Oct 25, 2013, 11:21 am
Last edit by: JAXBA
Read the wiki before posting a question.
It's a literacy test that's easy to pass.
This is the Serve thread. Post questions or information concerning other topics in the appropriate threads elsewhere in this forum.
For additional information on using prepaid debit cards, see PIN available now for Visa/MC prepaid debit cards.
Mentions of Softcard (formerly ISIS) are purely incidental to setting up and using Serve/Softcard. Softcard does not hold money, and you cannot load to it.
You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.
https://www.serve.com/#/add-cash
If your card doesn't say "debit" on the front, it isn't a debit card.
Loads at 7-11 and CVS are cash only. Debit cards are NOT allowed.
Loads at Walmart have been confirmed with debit cards. Self checkout does not work for loading Serve. Many Walmart stores are enforcing a rule against the use of prepaid debit 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, then discreetly use your prepaid card when asked to swipe. Otherwise, you may be asked by management to never visit the MC (Walmart Money Center) again to load.
Debit loading at Family Dollar appears to be limited to $500 per day per store total (not per person or per account). Whoever gets there first gets the load for the day. Troubleshooting loading problems at FD
Normal Serve
You can combine the three methods above and load a total of $7k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Serve/Softcard Check if your phone/network is compatible
You can combine the three methods above and load a total of $8k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
The SD card in the iPhone case used for Softcard is account specific. Once an account has been registered to a card, it cannot be used for another.
Temp Serve
You can only load a maximum of $500/day, $1000/month on a temporary card. Once you get your permanent card, then you can load more. The initial $500 when you purchase the temp card doesn't count against the $5,000/month load limit.
Online Credit Card Loads
Only one card can be linked at a time.
As of 10/09/14, coding of credit card loads changed. In general, Mastercard and American Express cards post as before; see below for information on point earning. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.
The Chase Ink Bold is a charge card and has no cash advance ability.
Treated as purchase, earns cashback/points/miles:
Treated as purchase, but doesn't earn points/miles:
Posts as a cash advance:
For online CC/DC loads, the name on the Serve account is supposed to match the name of the primary or joint cardholder. So using someone else's CC/DB card to load a Serve account is not allowed.
Several people have reported no problems with loading with an AU card in the Serve account holder's name. Increase your chances by making sure the AUs social security number is on file with the Credit Card. YMMV.
When adding a new card you will usually need to call Serve Account security (1-800-555-4318) for verification of the new card on the second load try. This verification usually requires uploading of a photo of your ID and the credit card. You may pre-emptively avoid the error by going to the above website, logging in, and uploading a scan of a photo ID and the card you are trying to add. You may call back to expedite approval.
Online Debit Card Loads
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. While initial transactions may work, your account will eventually be flagged.
Switching to Serve or Serve/Softcard
Helpful instruction post, latest. Thanks raeneye.
Also see this thread: Switching from Serve to BlueBird - 31 day wait???
Switching to Serve/Softcard
Switching from BB to Serve
The number to call to approve your registration after closing Bluebird: Serve Account security 1-800-555-4318
Loading with debit card at Walmart register
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.
Training a WM cashier:
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.
Using Serve
For online bill pay
For bank transfers
Under Settings --> Funding & Transfers --> Bank & Cards --> U.S. Bank Account, you can add your bank info and transfer funds from your Serve card directly to your bank. The bank account must be verified, either by the standard "deposit 2 small sums into your account, such as $0.23 & $0.42" method, or doing an "instant verification" by actually logging into your bank account while still logged into Serve.
===
People with an apartment address can find helpful information quoted in post #8530
It's a literacy test that's easy to pass.
This is the Serve thread. Post questions or information concerning other topics in the appropriate threads elsewhere in this forum.
For additional information on using prepaid debit cards, see PIN available now for Visa/MC prepaid debit cards.
Mentions of Softcard (formerly ISIS) are purely incidental to setting up and using Serve/Softcard. Softcard does not hold money, and you cannot load to it.
You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.
https://www.serve.com/#/add-cash
If your card doesn't say "debit" on the front, it isn't a debit card.
Loads at 7-11 and CVS are cash only. Debit cards are NOT allowed.
Loads at Walmart have been confirmed with debit cards. Self checkout does not work for loading Serve. Many Walmart stores are enforcing a rule against the use of prepaid debit 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, then discreetly use your prepaid card when asked to swipe. Otherwise, you may be asked by management to never visit the MC (Walmart Money Center) again to load.
