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-   -   Discover Checking Loaded at Walmart (https://www.flyertalk.com/forum/manufactured-spending/2109742-discover-checking-loaded-walmart.html)

ghtjyjy Feb 11, 2024 9:49 am


Originally Posted by dwCoffee (Post 35988083)
Anyone know if the limits (frequency) include ACH?
I got the "Debit not approved - call authorizer" error today but I am under 10K for the month (I am over 10k rolling and worked fine yesterday). Only thing I can think of is my ACH frequency puts me over?

This error only means your gift card was declined by the machine. For over limit, your debit is approved, and then at the final step when it should print receipt, it will cancel the whole transaction.

3ZeroT Feb 11, 2024 10:48 am


Originally Posted by ghtjyjy (Post 35989844)
This error only means your gift card was declined by the machine. For over limit, your debit is approved, and then at the final step when it should print receipt, it will cancel the whole transaction.

Are you sure? When the load itself fails there's also a little slip that prints out indicating debit not approved (which in this case means loading the debit card) so it can look similar to a GC decline.

drewchandler Feb 11, 2024 1:23 pm


Originally Posted by dwCoffee (Post 35980973)
Similar.
Did 2x SS 409758 load in single txn for full 1K (500*2), no issues.
Will try Vanillas later today/tomorrow

Same.
- Bought Vanilla 409758 issued by MetaBank, serviced by InComm on 02/09 from Speedway using Barclays Wyndham Business Earner
- Bought banana at WM for $0.26 on 2/11
- 3 minutes later did 1x swipe for $499 at WM MC on to Discover debit (no issues)
- 3 minutes later split payment on WM SCO for remaining $0.74 on VGC.
I'll try to do a 2x $499 load later this week

lowkeyflyer Feb 12, 2024 1:26 pm


Originally Posted by drewchandler (Post 35990424)
Same.
- Bought Vanilla 409758 issued by MetaBank, serviced by InComm on 02/09 from Speedway using Barclays Wyndham Business Earner
- Bought banana at WM for $0.26 on 2/11
- 3 minutes later did 1x swipe for $499 at WM MC on to Discover debit (no issues)
- 3 minutes later split payment on WM SCO for remaining $0.74 on VGC.
I'll try to do a 2x $499 load later this week

You have quite a friendly cashier if they are willing to accommodate a $0.74 swipe. Nvm. Just saw SCO.

dwCoffee Feb 12, 2024 1:28 pm


Originally Posted by drewchandler (Post 35990424)
Same.
- Bought Vanilla 409758 issued by MetaBank, serviced by InComm on 02/09 from Speedway using Barclays Wyndham Business Earner
- Bought banana at WM for $0.26 on 2/11
- 3 minutes later did 1x swipe for $499 at WM MC on to Discover debit (no issues)
- 3 minutes later split payment on WM SCO for remaining $0.74 on VGC.
I'll try to do a 2x $499 load later this week

1. I don't think it's the same. $500 swipes are much better if you can do them
2. More importantly, how was the banana?

upright0744 Feb 12, 2024 8:26 pm

my vanilla cards dont even work to buy a banana

its a joke

danhouston Feb 13, 2024 4:53 pm

Received a pathward-SS replacement card with remaining $300; activated then loaded full amount; lol, got a dna error; will try 298 tomorrow

danhouston Feb 14, 2024 5:18 pm


Originally Posted by danhouston (Post 35996476)
Received a pathward-SS replacement card with remaining $300; activated then loaded full amount; lol, got a dna error; will try 298 tomorrow

after >24hrs, an attempt to load for $298 didn’t work either 🙁... PITA

drewchandler Feb 15, 2024 7:32 am


Originally Posted by dwCoffee (Post 35993150)
1. I don't think it's the same. $500 swipes are much better if you can do them
2. More importantly, how was the banana?

The banana was delicious.
Yesterday I returned for the successful 2-swipe load.
  1. No bananas were purchased/harmed in this experiment prior to load.
  2. Successfully loaded $998 onto ONE using (2x) swipes of $499. Used GCs with the same bin mentioned above.
  3. Auto-drained (2) $1 remaining balances on GCs by purchasing a bunch of bananas at SCO, and paid remaining balance w/ Discover debit.
  4. For those interested: the SCOs I've been using are the new diagonal swipe variety with the attached triangular pen w/red stripe
  5. I'll try (2x) $500 later this week.

dwCoffee Feb 15, 2024 8:03 am


Originally Posted by drewchandler (Post 36000942)
The banana was delicious.
Yesterday I returned for the successful 2-swipe load.
  1. No bananas were purchased/harmed in this experiment prior to load.
  2. Successfully loaded $998 onto ONE using (2x) swipes of $499. Used GCs with the same bin mentioned above.
  3. Auto-drained (2) $1 remaining balances on GCs by purchasing a bunch of bananas at SCO, and paid remaining balance w/ Discover debit.
  4. For those interested: the SCOs I've been using are the new diagonal swipe variety with the attached triangular pen w/red stripe
  5. I'll try (2x) $500 later this week.

Interesting, are one loads free?

yanxfann Feb 15, 2024 8:07 am


Originally Posted by dwCoffee (Post 36001026)
Interesting, are one loads free?

Yup, there's an entire thread devoted to ONE: https://www.flyertalk.com/forum/manu...terthread.html

That said I know of NOBODY who's hit the ONE card hard for a long period of time that hasn't been shut down. Nobody. It's not a matter of if, but rather when. And their customer service reps are horrible, English is a second language for all of them.

dwCoffee Feb 15, 2024 11:11 am

Well, interesting DP.
WM1: MC-rep who say my SSVGCs: Sorry, we can't to that anymore. New memo circulating.
WM2: Vanilla (Meta/Incomm) +SSVGC (Meta/Incomm) went loading just fine for 1K (500+500), Tried another load on different Discover account, 2x SSVGCs for 500 ea, and got Debit Not Allowed- Code 57

danhouston Feb 15, 2024 3:33 pm


Originally Posted by dwCoffee (Post 36001579)
Well, interesting DP.
WM1: MC-rep who say my SSVGCs: Sorry, we can't to that anymore. New memo circulating.
WM2: Vanilla (Meta/Incomm) +SSVGC (Meta/Incomm) went loading just fine for 1K (500+500), Tried another load on different Discover account, 2x SSVGCs for 500 ea, and got Debit Not Allowed- Code 57

was another or 2nd load at the same register? If so, may have hit the velocity limit regardless of Sutton or not

dwCoffee Feb 15, 2024 3:35 pm

Yes, same register and back to back.
These were all Meta/Incomms.
I haven't had a problem with them at this location (WM2) doing back to backs ever....but I suppose it could be velocity.

Hopefully those 2 cards are not blocked now. Guess I will know tomorrow/Saturday

danhouston Feb 15, 2024 5:54 pm


Originally Posted by danhouston (Post 35999612)
after >24hrs, an attempt to load for $298 didn’t work either 🙁... PITA

decided to call in before a 3rd attempt but darn it was told that they have to mail another replacement vgc b/c the card is now locked after a 2nd declined trxn 😒; now will have to wait another 7-10 days...

How did folks liquidate a pathward-card replacement? Still need to spend less than full balance or make a small organic spend first?


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