This IS still the ONE card thread, right? Because I feel like I wandered into the "Spoon Feed Me on How to Liquidate Visa Gift Cards with BlueBird at Family Dollar" thread.

The above are all correct as per DPs provided by the group.
If available, you can also load the full amount of the card at the WM cashier (not the MC), and if really lucky, at one of the remote cashiers, like electronics. There are DPs where trying to do two consecutive loads at a cashier will produce issues, especially with the new system that eliminates the cashier entering the 70 code. But single swipes work fine....so far ;)

Yes. For newcomers, it is best to post questions in the new to MS thread at the top of this forum. That allows those who are are willing to repetitively answer such random questions that ability to do so and others who are insulted by such a display of ignorance to avoid them completely :D

The problem with people posting in the wrong threads is that
the information is harder to find for others seeking the same information in the future.

Don't disagree, but most newbies ask for information and don't supply DPs which indeed would be in the wrong thread if they were supplying such..

It would be best to just tell them to post their questions in the newbie thread ;)

Thank you, everyone! I really appreciate all the advice and information shared.
Noted on where to ask questions :-)

Can you link to the DP, don't see it on here.
PM ok as well.

Anyone here have the OnePay Debit Card and OnePay Walmart Credit Card?

I'm asking because I plan to load OnePay Debit at SCO and pay OnePay Walmart Credit Card.
Thinking this may keep my OnePay debit card account open without a shutdown. Or it my blowup and they close both accounts.

We need to be careful here.
The One Pay Debit card is issued by Coastal Bank, and basically is a reloadable debit card (i.e. not backed by any of the possessor's bank accounts, therefore similar to a BB card). You earn cash back for appropriate purchases at WM...i.e. no GCs or prescription drugs,,,I think they do allow OTC meds) and is limited to 3% back (max $150 spend a month). After that, the program is bupkis....0.1% back :mad:

The WM One Pay CC is completely different. It is a store based MC credit card (just like a Kohls or Macys CC) issued by Synchrony Bank. You apply for it just like any other CC with the usual credit pulls to determine credit worthiness. That means there will be a credit limit, and I feel reasonably confident that, given this is WM and WM customers, that limit will be really low.
There is no loading of this card. It is basically a rewards CC with 3% Cash Back at WM (you can read the restrictions on page 14 here). If you have a WM+ account, you earn 5% back at WM only).

IF you are turned down for this fabulous card, which I suspect many WM customers appying will be, then Synchrony has a back up card...the WM Spend card. (Below from the website)

The OnePay Walmart Spend Card is a credit card that can only be used at Walmart and Walmart.com. When you apply for a OnePay Card, you will first be considered for the OnePay CashRewards Card; if you do not qualify for a OnePay CashRewards Card, you will be considered for a OnePay Walmart Spend Card. You may not apply for the Walmart Spend Card directly.

The Walmart Spend Card does not have a standard rewards structure, but OnePay provides Walmart Spend Card customers with limited time offers to earn OnePay Points.

So, to your interesting question
The reason for shut downs in Coastal One is the appearance of MLing activity. Will loading Coastal One and paying off Synchrony One with it be possible...yeah, but I have not used my Coastal One account for any BP. I shop at WM and spend less than $150/month there, so between cash withdrawals each time I shop and actual purchases, I am easily able to unload the card and it appears to WM and Coastal that I am a great customer. I also get 3% back at WM. Ce n'est pas mal.

There are plenty of DPs out there where paying bills, especially CC bills, raises the hackles of Coastal One. But even if that weren't the case, and presuming you qualify for the Synchrony One Cash account, you will be limited by your credit line,,,,and I honestly suspect that will be less than 4 digits in amount to start.

IMO, my Coastal One account isn't worth the 3% return risk (and remember Coastal has a very nice savings account program to boot) but to each their own. Let us all know how you fare in this adventure. ;)

Is being able to load the OnePay debit at SCO available at all WMs ?
If so, which button do I press?
The OnePay debit card I have wasn't purchased in-store.
It was sent to me when I applied in the app.
The card has a Coastal bank account associated with it.