Debit loading at Family Dollar appears to be limited to $500 per day per store total (not per person or per account). Whoever gets there first gets the load for the day. Troubleshooting loading problems at FD
Normal Serve
- Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
- Online Debit Card Load - $200/day and $1,000/month (NOT a gift card with a PIN that some people call a "Debit card")
- Online Credit 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
You can combine the three methods above and load a total of $7k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Serve/Softcard Check if your phone/network is compatible
- Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
- Online Debit Card Load - $500/day and $1,500/month (NOT a gift card with a PIN that some people call a "Debit card")
- Online Credit Card Load - $500/day and $1,500/month
- Checking/Savings Account - $2,000/month
- Checks - $2,000/day and $10,000/month
- ATM Withdrawals - $750/day and $2,000/month
You can combine the three methods above and load a total of $8k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
The SD card in the iPhone case used for Softcard is account specific. Once an account has been registered to a card, it cannot be used for another.
Temp Serve
You can only load a maximum of $500/day, $1000/month on a temporary card. Once you get your permanent card, then you can load more. The initial $500 when you purchase the temp card doesn't count against the $5,000/month load limit.
Online Credit Card Loads
Only one card can be linked at a time.
As of 10/09/14, coding of credit card loads changed. In general, Mastercard and American Express cards post as before; see below for information on point earning. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.
The Chase Ink Bold is a charge card and has no cash advance ability.
Treated as purchase, earns cashback/points/miles:
- Bank of America (FIA) (MasterCard, American Express)
- Barclaycard (Mastercard, Visa)
- Capital One (Mastercard, Visa)
- Chase (MasterCard, Visa)
- Citi (MasterCard, American Express)
- Discover
Treated as purchase, but doesn't earn points/miles:
- American Express (May count toward minimum spend)
Posts as a cash advance:
For online CC/DC loads, the name on the Serve account is supposed to match the name of the primary or joint cardholder. So using someone else's CC/DB card to load a Serve account is not allowed.
Several people have reported no problems with loading with an AU card in the Serve account holder's name. Increase your chances by making sure the AUs social security number is on file with the Credit Card. YMMV.
When adding a new card you will usually need to call Serve Account security (1-800-555-4318) for verification of the new card on the second load try. This verification usually requires uploading of a photo of your ID and the credit card. You may pre-emptively avoid the error by going to the above website, logging in, and uploading a scan of a photo ID and the card you are trying to add. You may call back to expedite approval.
Online Debit Card Loads
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. While initial transactions may work, your account will eventually be flagged.
Switching to Serve or Serve/Softcard
Helpful instruction post, latest. Thanks raeneye.
Also see this thread: Switching from Serve to BlueBird - 31 day wait???
Switching to Serve/Softcard
- Call up Bluebird or Serve and close account. Make sure your account is at $0.00 before calling. Just close it, don't ask for a temp Serve or anything. CSR will say account is now closed and you have 30 days to change your mind should you decide to re-open it.
- Download the Softcard mobile app from Apple App Store or Google Play Store. If you're an iPhone user you have to buy the NFC CashWrap case from your carrier store.
- Launch Softcard Mobile App and create Softcard account. You'll be asked if you want to open a Serve account; Yes you do. Start the registration through Softcard mobile app for a Serve account, once you are finished you will be told you will receive an Email from Amex with your account approval. I waited a few hours and called Serve customer service like the wiki says and completed the registration.
- Once I got off the phone with Serve I received an email from Serve where I verified my account and email; at this point Amex Serve is open.
- Launch Softcard Mobile app again click add new
- Activate card with Softcard and select Amex Serve. Follow the instructions & you're good to add. Once this is complete a Serve Card will populate in Softcard. Must activate physical card to get full load limits. Check account status and it automatically credits to your serve account based on who you signed up with. (Verizon - $25, T-Mobile - $50, AT&T - $30 (For AT&T: Get $15 w/activation. Earn additional $15 w/account replenishment))
Switching from BB to Serve
- Login to BB account, bring account balance to Zero, (By Bill Pay, Send money, etc..)
- Call BB, tell them that you want to open a serve account and close your current BB account. after they check everything they will say something like: "Your account will be permanently closed after 31 days, you can reopen it within 31 day if you change your mind, and you can apply for your new Serve account now, just make sure use the exact same register info from BB."
- at this point BB is closed. next morning, goto CVS and get a temporary Serve card (only with cash), load $500, ($2.95 waived, Yeah!!)
