#1371
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,439
Free loads via mobile barcode are still a thing with the Unlimited account, yes. Unfortunately, it's no longer available for new customers--closest thing is the Cash Back card, but it comes with a $9.95 monthly fee that can't be waived. No idea if it's available in any other Green Dot product.
I did not have any idea what she was talking about, since there was no mention anywhere that my Go Bank card could be loaded using a bar code.
I suspect that she was mixing up my Go account with the Unlimited account at that time.
There is absolutely nothing is any of the Go information about loading with a bar code. If someone can find the info, could the post it or PM me if they are hesitant to do so?
Aug 5, 2021, 2:37 pm
#1372
Join Date: Feb 2015
Posts: 319
Interestingly, I was told by customer service at the time of the $3.74 fee debacle that I could load my Go Bank card using a barcode without a fee.
I did not have any idea what she was talking about, since there was no mention anywhere that my Go Bank card could be loaded using a bar code.
I suspect that she was mixing up my Go account with the Unlimited account at that time.
There is absolutely nothing is any of the Go information about loading with a bar code. If someone can find the info, could the post it or PM me if they are hesitant to do so?
I did not have any idea what she was talking about, since there was no mention anywhere that my Go Bank card could be loaded using a bar code.
I suspect that she was mixing up my Go account with the Unlimited account at that time.
There is absolutely nothing is any of the Go information about loading with a bar code. If someone can find the info, could the post it or PM me if they are hesitant to do so?
Aug 5, 2021, 4:28 pm
#1373
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,439
Aug 6, 2021, 10:26 am
#1375
Join Date: Feb 2015
Posts: 319
I was shut down, so I don’t have the app to pull up the info any more.
Aug 6, 2021, 7:08 pm
#1376
Join Date: Jul 2020
Posts: 2
CVS, Rite Aid, and Walgreens are also options, but Walmart is (AFAIK) the only one that allows you to load from a debit card. The others are cash-only.
Aug 7, 2021, 7:00 am
#1377
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,439
I tried attaching some screenshots of the process in my Green Dot app (not the same as the GoBank app, but similar interface), but I'm apparently still too new to even attach images to posts. 😂 The Green Dot process is 1) choose "Deposit" from the menu, 2) choose "Deposit Cash", 3) choose "Create a Deposit Code", and 4) choose "Walmart." The barcode is then generated and is valid for one hour.
CVS, Rite Aid, and Walgreens are also options, but Walmart is (AFAIK) the only one that allows you to load from a debit card. The others are cash-only.
CVS, Rite Aid, and Walgreens are also options, but Walmart is (AFAIK) the only one that allows you to load from a debit card. The others are cash-only.
Unfortunately, with the Go Bank app, pushing the deposit icon brings you to a screen which gives you the choices of making a bank transfer, depositing cash or a check and direct deposit.
Pressing "Deposit cash" brings up a screen which simply says "Take your Go Bank debit card to any participating retail store. Swipe your card and hand over the cash and it will be deposited into your account automatically"
There is nothing else to press and no further action can be taken on this screen.
I have yet to find any way to generate a bar cade with the Go Bank app.
BTW, it does appear that this app and card are obsolete and that there is no longer any way to sign up for this type of account. The new "Go 2 Bank" account looks better than my current one but I wonder if one can still deposit into the account using debit cards. I would like to hear from anyone on their experiences with the new Go. TIA
Aug 13, 2021, 1:22 am
#1378
Join Date: May 2012
Posts: 89
I'm wondering the same, I would assume so since even the original GoBank doesn't talk about debit loads.
Aug 13, 2021, 5:38 am
#1379
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,439
However, we know from experience that the old Go will load using debit cards even though it is not discussed in the T&C's of the account.
I do not see anything in the promotional literature on new Go about that capability. I am hoping that someone has already tried and succeeded and will let us know
Aug 13, 2021, 7:02 pm
#1380
Join Date: Apr 2019
Posts: 251
I have a Go2Bank card. So far it's worthless for me. What worked as DD for GoBank hasn't worked for Go2Bank so I'm getting charged $5/month. Haven't been able to do transfers from any debits even with the 1.5% fee. Haven't tried WM, since I have the no fee card. Still experimenting but about ready to give up. Would love to hear anybody having success (for our purposes) with this card.