This question is about GO2bank @kendallmorris • 09/20/20 This answer was first published on 09/21/20 and it was last updated on 09/20/20.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution.
Editorial and user-generated content is not provided, reviewed or endorsed by any company. To get your stimulus payment deposited in your Green Dot bank account, you can use the "Get My Payment" tool from the IRS to send that info directly to the Department of Treasury. However, if the IRS has already scheduled your payment for delivery before you send the information, you won’t be able to change
the delivery method. Your check will arrive as scheduled, by mail. Alternatively, if you got your tax refund on a Green Dot card, your stimulus will automatically be deposited there. Answer Question WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Did we answer your question? Sorry! How can we improve this answer? February 22, 2018 at 11:26 am #4229422 I have Green Dot it’s 10:25 am in Killeen texas and I have a DD of today and still nothing! I’ve called green dot they said nothing is pending I called the IRS I was place on hold for a hour with no help I haven’t even been waiting on my taxes February 22, 2018 at 9:45 am #4229305 It is 845 my time and is STILL not there… This is crazy. I’m going to flip shit soon February 22, 2018 at 9:39 am #4229295 @ BILL YEAH I GOT MONEY IN 2017 ON BLUEBIRD AT 516 PM ON FEB 15TH 2017 MONEY ON BLIEBIRD 2018 AT 524 ON FEB 16TH AT 524 PM SO BLUEBIRD IS THE S***!!!! LOL GREENDOT SUCKS !!! FINALLY GOT GREENDOT MONEY BUT I WAS AFRAID TO CHECK LOL THANKS AGAIN BILL U DA BEST !!!! February 22, 2018 at 9:33 am #4229287 WOW AT 445 AM MONEY NOT THERE SO I FIGURE WHEN CHECK NOW IT NOT GONNA BE THERE EITHER SURPRISE LOL GOOD DAY YALL February 22, 2018 at 8:09 am #4229167 Its 7:07 central centraltime and still NOTHING. I’m about ready to freak out February 22, 2018 at 8:06 am #4229161 I GOt mine on greendot reward around 7am eastern February 22, 2018 at 8:01 am #4229147 Just checked 8am eastern got mine regular Green Dot card February 22, 2018 at 7:39 am #4229111 Wmmc. Refund has deposited 5:30 MST. Good luck everyone see you next year! February 22, 2018 at 7:13 am #4229067 Got my money at 7 am wmmc ATL lol see ya next year February 22, 2018 at 7:11 am #4229063 Walmart Green Dot Cards just deposited February 22, 2018 at 7:11 am #4229062 Finally!!!Cst/ Missouri check wmmc February 22, 2018 at 7:08 am #4229056 7am eastern, greendot GOT iT February 22, 2018 at 6:26 am #4228974 February 22, 2018 at 6:22 am #4228970 okay last post for tonight, srsly. getting tired, lol. Green Dot Bank will post to the lower tier cards, like accountnow and walmart and such between 630 and 830 eastern. most accounts will have access to their funds by 830. those that don’t shouldn’t panic, all 2/22 disbursements will happen by 12:30. the rare few at the tail end of the bell curve might have deposits that are thrown off an hour by time zone differences, but i doubt it. 8:30am and 12:30 are your latest possible deposit times on Green Dot for 2/22. I’ll be around tmrw to celebrate. Try not to be too salty, they are just following the rules to the absolute letter this year. scroll down for my earlier posts on the subject :) February 22, 2018 at 5:57 am #4228953 No dd on green dot card. Confirmed with republic bank that it was sent 2-21 for 2-22 availability at green dot. Called the wonderful off shore customer service. I asked where my direct deposit was. She responded that my tax refund wasn’t there yet and I need to call the irs. i never stated that it was a tax refund. I explained to her that it was coming from republic bank not the irs. Again she said tax refund that she doesn’t see it but as soon as it posts they will make it available and that I need to call and ask for the 15 digit trace number. Had a green dot card for years but they just keep getting worse February 22, 2018 at 5:46 am #4228936 I’m in same Fracking boat, 5:45 here February 22, 2018 at 5:44 am #4228934 What is going on with the Green Dot cards I have WMC and it is 3:43am and still no deposit first time using it just my luck February 22, 2018 at 5:38 am #4228926 My paycheck is always here at 333 on the dot.. not even got that yet.. I mean really wtf.. I’m done with greendot.. or any of their subcards..aka walmart money card etc February 22, 2018 at 5:33 am #4228921 MY PAYCHeck post by 530am every Thursday. Not