Last edit by: yanxfann
Rules:
Amount limits:
1. $20 minimum load
2. $1,000 maximum per rolling 24 hours ($999 for AZ NM)
3. $7,000 maximum per rolling 7 days
4. $10,000 maximum per calendar month (formerly $20K; mixed DPs, T&C states calendar month but FTers state rolling 30 days)
Frequency limits:
5. 4 individual loads per rolling 24 hours
6. 7 individual loads per rolling 7 days
7. 20 loads per rolling 30 days.
WM limits:
8. 3 GCs max per transaction
https://www.discover.com/online-bank...cking-account/
Amount limits:
1. $20 minimum load
2. $1,000 maximum per rolling 24 hours ($999 for AZ NM)
3. $7,000 maximum per rolling 7 days
4. $10,000 maximum per calendar month (formerly $20K; mixed DPs, T&C states calendar month but FTers state rolling 30 days)
Frequency limits:
5. 4 individual loads per rolling 24 hours
6. 7 individual loads per rolling 7 days
7. 20 loads per rolling 30 days.
WM limits:
8. 3 GCs max per transaction
https://www.discover.com/online-bank...cking-account/
Discover Checking Loaded at Walmart
#106
Join Date: Aug 2022
Posts: 6
I’ve had 2 successes AND 2 failures loading $200 MetaBank Blackhawk cards at different Walmarts. Both successes were with cashiers who knew how to reload a Discover debit card. Both failures were with cashiers who were unfamiliar — I told them it’s action code 70, and one wanted to review the instructions in the Discover app.
They each said the error was something like “debit not available,” but a transaction/reversal doesn’t appear in the giftcardmall transaction history.
At this point I don’t know if the problem is the Walmart location, the cashiers, or if I’m misleading them by saying “action code 70.” I’ll do some more trial & error unless someone has a suggestion
Edit: Less than an hour after my last “debit not available” failure, I went to a Walmart that had worked before. This cashier also didn’t know what to do, but instead of staring blankly, he got another employee, who instructed him to use action code 70 and the transaction went through (on the same Visa gift card that failed moments earlier at a different Walmart). At this point I’m wondering if some Walmart locations are coded not to accept $200 on MetaBank Blackhawk cards. I’ll update if I find out more
They each said the error was something like “debit not available,” but a transaction/reversal doesn’t appear in the giftcardmall transaction history.
At this point I don’t know if the problem is the Walmart location, the cashiers, or if I’m misleading them by saying “action code 70.” I’ll do some more trial & error unless someone has a suggestion
Edit: Less than an hour after my last “debit not available” failure, I went to a Walmart that had worked before. This cashier also didn’t know what to do, but instead of staring blankly, he got another employee, who instructed him to use action code 70 and the transaction went through (on the same Visa gift card that failed moments earlier at a different Walmart). At this point I’m wondering if some Walmart locations are coded not to accept $200 on MetaBank Blackhawk cards. I’ll update if I find out more
Last edited by prefers road trips; Jun 3, 2023 at 7:25 am
#107
Join Date: Jun 2022
Location: LAX, SNA
Programs: B6 M4, AA Plat Pro, Hyatt Globalist, IHG Diamond Amb, Marriott Titanium, Hertz PC, Avis PC
Posts: 1,473
#109
Join Date: Aug 2022
Posts: 6
A couple pages earlier in this thread, someone showed this was happening with their reload attempts and they had to call Discover to get their account unlocked. It was the same message ("debit not available") but I guess there are different reasons why it might appear. In my case, it seems Walmart wasn't even attempting to charge the prepaid card, which makes me think that type of card might be blocked by some Walmart locations but not others. I'll try to narrow it down next week!
#110
Join Date: Jun 2022
Location: LAX, SNA
Programs: B6 M4, AA Plat Pro, Hyatt Globalist, IHG Diamond Amb, Marriott Titanium, Hertz PC, Avis PC
Posts: 1,473
A couple pages earlier in this thread, someone showed this was happening with their reload attempts and they had to call Discover to get their account unlocked. It was the same message ("debit not available") but I guess there are different reasons why it might appear. In my case, it seems Walmart wasn't even attempting to charge the prepaid card, which makes me think that type of card might be blocked by some Walmart locations but not others. I'll try to narrow it down next week!
#111
Join Date: Aug 2022
Posts: 6
Nothing conclusive, but it seems $99 debit charges (or less) on MB BHN Visas should go through at any Walmart.
