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Bluebird prepaid debit, now with FDIC insurance and paper checks (2013-2014)

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Old Apr 3, 2013, 11:44 am
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: markr33
Read the wiki before posting a question.

Check your BB load limits BEFORE asking in this thread about "tender not allowed" or any other errors.

Bluebird website. There's no need to buy a Bluebird kit in-store; sign-up free on the website.

The original FlyerTalk discussion thread is here: Wal-Mart, Amex take on banks with Bluebird debit card

Bluebird Load Limits:
  • BB loading via VR or WM load: $2,500/day and $5,000 total per calendar month
  • Online Debit Card Load* - $200/day and $1,000/month
  • Checking/Savings Account - $2,000/month
  • Checks - $2,000/day and $10,000/month
  • ATM Withdrawals - $750/day and $2,000/month

*For online debit load, only use of bank-issued cards is allowed. The use of pre-paid debit cards (Netspend, Paypower, Univision, Paypal, etc.) and VGC/MGC/AGCs is not allowed. Your account will be flagged upon first/second attempt. If blocked, call Account Protection Services at 1-800-660-2454 to clear it (9am-8pm EST, Mon-Fri).

The day currently resets around midnight Eastern/11pm Central/10pm Mountain/9pm Pacific.

For online bill pay
  • You can pay the credit card that you used to buy reloads
  • Error 1302 means that you have 1 pending payment the same amount as the one you just submitted. For example, 1000 bill pay to sapphire preferred from Friday and then on Saturday you submit another bill pay for 1000 to sapphire preferred, you will get this error.
  • Tip: if using online bill pay to the same place multiple times, vary your amounts by $0.01 to make it easier to track since your confirmation number does not match the tracking number on your credit card statement


Loading with debit card at Walmart
Self checkout does not work for loading.

Many Walmart stores are enforcing a rule against the use of gift cards when loading, even though the register and the MCE do not enforce. Do not make your prepaid debit cards visible. Show them a bank debit card if asked. Otherwise, you may be asked by management to never visit the MC again to load with gift cards.

Loads at register over $500 will sometimes trigger ID requirement. There is a limit of four swipes per transaction; this means your card plus three payments.

If your card doesn't say "debit" on the front, it isn't a debit card.

Please see http://www.flyertalk.com/forum/manuf...bit-cards.html for additional information on using prepaid debit cards.

Training a WM cashier:
  • If the WM cashier doesn't know how to load the card, advise them to enter "70" then press "action code".
  • If you are using a temp card that doesn't have your name on it, you can swipe the card from your side of the terminal. The WM rep never has to touch any of your cards. The screen will say "enter account." That is your prompt to slide the card.
  • The terminal will ask the WM employee if you are loading in multiples of $2000. Advise them to enter "no."
  • Avoid saying gift card. Always refer to your card as a debit card.

Error Messages:
DEBIT NOT AVAILABLE
Received when I used a card I thought I had activated but hadn't.

DEBIT NOT APPROVED
Received when the card's monthly load limit had been reached.

TENDER NOT ALLOWED
Card was incorrectly read, or wrong PIN entered .

HOST TIMEOUT
Connection problems. The GC may be drained but the transaction should reverse itself, and funds will become available again. Try again later.

UPdate Notice on Sept 15, 2014.
Some minor changes on the ATM limits and fees:
Out-of-Network ATM Fees:
Beginning October 30, 2014, the fee for withdrawing funds using out-of-network ATMs will increase from $2.00 to $2.50. ATM operator fees may also apply.
Free In-Network MoneyPass® ATMs:
Effective immediately, all Bluebird Customers can withdraw funds for free when using in-network MoneyPass ATMs. You can find one of the more than 24,000 MoneyPass ATMs below.
ATM Withdrawal Limits Increase:
We have increased your daily ATM limit, so you can withdraw up to $750 per day. Your monthly ATM withdrawal limit will remain at $2,000.