- get back home, register temporary Serve online, First error: "phone number already registered, please try a different number" could be the my BB's ghost account still showing up on their system, could be my info is not match my BB's registration? i'm not really sure at this point. What I did is keep the same number but change from Cell phone to home phone. and registration went through
- after the register and login, second error: "We're still processing your application. Please check your email for an update"
- I have see people on the thread reported waiting for weeks for the same message, So, I pickup the phone and called them, ask them to speed up the process.
- CSR, told me that my account went to "account security protection department" transfer me to them.
- at account security protection department, they told me need to call back on my phone number which I registered to verify.
- after the call back of verification, CSR told me that my new Serve account is active now, email address verification will be send with in 5 minutes, permanent card will be received within 7-10 days.
- CSR also told me the I can load and spend on the temporary card, but not bill pay.
The number to call to approve your registration after closing Bluebird: Serve Account security 1-800-555-4318
Loading with debit card at Walmart register
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.
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.
Using Serve
For online bill pay
- You can pay the credit card that you used to buy VRs/GCs
- 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
For bank transfers
Under Settings --> Funding & Transfers --> Bank & Cards --> U.S. Bank Account, you can add your bank info and transfer funds from your Serve card directly to your bank. The bank account must be verified, either by the standard "deposit 2 small sums into your account, such as $0.23 & $0.42" method, or doing an "instant verification" by actually logging into your bank account while still logged into Serve.
===
People with an apartment address can find helpful information quoted in post #8530
Serve - Another Paypal/Amazon Payments.
Jun 22, 2014, 2:21 pm
#4606
Join Date: Oct 2013
Posts: 920
The thing is that doesn't hold true for everybody. Some people have to call in on first load, other never have to call in. I have 2 cards that have been through both of the above situations.
Jun 22, 2014, 2:27 pm
#4607
Join Date: Dec 2013
Location: NYC
Posts: 5,025
So it is really YMMV
Jun 22, 2014, 8:30 pm
#4608
Join Date: Sep 2007
Location: Sacramento
Programs: UA, AA, Delta
Posts: 177
yeah sounds like is really YMMV on new CC/DBs. I'll call SERVE tomorrow and give you guys an update. Thanks.
Jun 22, 2014, 9:32 pm
#4609
Join Date: Mar 2014
Posts: 26
There is no rhyme or reason to it: I have changed credit cards 3 times in 4 months and never had to call in, yet my sister had to call in after changing her card the first time.
Jun 22, 2014, 10:13 pm
#4610
Join Date: Dec 2013
Posts: 3,509
There is no rhyme or reason to it: I have changed credit cards 3 times in 4 months and never had to call in, yet my sister had to call in after changing her card the first time.
Jun 22, 2014, 11:57 pm
#4611
Join Date: Apr 2014
Location: SFO
Posts: 175
I understand loading $$ from AP to Serve $250 x2 for $50 bonus but is there any other reason to load from AP to Serve?(and I've read and read).
Also, I understand that one can BP with Serve but what is the points/miles benefit of loading from Checking/Savings account and/or checks?
thanks
Also, I understand that one can BP with Serve but what is the points/miles benefit of loading from Checking/Savings account and/or checks?
thanks
Jun 23, 2014, 12:08 am
#4612
Join Date: Dec 2013
Posts: 3,509
I understand loading $$ from AP to Serve $250 x2 for $50 bonus but is there any other reason to load from AP to Serve?(and I've read and read).
Also, I understand that one can BP with Serve but what is the points/miles benefit of loading from Checking/Savings account and/or checks?
thanks
Also, I understand that one can BP with Serve but what is the points/miles benefit of loading from Checking/Savings account and/or checks?
thanks
Jun 23, 2014, 12:18 am
#4613
Join Date: Apr 2014
Location: SFO
Posts: 175
I think the only reason why you would consider transferring funds from AP to Serve is just to avoid transferring money from AP to your real checking account and the bank seeing a bunch of $500 transactions. Maybe its not a big deal. If you have read and read then what have you "read" about? I don't think it would take that long to figure this out.
I've read and read to try to figure out why someone would transfer money from AP to Serve and couldn't find any real reason except the $50 bonus.
Thanks
Jun 23, 2014, 12:25 am
#4614
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
OK-- I guess I understand about AP and my "real" checking account. I have it really easy for AP-- A>B>C and C just drops it in my bank account, he doesn't care about miles!
I've read and read to try to figure out why someone would transfer money from AP to Serve and couldn't find any real reason except the $50 bonus.
Thanks
I've read and read to try to figure out why someone would transfer money from AP to Serve and couldn't find any real reason except the $50 bonus.