only have I not got the second half of my refund. But now my paycheck isn’t there either. I have the other $1000 on another card because I had it split on two accounts. February 22, 2018 at 5:31 am #4228916 Upset because they haven’t posted my check yet either February 22, 2018 at 5:30 am #4228913 @kid within 24 hours? multiple years in a row? for real? Amex for the win. February 22, 2018 at 5:30 am #4228912 Yea rhat would suck, but it’s done, not worth fighting imo February 22, 2018 at 5:27 am #4228911 My wife messed ours up forgot the last number on direct deposit I’m so mad at her February 22, 2018 at 5:25 am #4228910 I feel sick greendot still no deposit this sucks first year I haven’t received early first time using greendot hoping it’s coming this morning February 22, 2018 at 5:16 am #4228904 I ALSO LOOKED AT LAST YEAR BLUEBIRD REFUND AND GOT IT ON THE 15 TH OF FEB SO I CAN ONLY LOOK BACK THAT FAR AND FOR 2 YEARS I HAVE GOT BLUEBIRD REFUND WITH IN 24 HOURS SO ITS CRAZY HOW GREENDOT STILL HAVE MO MONEY ITS A BUNCH BS HOW EVER IT IS!!!!! February 22, 2018 at 4:28 am #4228753 The service: Covered by the rules layed out in Operating Circular 4 for ACH and 5 for FED
electronic access… here’s all of the if ya want :) its almost all in circular 4 with more about the monitoring services in appendix e – it does not necessarily mean ‘under investigation’ in the criminal sense – it means that the federal reserve can be paid by private banks to provide extra mission critical services in certain circumstances (like in anticipation of being flooded with tax returns)… it still smells like duck… or, you know, legally regulated payola… AMEX may have just paid for the top tier service from the Fed for Bluebird/Serve customers, netspend paid for some services, and greendot etc did not this year… February 22, 2018 at 3:41 am #4228787 Woke up briefly to check my card…. NOTHING.. Hating life right now.. Going back to sleep 😲😲😲 February 22, 2018 at 3:21 am #4228775 one more link if you’re gonna be an informed consumer: https://www.frbservices.org/fedline-solutions/service-setup/fedline-advantage/index.html This is probably the package AMEX subscribed to and like got a value-added contact on FedACH file-processing services. pay for the the top tier banking processor, and i bet your cardholders get their refund early. a simple duck, sorry for sounding like a kinda rude paranoid, I’m old, it’s late and I truly wasn’t aware your bank could just buy it’s way to the front of the data line. I’d stick with your serve card man, turns out that they’re playing the pro game :) February 22, 2018 at 3:09 am #4228764
i don’t know if this is about to double post but i want to be clear about something i said: AMEX is not under criminal investigation as far as i know. Fed Monitoring is a service that can also be purchased so AMEX could have simply Bought their customers priority access and data processing directly from the federal reserve. Netspend could have purchased a middle tier package which would have dropped at the same time as certain other account types (gold checking, platinum credit, etc) at other institution that bought the same package. Only Amex bought the top tier, that’s why only amex got the priority drop. I sometimes forget that the Federal Reserve is a private corporation, not a federal regulatory body and can do crap like that to promote competition in the marketplace they service… February 22, 2018 at 2:45 am #4228726 @kid like i say in my final paragraph and to nate in the next post down. American Express owns Bluebird and Serve. If AMEX dropped thowse in realtime, the only explanation is that AMEX was being investigated by the Federal Reserve and was being required to drop those funds to accounts due to some reason unknown that triggered the FED to enact their monitoring rules. Green Dot had that happen a few years back, and netspend had it happen last year… hey guys… Is it possible that Nobody has a card that deposits FED ACH early on schedule – its just that the monitoring rules trigger a flood of super early refunds to one card or the other and every says ‘well last year this one dropped first’ so a bunch of people move to a new card and complain that last years fastcard didn’t deposit on fastday this year. Each card company would know with plenty of warning if they had to do that, its never a surprise to the corporate folks, and they might have time to use that secret to their