It seems to be only certain terminals that allow $100+ debit transactions on that type of card. I’ve had successes and failures with both the new style and old style Walmart card readers, as well as successes and failures within the same Walmart location. I’m not spending a ton of time on this, but my next goal is to keep better notes on exactly which terminals have the successes and failures. Also I have now had success telling a cashier “action code 70,” so I’ve ruled that out as the issue.
It seems to be only certain terminals that allow $100+ debit transactions on that type of card. I’ve had successes and failures with both the new style and old style Walmart card readers, as well as successes and failures within the same Walmart location. I’m not spending a ton of time on this, but my next goal is to keep better notes on exactly which terminals have the successes and failures. Also I have now had success telling a cashier “action code 70,” so I’ve ruled that out as the issue.
Last edited by prefers road trips; Jun 9, 2023 at 6:28 pm
#112
Join Date: Feb 2016
Location: Northeastern United States
Posts: 597
Nothing conclusive, but it seems $99 debit charges (or less) on MB BHN Visas should go through at any Walmart.
It seems to be only certain terminals that allow $100+ debit transactions on that type of card. I’ve had successes and failures with both the new style and old style Walmart card readers, as well as successes and failures within the same Walmart location. I’m not spending a ton of time on this, but my next goal is to keep better notes on exactly which terminals have the successes and failures. Also I have now had success telling a cashier “action code 70,” so I’ve ruled that out as the issue.
It seems to be only certain terminals that allow $100+ debit transactions on that type of card. I’ve had successes and failures with both the new style and old style Walmart card readers, as well as successes and failures within the same Walmart location. I’m not spending a ton of time on this, but my next goal is to keep better notes on exactly which terminals have the successes and failures. Also I have now had success telling a cashier “action code 70,” so I’ve ruled that out as the issue.
#113
Join Date: Jun 2022
Location: LAX, SNA
Programs: B6 M4, AA Plat Pro, Hyatt Globalist, IHG Diamond Amb, Marriott Titanium, Hertz PC, Avis PC
Posts: 1,473
Nothing conclusive, but it seems $99 debit charges (or less) on MB BHN Visas should go through at any Walmart.
It seems to be only certain terminals that allow $100+ debit transactions on that type of card. I’ve had successes and failures with both the new style and old style Walmart card readers, as well as successes and failures within the same Walmart location. I’m not spending a ton of time on this, but my next goal is to keep better notes on exactly which terminals have the successes and failures. Also I have now had success telling a cashier “action code 70,” so I’ve ruled that out as the issue.
It seems to be only certain terminals that allow $100+ debit transactions on that type of card. I’ve had successes and failures with both the new style and old style Walmart card readers, as well as successes and failures within the same Walmart location. I’m not spending a ton of time on this, but my next goal is to keep better notes on exactly which terminals have the successes and failures. Also I have now had success telling a cashier “action code 70,” so I’ve ruled that out as the issue.
One that lets me do $200 swipe, and another that won't even let me do $99 swipe.
#114
Join Date: Jun 2022
Location: LAX, SNA
Programs: B6 M4, AA Plat Pro, Hyatt Globalist, IHG Diamond Amb, Marriott Titanium, Hertz PC, Avis PC
Posts: 1,473
WM is cracking down on this insanely hard in my area lately. Any ideas on how to hide the GC? Looking into a magstrip reader.
#115
Join Date: Aug 2019
Posts: 405
you just need to find the cashiers that don't care or go to different walmarts. There is no other way. I have 1 walmart asking to see the card every time. So I just skip that walmart or try again with another cashier.
Last edited by berombeu; Jun 11, 2023 at 1:21 pm
#118
Join Date: Aug 2019
Posts: 405
A little DP regarding to Discover 1% cash back. I was testing out loading Visa BB at FD using my Discover debit to pay for it. I got $1 cash back when loading $100 to the Visa BB. You can earn up to $30 each month to move money from Discover to Visa BB.
#119
Join Date: Feb 2016
Posts: 826
I just went and dumped 2K on 2 discover cards and the employee didn't even flinch. it's very hit and miss.
On the way back stopped by walgreen where I get fee free GC and I told the employee hey you are running low on these cards, you might want to reorder. She said yeah he(manager) must be doing it. then she told me about we have to give you this fraud warning, I said, I know I have seen this many many times and dont even bother to read it. she said apparently there is fraud going on with these cards and I told her I never have to deal with it because I send these cards to nobody and she said oh yeah you use it yourself. some reps are just not zealots. they are easy to go along even when sometimes they would decline you because they were told to.
Last edited by Gitangali; Jun 12, 2023 at 1:50 pm