Thanks
Jun 23, 2014, 12:48 am
#4615
Join Date: Apr 2014
Location: SFO
Posts: 175
You! I've read and read you more than anyone else, love those days when you tell folks "no they can't" (and then others tell you you're being 'mean" today-- see I do read the threads) when the real answer is "yes they can."
I guess if you combine money from CC load, debit load and WM (which I don't use) and need a little more to pay CC or something else it makes sense to ACH. At my stage in this game I want every move to count and may overthink always trying to see the miles in the move.
I guess if you combine money from CC load, debit load and WM (which I don't use) and need a little more to pay CC or something else it makes sense to ACH. At my stage in this game I want every move to count and may overthink always trying to see the miles in the move.
Jun 23, 2014, 12:52 am
#4616
Join Date: Dec 2013
Posts: 3,509
OK-- I guess I understand about AP and my "real" checking account. I have it really easy for AP-- A>B>C and C just drops it in my bank account, he doesn't care about miles!
I've read and read to try to figure out why someone would transfer money from AP to Serve and couldn't find any real reason except the $50 bonus.
Thanks
I've read and read to try to figure out why someone would transfer money from AP to Serve and couldn't find any real reason except the $50 bonus.
Thanks
Method 1:
You withdraw $500 from AP to your "real checking account" to pay off Amex CC (for example). Then you log onto Amex and request to transfer money from your "real checking account" to pay off CC bill.
Method 2:
You withdraw $500 from AP to BB/Serve account to pay off Amex CC (for example). Then you log onto BB/Serve and use the funds from AP to do BP to your Amex CC directly.
Jun 23, 2014, 12:55 am
#4617
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
You! I've read and read you more than anyone else, love those days when you tell folks "no they can't" (and then others tell you you're being 'mean" today-- see I do read the threads) when the real answer is "yes they can."
I guess if you combine money from CC load, debit load and WM (which I don't use) and need a little more to pay CC or something else it makes sense to ACH. At my stage in this game I want every move to count and may overthink always trying to see the miles in the move.
I guess if you combine money from CC load, debit load and WM (which I don't use) and need a little more to pay CC or something else it makes sense to ACH. At my stage in this game I want every move to count and may overthink always trying to see the miles in the move.
As for the bolded. You're wise to overthink your moves. Those who don't are left holding the bag panicking.
Jun 23, 2014, 10:00 am
#4618
Join Date: Apr 2014
Posts: 3
I want to open two serve/Isis accounts. Do I need two different phones for this, or can I just sign up one account with a cash wrap case, and then get another cash wrap case and sign up for the second account, but use the same phone both times?
Jun 23, 2014, 11:05 am
#4619
Join Date: Sep 2007
Location: Sacramento
Programs: UA, AA, Delta
Posts: 177
Quote:
Originally Posted by hitman1420 View Post
The thing is that doesn't hold true for everybody. Some people have to call in on first load, other never have to call in. I have 2 cards that have been through both of the above situations.
Quote:
Originally Posted by Domat View Post
I even once had where they told me to call in. I didn't but tried to load with that same card 3-4 days later and it worked.
So it is really YMMV
yeah sounds like is really YMMV on new CC/DBs. I'll call SERVE tomorrow and give you guys an update. Thanks."
Called SERVE today and had to verify all my bank account and cards on my new SERVE card. They had me on the line with the CSR from each bank and debit/credit cards. Took about 30 minutes. Did a test transfer from debit card and it went through okay.
Originally Posted by hitman1420 View Post
The thing is that doesn't hold true for everybody. Some people have to call in on first load, other never have to call in. I have 2 cards that have been through both of the above situations.
Quote:
Originally Posted by Domat View Post
I even once had where they told me to call in. I didn't but tried to load with that same card 3-4 days later and it worked.
So it is really YMMV
yeah sounds like is really YMMV on new CC/DBs. I'll call SERVE tomorrow and give you guys an update. Thanks."
Called SERVE today and had to verify all my bank account and cards on my new SERVE card. They had me on the line with the CSR from each bank and debit/credit cards. Took about 30 minutes. Did a test transfer from debit card and it went through okay.
Jun 23, 2014, 11:20 am
#4620
Join Date: Oct 2013
Location: WAS
Programs: SPG Plat. Marriott Plat. Hilton Diamond. Hyatt Diamond. IHG Plat.
Posts: 2,580
If Android you'll need 2 different secureSIM's
iPhone, you'll need 2 CashWrap cases.
Did they three way you in? Or did she put you on hold while they talked?