-----

•If you use Wal-Mart Savings Catcher, you can earn double rewards by redeeming to your BlueBird account <== Doubling of savings catcher amounts ended sometime in the summer of 2015.
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Bluebird prepaid debit, now with FDIC insurance and paper checks (2013-2014)

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Old Mar 28, 2013, 11:11 am
  #61  
 
Join Date: Jul 2012
Location: PA
Posts: 82
Just ordered my 100 free checks. This totally improves my ability to spend with BlueBird. I know I could always mail checks, but I prefer handing it over personally for certain things like rent payments, charitable gifts, etc. This is an awesome feature.
wastedwords is offline  
Old Mar 28, 2013, 11:22 am
  #62  
 
Join Date: Jan 2013
Posts: 96
Originally Posted by GatorBlues
Has anyone successfully loaded an account to more than $10,000 yet? I will buy more beans on April 1 if so, but given some fraud issues with Altanta beans, I don't want to buy more unless I'm certain these BB changes are up and running so I can offload my beans to my BB account right then and there at the check out counter after paying.
Don't think you are going be able to load to $10,000 solely through VR in 1 month. I think you would need to either 1) load over multiple months or 2) use DD to get your balance on the card over $10,000. And you will still be bound by the $1,000 a day loading limit using VR.
stainlesspoints is offline  
Old Mar 28, 2013, 1:44 pm
  #63  
 
Join Date: Mar 2012
Location: SAN
Posts: 1,396
Got an e-mail today indicating my check order had shipped. Although it listed UPS as the carrier, the field for "tracking number" was left blank - anyone else experience this?
CFFrost is offline  
Old Mar 28, 2013, 2:12 pm
  #64  
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Join Date: Apr 2000
Location: FLL -> Where The Boyars Are
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Posts: 18,669
Originally Posted by CFFrost
Got an e-mail today indicating my check order had shipped. Although it listed UPS as the carrier, the field for "tracking number" was left blank - anyone else experience this?
With other shippers, UPS tracking numbers sometimes take 24 hours (or so) to show up in the system.

This happened to me recently when Briggs & Riley sent an e-mail notifying me that my repaired luggage was on its way back to me, The details showed up in the UPS tracking system a day later.
Non-NonRev is offline  
Old Mar 28, 2013, 2:23 pm
  #65  
 
Join Date: Mar 2012
Location: SAN
Posts: 1,396
Originally Posted by Non-NonRev
With other shippers, UPS tracking numbers sometimes take 24 hours (or so) to show up in the system.

This happened to me recently when Briggs & Riley sent an e-mail notifying me that my repaired luggage was on its way back to me, The details showed up in the UPS tracking system a day later.
I'm used to that - but in this case the e-mail was actually blank, so I don't even have a tracking number to check. I guess its not that big of a deal, they will get here when they do. I just thought it was odd.
CFFrost is offline  
Old Mar 28, 2013, 2:26 pm
  #66  
 
Join Date: Jun 2012
Location: Atlanta
Programs: Delta Diamond; HHonors Diamond
Posts: 655
Originally Posted by stainlesspoints
Don't think you are going be able to load to $10,000 solely through VR in 1 month. I think you would need to either 1) load over multiple months or 2) use DD to get your balance on the card over $10,000. And you will still be bound by the $1,000 a day loading limit using VR.
I already have $10,000 in the account from loading VRs this month and last. I don't want to buy any more in April unless I'm sure they will load successfully. It's not safe to hold VRs in Atlanta without offloading them right away. The crooks will steal your money. It happened to me on two cards earlier this month. About 15 hours after purchase, the money was already gone from the cards when I tried to do the VR to BB transfer. VR quickly fixed it for me, but it was a hassle.

