- Centurion Member
- Posts: 125
- Joined: Wed Dec 05, 2012 12:47 pm
- Location: Iowa
After having my nose in the stupid computer for days on end I finally discovered GoBank claims to be a real bank account but the debit card is coded as prepaid, WTF???? This would certainly be a major step up for someone who uses prepaid but won't replace bank accounts for most people. What really blows is they make you fund the account with at least $50 before they will open the account and send you a debit card, then they have your money until you receive your debit card and activate it. No clue as to how much longer it will take to get my card. Wow, information isn't always right in front of you, you have to spend all your free time for days and days with your nose in the computer, you seach and search then you discover what an idiot you really are.
My supervisor said this account won't work to switch over my direct deposit because they require a voided check from the new account, he said I can't just write the numbers down, that won't go. My work pays via direct deposit only, they don't like to issue paper checks and if they have to issue more than several paper checks, they will require the employee to sign up for their payroll card. They advise if you have a payroll card that you go to an ATM on payday and take out all the cash on the card. What they said was since I supplied an old account, deposits would continue to me made to that account until such time as I bring in a voided check from my new account. If for some reason my current account is closed, I will be issued a payroll card. My supervisor said if I want a new bank account it need to be a REAL checking account at a REAL bank, not a prepaid card pretending to be a checking account. They have found prepaid cards to be unreliable, funds can be rejected because the address my employer has on file and the address they have for me are slightly different. This is an employer that gets upset when employees run to a check cashing place instead of depositing at a bank so now they require everyone to have direct deposit.
What's more I've opened several checking accounts none of which will hold your opening deposit until you get your debit card, I've usually had permanent checks and a debit card within a week or so and I was able to deposit and withdraw money before I got me debit card, here they've had my $50 opening balance for 2 weeks, still no debit card and they won't give me back my $50. Then what ticks me off, they have a mobile app for android, but while my phone is android, it's too old or something and the app won't work on my phone. If I want to use the mobile banking app, I have to get a new phone.
I guess I should just learn my lesson, my parents won't keep their nose out of my stuff and keep trying to take everything over because they don't think I did it right and I keep trying to work against them but I just can't win. I had to use their address for a time because I had to stay at their place when I was without a job, big mistake because then you are back living with your parents, period. About 6 months ago I found a job again but in a different town. My bank account still had my parent's address and my mom wouldn't let me change it because she wanted to get my statements and see them. I signed up to go paperless, so my mom went into the bank and complained. She got the statements stated again and now my online access is blocked.
I realize I don't know what I'm doing, my parents have always done everything for me in the past and just won't quit, they said if I'm not happy with my current bank account they will find something else for me, but then they came back and said they looked at several banks and what I currently have is better than what they can find. They are just so afraid I'm going to make a mistake they won't let me do anything for myself and anything I do is never good enough so they have to step in and fix it. I'm determined to find something they can't step in and change, but I've never had to do it before so I guess it will be lots of opening and closing accounts until I get it right.