Are you also saying that after loading with a VGC, you would then withdraw small amount of cash
on your next shopping run?

I believe from the DPs that once you have the permanent Coastal One card, you are no longer able to load at the SCO. That appears to be only available using the temporary card purchased at WM. I do almost all of my loading at the cashier without issue, but have used the CSC as well.

I do my withdrawals after a retail purchase at WM. You can do it either at SCO or the cashier using your permanent Costal One card or the One app. While I do only $20 at a time, I believe you are given at the SCO a choice of up to $80 in $20 increments. I suspect if you wanted to pull $100 at the cashier, you could, but again, think of eyes on your account, and try to minimize activity that would lead to same.

I have a DD account with Coastal One, so the account gets $500/month from my IRA due to a required RMD. That usually goes into the savings account, but if I need cash, I can get it from either the cashier or the SCO line. I drop using GCs around $2-600/month but do no BPs. However, Coastal One is a checking account, so there would be no reason not to use it as such, if you wished. This would be especially true if you had some steady source of cash inflow, for example from employment or pension account.

It is my opinion, (and only that ;)) that the more you mix up sources of cash inflows, especially if they are < 4 digits in amount, the less likely the bank will care. The numbers will be too small and too diverse for anyone to bother with unless there is some egregious event which casts human eyes on it.

This has worked well for me using One, Go, BB and Serve for the past almost 10 years. But everyone has their own method, and I don't discount those either.

Adding one other thing. If you have the One Pay Cash+ account, the saving account pays its very competitive interest daily, which effectively does increase the APR rate (versus other banks who pay either weekly or much more commonly, monthly.)

Thanks!

Just curious, how do I get to the load screen at SCO if I had the temporary OnePay card?
Do I insert the OnePay card first then the screen shows a menu for adding money?

Right now I have the Coastal bank account linked up to my HOA payment portal.
I am hoping to load to the OnePay then pull from it from my HOA payment portal when it comes time to pay the monthly HOA fee.
Fingers crossed.

I have never had or used the temp Coastal One card, so I have never tried to load at SCO. My WMSC is very easy to use loading at the cashier or CSC, so there is no need for me. However, since the Coastal One temp card is just that....temp, there doesn't seem to be much play using it for MSing, IMO.

I would recommend that you convert your Coastal One account to the Coastal One Cash account, which opens up all of the benefits of the site, including the enhanced checking and savings account. If you are already using the site to pay your HOA fees, then arrange a DD from a source that Coastal will recognize. If you cannot do it with part of your paycheck, then look to an investment account such as Schwab. for the $500/mo DD. Or plunk in $5000 into the savings account. The rate is very favorable as mentioned previously.

Once you have unlocked the cash account, you don't need to pull anything. Just use the account as a checking account and BP. Your HOA is an excellent payee, IMO as would be anyone who doesn't take credit cards, such as lawn people, handymen, etc. Even low amounts of CC bills (I keep mine under 4 digits) is acceptable to almost all banks.

After account set up, you can add GC deposits to your DD. Just remember that this is WM and the customer owning the account isn't going to be flushing 4 and 5 digit sums of money through it monthly. ;)
That is why I have a real bank checking account for those levels of deposits and spends.

I don't have the Cash+ account, just the Cash account with a routing number and account number that they sent
me when they sent me the OnePay debit card.

Today I tried loading the OnePay at WM's CSC with $400 for the first time, and it failed with DEBIT NOT APPROVED CAT DOWN.
I did the Discover load first and had no problem with that.
Did I do something wrong? Did the employee do something wrong?

I presume you are attempting VGCs at the CSC. The only VGCs I use at the CSC for the full amount is the Everywhere cards. All others I limit to $99 per numerous DPs on here. I can load all VGCs (so far ;)) at the cashier but only do single swipes for $200 (because I can get these fee free).

Give your loading attempt a $99 swipe limit. I have done regular VGCs at the CSC and been rejected for amounts greater than that.

Your above experience seems to be echoing that reported by others in regards to rejection for amounts >$99

Is GoBank still an option for loading VGC at WM? At some point they discontinued the card and replaced it with a new version.