Jun 17, 2023, 12:23 am

FlyerTalk Forums Expert How-Tos and Guides

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/

Discover Checking Loaded at Walmart

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Aug 2, 2023 | 2:29 pm

#211

Boston Paulie

Join Date: Apr 2022

Programs: Globalist

Posts: 55

Different VGC declined for $200. Said debit not available. Appr. Code 56. Any ideas?
regular debit worked no problem.

Aug 2, 2023 | 5:25 pm

#212

danhouston

Join Date: Aug 2015

Posts: 2,091

Quote:

Originally Posted by Boston Paulie

Different VGC declined for $200. Said debit not available. Appr. Code 56. Any ideas?
regular debit worked no problem.

try a $99 load instead

Boston Paulie likes this.

Aug 2, 2023 | 5:38 pm

#213

liw5215

Join Date: May 2012

Posts: 786

Quote:

Originally Posted by liw5215

The same thing happened to me today. it was working fine yesterday(7/28).

BAU today 8/2

Aug 2, 2023 | 6:53 pm

#214

happybidder

Join Date: Oct 2018

Posts: 31

Quote:

Originally Posted by liw5215

BAU today 8/2

Mine worked as well, there must be another set of limits, maybe just for new account?

Aug 2, 2023 | 7:21 pm

#215

berombeu

Join Date: Aug 2019

Posts: 448

Quote:

Originally Posted by happybidder

Mine worked as well, there must be another set of limits, maybe just for new account?

Don't think new account is the problem. I just opened a n account a few weeks ago and constantly doing $500 everyday without any hiccup. I think 1 time, the cashier was doing something on their end and I got "debit not authorized" and he asked "you used another card to pay for it". I said YES and he redid the transaction without problem and no problem ever since.

Aug 2, 2023 | 9:15 pm

#216

danhouston

Join Date: Aug 2015

Posts: 2,091

Quote:

Originally Posted by happybidder

Mine worked as well, there must be another set of limits, maybe just for new account?

p2 got a new acct/card 3 days ago & successfully added $500/d so far

Aug 3, 2023 | 5:22 am

#217

happybidder

Join Date: Oct 2018

Posts: 31

Quote:

Originally Posted by danhouston

p2 got a new acct/card 3 days ago & successfully added $500/d so far

I started having prpblem after loading about 15k, that's why I said there might be a limit for new account.

Aug 3, 2023 | 8:07 am

#218

NikSem

Join Date: Jan 2015

Posts: 122

Can this be done at a regular register, as opposed to Money Center? If yes, what should I say to the cashier?

TIA

Aug 3, 2023 | 9:19 am

#219

3ZeroT

Join Date: Jan 2011

Posts: 288

I'm pretty sure the limit is $10k a calendar month for my new account after being stopped just short of that the last 2 months and then being able to load again on the first of the next month.

Aug 3, 2023 | 10:10 am

#220

Prometheus77

Join Date: Feb 2016

Location: Northeastern United States

Posts: 672

Used a SS VGC to load $500 this morning without issue, but was just declined twice by the system when trying to reload the same amount at a different WM to both Discover and Serve. The same SS VGCs worked fine at FD shortly after the failed attempts at WM.

albertxue, Boston Paulie and jonnyek like this.