I appreciate that. It's parked money that I do not readily need, but have there in case of emergency. I've been buying short-term treasuries with some of it, as well.

Yes, there are many options with money that isn't needed for immediate access. However, for a demand deposit account to be paying 4+% on the balance is pretty darn good, IMO ;)

Update: The GCs returned to one of the SCs where they had been missing before. The ones that used to be Sutton are now Pathward, so I've been getting SSVGC instead. (Not sure there is anything wrong with Pathward VGC, just going with what I know).

Loaded from an SSVGC today for 250 (not full drain), BAU.

https://cimg9.ibsrv.net/gimg/www.fly...106639830c.jpg

this just showed up on my account. Says I can't load after 10/2, but I've loaded many times since then.
. How much longer does this account have?

So the non-human time counter notes that you have both used the account and have not ordered a permanent card, so it sent you a reminder. Request the new card and all will be good. Ignore the friendly machine request and your account will be sent to human eyes, where your activity will be scrutinized by humans, which is not good for you.
Get the permanent card and all is good until your misdeeds target a review, and who knows how long that will be

Why risk getting your account banned for a lifetime? Costal bank is already under scrutiny by the Feds for weak ML security and is apparently aggressive in shutting down accounts.

I suggest that you do what the last line asked ;)

Thanks for the info. I will go ahead and order the card. One last question, once the permanent card arrives, can you still use the temp card? I'm banned from my WM money center so that would be the death of this card.

No.
You can load the permanent card at the cashier without ID.

Today tried this with another one of my phone # accounts and same problem. A QR code load gives some "can't complete transaction" error at WM. Never had issues with this card, barely used it in last 2 months and haven't loaded since early August.

CSR for ONE from abroad can't see any restrictions on it. I wonder if WM takes it upon themselves to block frequent ONE loaders?

Try loading cash at WM with your One card. Then try cash load using QR code. If successful with both, then the problem is with your GC load.

Can you try a load at a cashier using your One card and a GC?

Let us know how you do.

I just received this: "After review, we’ve deemed it necessary to close your One Cash account. Please note that we can share no additional information and that our decision is final. If you have funds remaining in your One account that are due to you, we will disburse the funds within five business days."

The interesting thing is that I've had the account open since July and haven't hit it very hard, IMO. I loaded no more than $10K total during that timespan, and kept $5K of that in the savings account bucket. I did make some purchases with the card initially, but nothing since. I guess they did not like the $500 loads. Oh, well. It is what it is.

damn that’s crazy

I don't even get to the point where I can swipe. After scanning QR code and typing in load amount, the CSR tells me the system just gives them an error without explanation and won't proceed with transaction.

Last night someone else here MSGed me having similar problems. I suspect either there's an error in the system or they just started quiet-banning MSers, by disabling loads from QR code while not outright closing the card.

I will attempt this at another WM as a test but if it doesn't work, I'll just close and re-open and see if that changes things. I could also try smaller loads (like $200 but I doubt I'll want to deal with micro-loads going forward. way too much hassle)

One Card definitely doesn't seem to want non-profitable customers. Ive had two of three One Card accounts shut down since opening the accounts this time last year. I'm sure P3's account is on borrowed time so I use it sparingly.

So basically all you did with the account for 4 months is deposit money and immediately withdraw half of it. You didn’t buy anything with it or pay legitimate bills, I.e, not credit card bill, with it. You even probably ACHed the money to another bank account.

And you thought that was going to pass muster with a bank’s Rats, especially a bank that is already under the Feds guns for lax MLing controls???

IMO, One is a lousy MSing vehicle unless you use it to liquidate cards without needing the funds immediately.

I loaded around $9,000 to the card with $500 gebit's, moved $5K into the savings bucket, made about $300 in purchases, and ACH transferred around $3,700 back to my primary bank. This is over the span of a little over three months.