advantage and get a bunch of tax returns through the books to make sure they don’t get punished for whatever they were being monitored for and sell a bucktoothed load of fee-revenue driven plastic. hmm… dunno, but if it looks like a duck and quacks like a duck don’t ask too many questions… i’ll cite my sources, gimme a sec to grab a dr thunder, lol February 22, 2018 at 2:30 am #4228705 @ BILL YOU LOST ME BILL I HAVE MY REFUND SPLIT BETWEEN 2 ACCOUNTS AND I GOT MY MONRY ON MY BLUEBIRD CARD ON FRIDAY 2-16-2018 AT 524PM AND I HAVE A DDD OF 2-22-2018 SO HOW DOSE THAT HAPPEN AND GREENDOT HAS NOT GAVE ME MY MONEY YET ???? WHEN IRS SAYS THEY SENT IT TO BOTH PLACES ON SAME DAY ???? February 22, 2018 at 2:30 am #4228704 February 22, 2018 at 2:24 am #4228700
@wick3d if you paid the pigs, it went to an intermediary bank like Santa Barbara Bank & Trust or their subsidiary the Santa Barbar Taxpayer Group. They got them all on friday at like 4pm eastern, processed over the weekend and as they run they drop with a deadline of your DDD – the second date on WMR that says the 27th is the first day the IRS wants to deal with tracking anything down – it will likely never come to that for 99% of us.
it all boils down to this: computers are slow and clunky, the guys making the software are also slow and clunky, no different than a mechanic or waitress or hotel maid, or me or you. So understand that all of the files on the right machines, from your screen to turbotax, from TT to the IRS, from the IRS after processing to the US Treasury, and from there to the federal reserve, through the fed to its 2nd tier banks and their processing systems to SBTPG for funds removal and a second ACH to your bank if you asked to pay fees or got an advance loan on your refund. It goes directly from the Treasury to the Federal Reserve and then directly to your bank/CU/card/etc to be processed on some of the fastest server farms in the world depending on your banking institution. they’re all pretty much the same, except times and time zones and credit card servicing / data processing rules vary for each individual account agreement as far as the actual time that the bank calls it ‘good’ money. MOST Cards do it immediately, 24/7 banks like USAA and CUs like Navy Federal do it immediately, traditional banks do it on a traditional schedule, that’s the only difference as far as ACH is concerned. there is a possibility that AMEX/SERVE/BLUEBIRD was being directly monitored by the Federal Reserve for some reason, which is the only situation in which they would be required by law to drop those funds to accounts instantly with the Federal reserve doing all account reconciliation in realtime… but that’s a pretty out there rule, i don’t see why they’d be a problem – they do a *ton* of identity verification before you can use their accounts… February 22, 2018 at 2:07 am #4228677 @nate i’m always optimistic, but no – i think that green dot is following the rules very very carefully this year so they don’t get regulators breathing down their necks. they were pretty cavalier about letting just about anyone deposit just about anything to their accounts last year and a lot of the high-dollar fraud happened under their watch in the last several. for example: http://abc13.com/finance/more-issues-reported-with-tax-refunds-on-green-dot-cards/534511/ Should they have been more transparent with us, their paying customers? of course, but as they say a sucker’s born every minute and they see the unbanked class as a bunch of poor suckers… i say yeah, you might see a deposit before 830am, but would you rather stay up till ya give in at 4am disappointed and worried, or just take a nap and be well-rested to power responsibly through your morning like a boss when you wake up with a full bank account? just sayin’ ‘0.0’ February 22, 2018 at 2:00 am #4228671 @BILL February 22, 2018 at 1:59 am #4228670 I did my taxes through TT funds taken out, mmy state tax page says funds released on the 20th does it go through sbtpg also? The state that is February 22, 2018 at 1:54 am #4228664 @Bill, do you think we will get a deposit some time today (2/22) February 22, 2018 at 1:53 am #4228663 @Bill February 22, 2018 at 1:52 am #4228660 i mean, i’d guess maybe a statistical anomaly of 50 accounts or so… if that. and i can’t cite any source other than facebook and those could just be liars February 22, 2018 at 1:49 am #4228657 @nate yes, but Greendot has