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Gobank by Greendot - online banking with debit card(2016 onwards)

Old Jan 10, 2016, 7:37 pm
FlyerTalk Forums Expert How-Tos and Guides
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.
  • 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.
Lots of $200 loads can get you shutdown. GoBank does not like paying load fees on low denomination loads. Two $500 loads is better than five $200 loads.

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).





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Gobank by Greendot - online banking with debit card(2016 onwards)

Old Dec 25, 2018, 7:31 am
  #571  
 
Join Date: Jun 2014
Posts: 329
Originally Posted by Clueless12
Read the thread. It’s been discussed.
I do not see the same issue as mine, you mind forwarding me to the post #? thanks
poisonsag is offline  
Old Dec 25, 2018, 7:39 am
  #572  
 
Join Date: Feb 2015
Posts: 319
Originally Posted by poisonsag
I do not see the same issue as mine, you mind forwarding me to the post #? thanks
I’m too lazy to go back and search but GoBank has decreased the amount you can load per transaction.
Clueless12 is offline  
Old Dec 25, 2018, 7:44 am
  #573  
 
Join Date: Jun 2014
Posts: 329
Originally Posted by Clueless12


I’m too lazy to go back and search but GoBank has decreased the amount you can load per transaction.
Yes i am aware of that, i was loading $300X1 (just 1 swipe) it worked fine for first load and gave error for 2nd one..
poisonsag is offline  
Old Dec 26, 2018, 9:21 am
  #574  
 
Join Date: Feb 2016
Posts: 821
Not able to login to go bank account for last few days? Anyone having this issue?
Gitangali is offline  
Old Dec 26, 2018, 9:49 am
  #575  
 
Join Date: Sep 2014
Posts: 1,837
Originally Posted by Gitangali
Not able to login to go bank account for last few days? Anyone having this issue?
desktop?

have you tried on your phone?
lumangoy is offline  
Old Dec 26, 2018, 2:05 pm
  #576  
 
Join Date: Feb 2016
Posts: 821
Did not try it on phone just desktop, why? does it matter?

Update:

Works from phone. Anyone know how to get hold of them if you have to close account etc? They have given the phone number but you can't speak to anyone.

Last edited by Gitangali; Dec 26, 2018 at 2:17 pm
Gitangali is offline  
Old Dec 28, 2018, 5:48 am
  #577  
 
Join Date: Dec 2013
Posts: 3,493
Originally Posted by Clueless12


I’m too lazy to go back and search but GoBank has decreased the amount you can load per transaction.
Its $500/transaction.
ericdabbs is offline  
Old Jan 2, 2019, 10:41 am
  #578  
 
Join Date: Feb 2016
Posts: 821
Can you load Go bank card with vanilla debit at WM for $49.99?
Gitangali is offline  
Old Jan 2, 2019, 4:22 pm
  #579  
 
Join Date: Feb 2016
Posts: 821
Tried to load $45 bucks from vanilla at WM, did not work. Is it working for anyone? I thought it should for amount less than 49.99??
Gitangali is offline  
Old Jan 2, 2019, 8:45 pm
  #580  
 
Join Date: Nov 2015
Programs: DL, Marriott & IHG Platty; HH Diamonte
Posts: 859
Maybe you should just bag this avenue Gitangali....doesn't seem to be working out so well for you.
pharmawalk is offline  
Old Jan 7, 2019, 2:18 pm
  #581  
 
Join Date: Feb 2016
Posts: 821
Originally Posted by pharmawalk
Maybe you should just bag this avenue Gitangali....doesn't seem to be working out so well for you.
Did you need help with writing? Bag what avenue? how does the word avenue fit here?
Gitangali is offline  
Old Jan 7, 2019, 3:36 pm
  #582  
 
Join Date: Sep 2014
Posts: 1,837
.....

Last edited by lumangoy; Jan 8, 2019 at 7:39 am
lumangoy is offline  
Old Jan 8, 2019, 7:12 am
  #583  
Suspended
 
Join Date: Sep 2016
Posts: 198
Originally Posted by Gitangali
Did you need help with writing? Bag what avenue? how does the word avenue fit here?
They're saying - "if you can't figure out how to load a go bank card, maybe you should move on to another hobby"
beast7276 is offline  
Old Jan 8, 2019, 12:18 pm
  #584  
 
Join Date: Feb 2016
Posts: 821
Originally Posted by beast7276
They're saying - "if you can't figure out how to load a go bank card, maybe you should move on to another hobby"
Okay , did you know what Go bank is? Let's start there. Let me give you some clue. Pizza Hut and Go bank are not cousins. LOL
Gitangali is offline  
Old Jan 8, 2019, 3:49 pm
  #585  
 
Join Date: Oct 2013
Posts: 483
I think I read you can load BB or Serve with vanillas but not GB.
Travelz is offline  

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