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)
Feb 17, 2018, 6:01 pm
#422
Join Date: Mar 2007
Location: S Cal
Programs: AA Lifetime Plat, United Silver, Marriott Plat, IHG Plat
Posts: 1,142
I disagree. After I was purged by Serve I have been unable to sign up for another Serve or BB card. The monthly (rolling 30 day) limit on GB is 3K, which is lower than Serve. Do be aware that GB has a monthly account fee (which I believe is $8.95), but that is waived if you set up a $500 monthly direct deposit.
See post 415 above. After a few months of good behavior, perhaps you'd be able to push the limit some.
My level of MS is way down compared to a few years ago (when I had 3 Serve accounts and also several local WMs that were cooperative on MOs). I'm down to GB and MOs at local grocery stores, so GB is still a good chunk of my monthly MS total.
See post 415 above. After a few months of good behavior, perhaps you'd be able to push the limit some.
My level of MS is way down compared to a few years ago (when I had 3 Serve accounts and also several local WMs that were cooperative on MOs). I'm down to GB and MOs at local grocery stores, so GB is still a good chunk of my monthly MS total.
Feb 17, 2018, 6:04 pm
#423
Join Date: Mar 2007
Location: S Cal
Programs: AA Lifetime Plat, United Silver, Marriott Plat, IHG Plat
Posts: 1,142
I'm on vacation in Palm Desert, CA. I tried using my GC.Com VGCs at 2 different WM locations (at the Money Center) to load my GoBank card. Both transactions failed. Is anyone having simular issues?
I should add:
1. One of these stores worked fine a few days ago
2. GC.Com shows that my cards have the correct balance
3. I tried several different cards. It's unlikely that all have bad mag stripes
(also posted in the gc.Com thread)
I should add:
1. One of these stores worked fine a few days ago
2. GC.Com shows that my cards have the correct balance
3. I tried several different cards. It's unlikely that all have bad mag stripes
(also posted in the gc.Com thread)
Feb 17, 2018, 8:30 pm
#424
Join Date: Sep 2015
Posts: 305
I disagree. After I was purged by Serve I have been unable to sign up for another Serve or BB card. The monthly (rolling 30 day) limit on GB is 3K, which is lower than Serve. Do be aware that GB has a monthly account fee (which I believe is $8.95), but that is waived if you set up a $500 monthly direct deposit.
See post 415 above. After a few months of good behavior, perhaps you'd be able to push the limit some.
My level of MS is way down compared to a few years ago (when I had 3 Serve accounts and also several local WMs that were cooperative on MOs). I'm down to GB and MOs at local grocery stores, so GB is still a good chunk of my monthly MS total.
See post 415 above. After a few months of good behavior, perhaps you'd be able to push the limit some.
My level of MS is way down compared to a few years ago (when I had 3 Serve accounts and also several local WMs that were cooperative on MOs). I'm down to GB and MOs at local grocery stores, so GB is still a good chunk of my monthly MS total.
Feb 18, 2018, 9:18 am
#425
Join Date: Nov 2015
Programs: DL, Marriott & IHG Platty; HH Diamonte
Posts: 861
thank you for the info! I mostly do MOs in WMs, but since I have to be in WMs anyway, I thought I might try to drain VGCs from Staples and OM (those $200 and $300 ones) via GB. Besides, from what I understand, you can load your GB at a regular checkout, not necessarily at the MC. I might give it a try, for what it's worth.
Edit: Do everyone a favor and don't show the cashier something that obviously says GIFT on it when you inevitably get asked ... have a real debit card ready to show them.
Last edited by pharmawalk; Feb 19, 2018 at 6:59 am
Feb 21, 2018, 7:10 am
#429
Join Date: May 2016
Programs: Various
Posts: 35
I load from my side of the register. Sometimes the cashier swipes the GB card on their side, but I always swipe the GC on my side. And I've occasionally had cashiers tell me that their limit is $200, so I think loading $200 is probably less conspicuous than loading $500. Then again, I only load one at a time, not multiples. I'm sure trying to load multiples would be more of a red flag.
Feb 21, 2018, 9:08 am
#430
Join Date: Dec 2008
Location: DUB-BOS
Programs: various
Posts: 3,690
I load from my side of the register. Sometimes the cashier swipes the GB card on their side, but I always swipe the GC on my side. And I've occasionally had cashiers tell me that their limit is $200, so I think loading $200 is probably less conspicuous than loading $500. Then again, I only load one at a time, not multiples. I'm sure trying to load multiples would be more of a red flag.
Mar 3, 2018, 9:24 am
#431
Join Date: May 2016
Posts: 34
Folks,
I need some guidance/help/suggestion for dealing with gobank.
I have been using my friend's card for almost two years, DD from my Ally, and paying my CCs, plus liquidating gift cards. For some reason, Ally swept all my external accounts two months ago and suspended this one. I guess because the name does not match.