been barely anything and those were in one of the mid day ‘future dated’ (next day @ 830am) batches not enough time between runs unless Green Dot was testing some software nonsense internally… February 22, 2018 at 1:49 am #4228656 @Nate February 22, 2018 at 1:47 am #4228651 @renee individual groups are on the banks own internal deposit reconciliation schedule. Thats a proprietary function of Database Operations and nobody gets to know that info. it’s also, long slow and super complicated. truly a roll of the dice. the batch starts at the time in the second column. so the next one tonight allows banks to send and recieve information to the federal reserve between 2:15-6am to begin processing at 6am for disbursment at 8:30 on same day services or 8:30 the next for our IRS refunds. things can drop at any point after the banks have the data files as long as the tax refunds hit deposit accounts before 830am *the next day* all in all, they have the files – not the money. reconciling the files and posting that data to accounts is what happens between the time of the FED batch ending and the settlement time for the type of ACH transaction – in this case a 2-day. so don’t try to predict, i do data all day and this one really is truly and unknowably random – just be chill and know that your deadline is a deadline. Sometimes you get work turned in before deadline, sometimes it’s right under the wire and computerized data processing is the same game but with those interim times depending on everything from the machines individual ram, to the build of linux a cluster is running. those that got turned in early, were just lucky, and processing them all in small batches over the course of the day allows for all of the deadlines to be adhered to legally, otherwise it would all crash. i would like some way to opt-in or out of the irs test groups though… the is not my first time at the rodeo, lol February 22, 2018 at 1:40 am #4228647 @Renee are you sure that they were base Green Dot users? Walmart cards and a few others may be affiliated with Green Dot but I haven’t seen a base Green Dot user posting claim of an actual deposit. I am not trying to nitpick or argue with you. I feel that all of us will get our money very soon. February 22, 2018 at 1:32 am #4228630 @nate February 22, 2018 at 1:16 am #4228582 @nate federal tax returns are a 2 day ACH, but that is literally the difference between a 1 and a 2 in a certain database field. I think some ppl in the very first test batch got to test the same-day ACH that they want to move to in march, but still got posted 2/22 filing dates on WMR in order to cover the immense posterior the IRS would leave hanging out if those dates said the 17th or 21st and anything went wrong. I also think that the weird 2/23 people are such a small group that they’re going to be sent in the AM, as a more solid second test of the overnight ACH plan. if it works correctly, which it appears that it is, we should see fedwire move money in same day deposits for all future returns making this whole wait and WMR a thing of the past… February 22, 2018 at 1:08 am #4228557 settlement doesn’t technically happen until 8:30am eastern. Settlement is when the money ‘posts’ to the deposit account. It is currently in digital limbo until all of the databases match up (basically). If you have a ‘pending’ this year, you’re waiting on the bank to have the ‘cash on hand’ to cover the deposit. Physically speaking that’s a function of the US fractional reserve banking system, digitally speaking, it is literally when the batch your Federal Reserve ACH deposit is in matches with your account number when your bank runs their internal data batch to settle all accounts. Even cards within the same bank system (like greendot, which covers dozens of value added card servicers) are entirely at the whim of Database Operations at this point. When the data batch runs, it runs, and they tend to run in small batches for the sake of not crashing any computers that are trying to reconcile the accounts. All in all, the systems are working correctly, its just that where you happen to fall in the line seems like a total roll of the dice since tuesday morning. unfair, sure, My car is borked and i really needed to go look at working ones today, but as far as i can tell some people just got flat out lucky. Don’t fall into the trap of thinking that you’re somehow special, or that some other filing tactic