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)
Aug 24, 2018, 7:53 am
#526
Join Date: May 2017
Location: USA
Posts: 207
I wasn't going to post my experience, but I saw a second DP on Reddit, so I figure I should share.
I opened a GoBank account for the first time early August. My card arrived with a Visa logo on it. I go to WalMart cashier to load $20 with my actual debit for $20 just as a test. I was charged $3.74. I asked the customer service desk what was up, and they said it's a recent change. Rep said she herself got a new one and also has to pay this with each load, but that it "didn't used to be this way." I reach out to GoBank and they tell me it's up to the vendor. I told them I went to WM, and that I thought it was free. They just responded with same thing.
Already frustrated, but then GoBank charges me monthly fee within 10 days of opening account. My work DD hits next day, and I call and plead with phone rep, explaining that I literally could not have gotten a DD in any sooner than I did. She waived the $8.95. I go to withdraw via cash using their network ATMs. Well, that ATM itself charged me $2... I gave up at this point, withdrew the rest of the money, and just closed my account.
I reached out to local churners who use GoBank, and they told me their card has a MasterCard logo; and that they're still not paying for loads. So who knows, could be new. But the Reddit DP also mentioned same scenario: new card, being charged $3.74, etc.
I opened a GoBank account for the first time early August. My card arrived with a Visa logo on it. I go to WalMart cashier to load $20 with my actual debit for $20 just as a test. I was charged $3.74. I asked the customer service desk what was up, and they said it's a recent change. Rep said she herself got a new one and also has to pay this with each load, but that it "didn't used to be this way." I reach out to GoBank and they tell me it's up to the vendor. I told them I went to WM, and that I thought it was free. They just responded with same thing.
Already frustrated, but then GoBank charges me monthly fee within 10 days of opening account. My work DD hits next day, and I call and plead with phone rep, explaining that I literally could not have gotten a DD in any sooner than I did. She waived the $8.95. I go to withdraw via cash using their network ATMs. Well, that ATM itself charged me $2... I gave up at this point, withdrew the rest of the money, and just closed my account.
I reached out to local churners who use GoBank, and they told me their card has a MasterCard logo; and that they're still not paying for loads. So who knows, could be new. But the Reddit DP also mentioned same scenario: new card, being charged $3.74, etc.
Aug 25, 2018, 2:25 pm
#527
Join Date: Oct 2016
Posts: 87
just wondering if anyone on this thread also drives for uber, I'm a MSer + Uber driver in this case. I got one of the Visa Business Debit card from uber perk.
Here is the break down, https://m.gobank.com/uber/noworries
I assume any other rules of engagement suits for the biz debit. 3k in 30 calendars days etc etc. Bill Pay & ACH limit. Anyone has any thoughts, comments, suggestions. TIA
Here is the break down, https://m.gobank.com/uber/noworries
I assume any other rules of engagement suits for the biz debit. 3k in 30 calendars days etc etc. Bill Pay & ACH limit. Anyone has any thoughts, comments, suggestions. TIA
Aug 25, 2018, 8:07 pm
#528
Suspended
Join Date: Mar 2013
Posts: 465
I wasn't going to post my experience, but I saw a second DP on Reddit, so I figure I should share.
I opened a GoBank account for the first time early August. My card arrived with a Visa logo on it. I go to WalMart cashier to load $20 with my actual debit for $20 just as a test. I was charged $3.74. I asked the customer service desk what was up, and they said it's a recent change. Rep said she herself got a new one and also has to pay this with each load, but that it "didn't used to be this way." I reach out to GoBank and they tell me it's up to the vendor. I told them I went to WM, and that I thought it was free. They just responded with same thing.
Already frustrated, but then GoBank charges me monthly fee within 10 days of opening account. My work DD hits next day, and I call and plead with phone rep, explaining that I literally could not have gotten a DD in any sooner than I did. She waived the $8.95. I go to withdraw via cash using their network ATMs. Well, that ATM itself charged me $2... I gave up at this point, withdrew the rest of the money, and just closed my account.
I reached out to local churners who use GoBank, and they told me their card has a MasterCard logo; and that they're still not paying for loads. So who knows, could be new. But the Reddit DP also mentioned same scenario: new card, being charged $3.74, etc.
I opened a GoBank account for the first time early August. My card arrived with a Visa logo on it. I go to WalMart cashier to load $20 with my actual debit for $20 just as a test. I was charged $3.74. I asked the customer service desk what was up, and they said it's a recent change. Rep said she herself got a new one and also has to pay this with each load, but that it "didn't used to be this way." I reach out to GoBank and they tell me it's up to the vendor. I told them I went to WM, and that I thought it was free. They just responded with same thing.
Already frustrated, but then GoBank charges me monthly fee within 10 days of opening account. My work DD hits next day, and I call and plead with phone rep, explaining that I literally could not have gotten a DD in any sooner than I did. She waived the $8.95. I go to withdraw via cash using their network ATMs. Well, that ATM itself charged me $2... I gave up at this point, withdrew the rest of the money, and just closed my account.
I reached out to local churners who use GoBank, and they told me their card has a MasterCard logo; and that they're still not paying for loads. So who knows, could be new. But the Reddit DP also mentioned same scenario: new card, being charged $3.74, etc.
Sep 2, 2018, 1:06 pm
#530
Original Member
Join Date: May 1998
Location: West Palm Beach, FL, USA
Programs: AA EXP, Hilton Gold, Marriott Platinum, ALL Gold
Posts: 206
It's the same thing with MCGC's no matter what the liquidation method at Walmart. It's the Walmart software that causes the issue, not the fact that you're buying MO's or loading a GB account.
Sep 3, 2018, 1:50 pm
#531
Join Date: Feb 2014
Posts: 90
I have two cards in the family, GoBank Visa and GoBank MC. neither one charges me load at WM nor ATM with draw.
Sep 13, 2018, 7:33 pm
#533
Join Date: Sep 2014
Posts: 1,837
Sep 16, 2018, 1:28 am
#536
Join Date: Oct 2015
Posts: 21
Might be the case unfortunately. Their website used to say "Walmart is free" in the "deposit cash" section. It has been changed when I checked it again today.
Deposit Cash
You can deposit cash at any of our 100,000 participating retailers nationwide including 7-11, Rite Aid, CVS, Walgreens or Walmart, for a fee up to $4.95. Just take your cash and your debit card to the store of your choice and swipe your card or hand it to the cashier at the register, and the cash will be deposited into your account automatically. The max you can deposit in cash is $2,500 per 24-hours, or $3,000 per 30-days.
Sep 25, 2018, 11:24 am
#538
Join Date: Jul 2013
Posts: 97
just wondering if anyone on this thread also drives for uber, I'm a MSer + Uber driver in this case. I got one of the Visa Business Debit card from uber perk.
Here is the break down, https://m.gobank.com/uber/noworries
I assume any other rules of engagement suits for the biz debit. 3k in 30 calendars days etc etc. Bill Pay & ACH limit. Anyone has any thoughts, comments, suggestions. TIA
Here is the break down, https://m.gobank.com/uber/noworries
I assume any other rules of engagement suits for the biz debit. 3k in 30 calendars days etc etc. Bill Pay & ACH limit. Anyone has any thoughts, comments, suggestions. TIA