Jun 17, 2023, 12:23 am
Last edit by: soy
DATAPOINT COLLECTION: https://forms.gle/trtMWXZp4mKUk31m7
VIEW DATAPOINTS: https://docs.google.com/spreadsheets...it?usp=sharing
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). recent DP(04/2025): $10k per month.
Frequency limits:
5. 4 individual loads per rolling 24 hours
6. 7 individual loads per rolling 7 days
7. 20 loads per calendar month (as per https://www.discover.com/content/dam...tAgreement.pdf)
WM limits:
8. 3 GCs max per transaction
https://www.discover.com/online-bank...cking-account/
Decline codes -
https://paymentdepot.com/blog/credit...eclined-codes/
VIEW DATAPOINTS: https://docs.google.com/spreadsheets...it?usp=sharing
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). recent DP(04/2025): $10k per month.
Frequency limits:
5. 4 individual loads per rolling 24 hours
6. 7 individual loads per rolling 7 days
7. 20 loads per calendar month (as per https://www.discover.com/content/dam...tAgreement.pdf)
WM limits:
8. 3 GCs max per transaction
https://www.discover.com/online-bank...cking-account/
Decline codes -
https://paymentdepot.com/blog/credit...eclined-codes/
Discover Checking Loaded at Walmart
Jul 1, 2023 | 9:29 pm
#168
Join Date: Jul 2009
Posts: 94
Yup. The regular cashiers refuse to load at checkout. There's one store with one cashier I avoid. Other than that, they are more than happy to help/take as many swipes as I ask for.
Jul 1, 2023 | 10:24 pm
#169
Join Date: Jun 2022
Location: LAX, SNA, SFO
Programs: AA EXP, B6 M4, WoH Globalist, IHG Diamond Amb, MB Titanium, Hertz PC, Avis PC
Posts: 1,914
Jul 2, 2023 | 9:16 pm
#171
Join Date: Apr 2022
Programs: Globalist
Posts: 55
Will non BHN cards load to Discover checking for the full amount?
Jul 20, 2023 | 2:56 pm
#174
Join Date: Jun 2022
Location: LAX, SNA, SFO
Programs: AA EXP, B6 M4, WoH Globalist, IHG Diamond Amb, MB Titanium, Hertz PC, Avis PC
Posts: 1,914
Anyone know what instructions to give a rep who doesn't know how to split payment? E.g. want to load $1000 and do it as $500 + $500.
Jul 21, 2023 | 7:20 am
#175
Join Date: May 2002
Location: St Louis, MO
Programs: AA L.T. PLT
Posts: 3,910
Would someone be so kind as to clarify this point from the wiki?
"7 individual loads per rolling 7 days."
If I load $200 onto my card 3 times (enter my DC and load $200, enter my DC and load $200, enter my DC and load $200) does that count as 3 of my 7 loads for the 7 day period?
Yesterday I tried to load $200 and the machine was spitting out a debit card error message. I don't know if it was the card (I tried 2 different cards), bad machine (this terminal has given me problems before) or too many loads in the 7 day window.
I'm just hoping it's not the actual card itself (Everywhere type)
Thanks
"7 individual loads per rolling 7 days."
If I load $200 onto my card 3 times (enter my DC and load $200, enter my DC and load $200, enter my DC and load $200) does that count as 3 of my 7 loads for the 7 day period?
Yesterday I tried to load $200 and the machine was spitting out a debit card error message. I don't know if it was the card (I tried 2 different cards), bad machine (this terminal has given me problems before) or too many loads in the 7 day window.
I'm just hoping it's not the actual card itself (Everywhere type)
Thanks
Jul 21, 2023 | 8:08 am
#176
Join Date: Jan 2015
Posts: 206
Would someone be so kind as to clarify this point from the wiki?
"7 individual loads per rolling 7 days."
If I load $200 onto my card 3 times (enter my DC and load $200, enter my DC and load $200, enter my DC and load $200) does that count as 3 of my 7 loads for the 7 day period?
"7 individual loads per rolling 7 days."
If I load $200 onto my card 3 times (enter my DC and load $200, enter my DC and load $200, enter my DC and load $200) does that count as 3 of my 7 loads for the 7 day period?
Jul 22, 2023 | 2:05 pm
#179
Join Date: Mar 2007
Posts: 206
For me its always been:
1. Tell cashier I want to load my card
2. Wait for cashier to enter action code 70
3. Insert my card
3a. choose "Discover Debit" on newer registers (angled card swipes)
4. Enter zip code
5. Tell cashier amount I want to load
6. Cashier enters amount
7. I confirm amount
8. Swipe away
1. Tell cashier I want to load my card
2. Wait for cashier to enter action code 70
3. Insert my card
3a. choose "Discover Debit" on newer registers (angled card swipes)
4. Enter zip code
5. Tell cashier amount I want to load
6. Cashier enters amount
7. I confirm amount
8. Swipe away
Jul 22, 2023 | 2:36 pm
#180
Join Date: Jun 2022
Location: LAX, SNA, SFO
Programs: AA EXP, B6 M4, WoH Globalist, IHG Diamond Amb, MB Titanium, Hertz PC, Avis PC
Posts: 1,914
I just got Discover checking and I tried to load a SecureSpend VGC and it didnt work. The cashier didnt seem to know what she was doing but it looked like the above. I had tried to use the SS VGC at the Money Center to buy a MO and it didnt go through. I think the WM in my area have hard cored their machines and now I cant use SS VGC.