So, again, I want to be sure that loading above $10,000 is up and running smoothly before I buy any more VRs. Has anyone done it yet?
GatorBlues is offline  
Old Mar 28, 2013, 2:29 pm
  #67  
 
Join Date: Mar 2012
Location: SAN
Posts: 1,396
Originally Posted by GatorBlues
I already have $10,000 in the account from loading VRs this month and last. I don't want to buy any more in April unless I'm sure they will load successfully. It's not safe to hold VRs in Atlanta without offloading them right away. The crooks will steal your money. It happened to me on two cards earlier this month. About 15 hours after purchase, the money was already gone from the cards when I tried to do the VR to BB transfer. VR quickly fixed it for me, but it was a hassle.

So, again, I want to be sure that loading above $10,000 is up and running smoothly before I buy any more VRs. Has anyone done it yet?
Why don't you buy one VR and find out? Worst case scenario you can quickly pay $500 to a credit card, and then load the new VR.
CFFrost is offline  
Old Mar 28, 2013, 3:18 pm
  #68  
 
Join Date: Jun 2012
Location: Atlanta
Programs: Delta Diamond; HHonors Diamond
Posts: 655
Originally Posted by CFFrost
Why don't you buy one VR and find out? Worst case scenario you can quickly pay $500 to a credit card, and then load the new VR.
I will probably do that on April 1, but perhaps someone here will have loaded an account to more than $10,000 by then so that I won't have to be the guinea pig. Before April 1, I can't do it anyway because I've already loaded the monthly VR max.
GatorBlues is offline  
Old Mar 28, 2013, 3:34 pm
  #69  
Formerly known as cagalindo
 
Join Date: Sep 2010
Location: MCO TPA
Programs: Citi AA/HH/TYP Amex SPG/HH & Chase SP/PC
Posts: 1,335
the CSR told me the 1k limit is waived if you reload over the phone but also mentioned he is unable to do that
caGALINDO is offline  
Old Mar 28, 2013, 3:57 pm
  #70  
 
Join Date: Feb 2012
Location: MSP
Posts: 376
FT Lex column on BB

http://www.ft.com/intl/cms/s/3/e6da9...#axzz2OsE0ooNI

"By the end of January, Bluebird had more than 575,000 accounts with $275m of funds."
guoguo914 is offline  
Old Mar 28, 2013, 4:05 pm
  #71  
 
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,904
Originally Posted by guoguo914
http://www.ft.com/intl/cms/s/3/e6da9...#axzz2OsE0ooNI

"By the end of January, Bluebird had more than 575,000 accounts with $275m of funds."
That's $478.26 per account, or less than a fully loaded VR!
amolkold is offline  
Old Mar 28, 2013, 4:53 pm
  #72  
 
Join Date: Dec 2010
Location: Long Beach
Programs: HHonors Diamond, Hyatt Diamond
Posts: 1,171
Originally Posted by ddallas
If the supervisor does not know of that feature, hang up and call again. Keep calling and asking for a supervisor until you find one that knows about it.
if this works please post the supervisors name
particlemn is offline  
Old Mar 28, 2013, 5:09 pm
  #73  
 
Join Date: Sep 2001
Location: Washington, DC
Programs: UA Plat MM, AA Gold, Hyatt Explorist, Hilton Gold, IHG Plat, Marriott Titanium Elite
Posts: 5,015
Originally Posted by particlemn
As I recall you just call up bluebird ask to speak to a supervisor and tell them to load you BB over the phone directly from your credit card
Recall from what? From a dream? Or are you just joking? Nowhere does it say you can load DIRECTLY from a credit card, only a debit card (and that one is limited to $100 a day and requires you to pay a $2 fee).
DCBob is offline  
Old Mar 28, 2013, 6:07 pm
  #74  
 
Join Date: Feb 2013
Posts: 801
he's joking folks
WhateverDude is offline  
Old Mar 28, 2013, 6:11 pm
  #75  
 
Join Date: Oct 2011
Posts: 42
Originally Posted by CFFrost
Got an e-mail today indicating my check order had shipped. Although it listed UPS as the carrier, the field for "tracking number" was left blank - anyone else experience this?
Same here, no tracking #.
rumpus is offline  


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