would’ve worked better for you — the 22nd is their deadline and a darn good one at that. if it’s not there by 8:30am I’ll send an email to some people and report back with better information and more citable sources as to why the system seems screwy. February 22, 2018 at 12:59 am #4228532 I called sbtpg they told me they released it today and should take 1-2 buiness days….. February 22, 2018 at 12:58 am #4228529 @Renee, I don’t see 12am anywhere on that form so I don’t know why you’d think funds should have been posted at that time. @Bill that page is a bit to swallow. I believe I have a grasp but I am not sure about what type listed that an ACH federal return falls under. Also, what happens when SBTG comes into play? I woke up at 8:45 EST this morning and saw that they had received my refund from the IRS and fees paid. There was a note about ACH taking 2-5 days to process. About 4:30 I checked their site again and the note was gone and replaced by the method being Walmart Money Card (Green Dot). I still have not received funds. So did SBTG say they sent but are waiting to send in batches or is Green Dot posting in batches? February 22, 2018 at 12:53 am #4228520 Looks like we’re not in the last drop, maybe the next one at 2:30 est. February 22, 2018 at 12:47 am #4228503 @Bill February 22, 2018 at 12:43 am #4228496 read the US Treasury ACH Rules in 2018 sticky… It explains all of this and more… February 22, 2018 at 12:41 am #4228490 I don’t honk it’s greendot, I think it’s SPTBG getting that interest… dunno tho February 22, 2018 at 12:36 am #4228484 YEA THIS IS ABSOLUTELY BUNCH OF BS I KNOW I WILL NEVER EVER USE GREENDOT AGAIN FOR TAX RETURN !!!! THAT IS FUNNY 3 DAYS FASTER THEN WHAT A PAPER CHECK IN THE MAIL THATS ALL GREENDOT IS FASTER THEN !!! LOL February 22, 2018 at 12:34 am #4228475 I’m eastern, my pay check comes in at either 5pm or like 3:25am usually February 22, 2018 at 12:30 am #4228470 Green Dot has always been sporadic in their refund deposit times for me. Last year I got it at 9pm EST the day before DDD. Year before that was between 2:30am-4am on DDD. Year before that was around 12pm on DDD. Year before that was after midnight but I don’t remember the DDD. Whole lotta “get your federal tax refund faster” huh? Hopefully It’ll be there when I wake up today (2/22 along with my paycheck which always comes a day early). The kicker is that I work almost all damn day. February 22, 2018 at 12:11 am #4228451 I don’t ever remember it being this late February 22, 2018 at 12:10 am #4228450 SO I JUST CALLED GREENDOT AND THE GUY I SPOKE TO NEVER EVEN ASKED ME WHEN MY DEPOSIT DATE IS OR WAS FOR HE JUST KEPT GOING ON AND ON HOW THEY DO NOT HOLD ANY DEPOSIT!!! THE THING THAT REALLY GOT ME IS THAT HE SAID SOMETIMES THE TAX REFUNDS FROM THE IRS CAN TAKE 3-5 DAYS TO POST TO ACCOUNTS SO I REALLY REALLY HOPE THIS IS NOT A SIGN FOR WHAT IS COMING TOMORROW MORNING FOR ALL OF US AND THEY SAY THE 3-5 DAYS TO EVERYONE THEN THERE NEEDS TO BE AN INVESTIGATION!!!!!!!! PERIOD How early does Green Dot post direct deposits?After activating your Green Dot debit card and setting up direct deposit, you may be eligible to receive your pay up to 2 days early or government benefits up to 4 days before benefits day (subject to deposit verification and depending on your payment provider's process and timing).
How do I see pending deposits on Green Dot?If you are concerned about the status of your direct deposit, please follow these steps:. Contact your employer to verify that the direct deposit was sent. ... . Once you have the TRACE #, call Green Dot Customer Support toll-free at (866) 795-7597 and Green Dot will investigate the transaction.. Does Green Dot deposit tax refunds early?You can get your federal tax refund up to 4 days early and your state tax refund fast when you direct deposit it to your Green Dot account. It's a free and easy way to receive your tax refund faster than a paper check! Avoid waiting by the mailbox, or paying extra fees just so you can cash or deposit your tax refund.
What time will my direct deposit be available?Each bank has different rules, but you can expect most direct deposits to hit your bank account at midnight. This is because some financial institutions update their accounts a few hours after midnight.
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What time does green dot post direct deposits stimulus
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