Then gobank blocked my account as well. The problem is that I have some money inside, they won't allow me to use it until the block is lifted. My friend was helping me to call and providing IDs they required. However, after a whole month and more than dozen calls. The case goes nowhere. The customer service representative simply keeps telling me that they didn't get a response from internal fraud investigation team. And it looks any escalation failed. We have talked to the fraud team multiple times, no result at all. They said they would call us back from the corporate, it never happened.
So, what the next step that we can do to get the money back? BBB? CFPD? Any other suggestion?
TIA
I need some guidance/help/suggestion for dealing with gobank.
I have been using my friend's card for almost two years, DD from my Ally, and paying my CCs, plus liquidating gift cards. For some reason, Ally swept all my external accounts two months ago and suspended this one. I guess because the name does not match.
Then gobank blocked my account as well. The problem is that I have some money inside, they won't allow me to use it until the block is lifted. My friend was helping me to call and providing IDs they required. However, after a whole month and more than dozen calls. The case goes nowhere. The customer service representative simply keeps telling me that they didn't get a response from internal fraud investigation team. And it looks any escalation failed. We have talked to the fraud team multiple times, no result at all. They said they would call us back from the corporate, it never happened.
So, what the next step that we can do to get the money back? BBB? CFPD? Any other suggestion?
TIA
Mar 3, 2018, 9:51 am
#432
Original Member
Join Date: May 1998
Location: West Palm Beach, FL, USA
Programs: AA EXP, Hilton Gold, Marriott Platinum, ALL Gold
Posts: 206
Folks,
I need some guidance/help/suggestion for dealing with gobank.
I have been using my friend's card for almost two years, DD from my Ally, and paying my CCs, plus liquidating gift cards. For some reason, Ally swept all my external accounts two months ago and suspended this one. I guess because the name does not match.
Then gobank blocked my account as well. The problem is that I have some money inside, they won't allow me to use it until the block is lifted. My friend was helping me to call and providing IDs they required. However, after a whole month and more than dozen calls. The case goes nowhere. The customer service representative simply keeps telling me that they didn't get a response from internal fraud investigation team. And it looks any escalation failed. We have talked to the fraud team multiple times, no result at all. They said they would call us back from the corporate, it never happened.
So, what the next step that we can do to get the money back? BBB? CFPD? Any other suggestion?
TIA
I need some guidance/help/suggestion for dealing with gobank.
I have been using my friend's card for almost two years, DD from my Ally, and paying my CCs, plus liquidating gift cards. For some reason, Ally swept all my external accounts two months ago and suspended this one. I guess because the name does not match.
Then gobank blocked my account as well. The problem is that I have some money inside, they won't allow me to use it until the block is lifted. My friend was helping me to call and providing IDs they required. However, after a whole month and more than dozen calls. The case goes nowhere. The customer service representative simply keeps telling me that they didn't get a response from internal fraud investigation team. And it looks any escalation failed. We have talked to the fraud team multiple times, no result at all. They said they would call us back from the corporate, it never happened.
So, what the next step that we can do to get the money back? BBB? CFPD? Any other suggestion?
TIA
Good luck.
Mar 3, 2018, 1:21 pm
#434
Join Date: Jul 2014
Posts: 3,688
Folks,
I have been using my friend's card for almost two years, DD from my Ally, and paying my CCs, plus liquidating gift cards. For some reason, Ally swept all my external accounts two months ago and suspended this one. I guess because the name does not match.
Then gobank blocked my account as well. The problem is that I have some money inside, they won't allow me to use it until the block is lifted. My friend was helping me to call and providing IDs they required. However, after a whole month and more than dozen calls. The case goes nowhere. The customer service representative simply keeps telling me that they didn't get a response from internal fraud investigation team. And it looks any escalation failed. We have talked to the fraud team multiple times, no result at all. They said they would call us back from the corporate, it never happened.
So, what the next step that we can do to get the money back? BBB? CFPD? Any other suggestion?
I have been using my friend's card for almost two years, DD from my Ally, and paying my CCs, plus liquidating gift cards. For some reason, Ally swept all my external accounts two months ago and suspended this one. I guess because the name does not match.
Then gobank blocked my account as well. The problem is that I have some money inside, they won't allow me to use it until the block is lifted. My friend was helping me to call and providing IDs they required. However, after a whole month and more than dozen calls. The case goes nowhere. The customer service representative simply keeps telling me that they didn't get a response from internal fraud investigation team. And it looks any escalation failed. We have talked to the fraud team multiple times, no result at all. They said they would call us back from the corporate, it never happened.
So, what the next step that we can do to get the money back? BBB? CFPD? Any other suggestion?
When dealing with this bank, great when it works but once you encounter problems, you need the patience of Job to get your issue(s) resolved. Your issue is different from mine but if you don't get answers, try CFPB. Good luck!