Wal-Mart, Amex take on banks with Bluebird debit card
Mar 15, 2013, 10:06 am
#7951
Join Date: Aug 2005
Programs: co,skymiles hilton a.a usair
Posts: 290
hi i been using BB for last 3 months with no problems in all kind of payments from car,cc,and taxes couple days i scheduled a payment to ink bussines and yesterday i check on my transactions and there was 2 payments and 2 refunds from same amount back to my account no explanations why
Mar 15, 2013, 10:19 am
#7952
Join Date: Feb 2012
Posts: 731
hi i been using BB for last 3 months with no problems in all kind of payments from car,cc,and taxes couple days i scheduled a payment to ink bussines and yesterday i check on my transactions and there was 2 payments and 2 refunds from same amount back to my account no explanations why
I sent test payments to my Freedom and Ink card a few days ago. The Freedom payment cleared but no update on the Ink card yet.
Mar 15, 2013, 11:21 am
#7953
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
I've signed up for BB.. haven't received my card yet but should get it sometime next week. I am fine w/the whole bill paying feature but the fact that it can't be automated just leaves more work for me..
Since BB can be used to write checks how abouts I just write a check to my wife this month, my dad next month and repeat through a cycle of four relatives annually? This way all my auto-payments stay the way they are and less hassle. Now if BB were more reliable and offered better features I sure wouldn't mind setting up my mortgage payments through them but I don't think they are quite there yet. Thoughts?
Cheers,
Since BB can be used to write checks how abouts I just write a check to my wife this month, my dad next month and repeat through a cycle of four relatives annually? This way all my auto-payments stay the way they are and less hassle. Now if BB were more reliable and offered better features I sure wouldn't mind setting up my mortgage payments through them but I don't think they are quite there yet. Thoughts?
Cheers,
Mar 15, 2013, 11:28 am
#7954
Join Date: Dec 2012
Posts: 114
All this sending checks to various family members seems really convoluted when you can use withdraw to a checking account.
Mar 15, 2013, 11:39 am
#7955
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
What? Why? There's no credit check or credit account reported by bluebird, so any upcoming credit needs wouldn't be affected by a getting a bluebird account.
All this sending checks to various family members seems really convoluted when you can use withdraw to a checking account.
All this sending checks to various family members seems really convoluted when you can use withdraw to a checking account.
If its only once or twice, its not a big deal. If you do it regularly, i would think they might question it.
Mar 15, 2013, 11:53 am
#7956
Join Date: Feb 2004
Location: Just off the Main Line
Programs: AA Lifetime PLT 2MM, DL Lifetime GM 2MM, Bonvoy Lifetime Titanium Elite, HH Diamond, IHG Amb Diamond
Posts: 881
I transfer out several hundred dollars a month. That way I can get free as in FREE ATM withdrawals, as finding a truly free ATM for Bluebird is very difficult, even if use DD to avoid the backend fee. My bank (USAA) lets me withdraw anywhere and rebates the ATM fee.
Mar 15, 2013, 12:00 pm
#7957
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
Mar 15, 2013, 12:01 pm
#7958
Join Date: Dec 2012
Posts: 114
When you apply for a loan, they check your bank statements as well. So if i sent you 3 checks in 3 months, there is a good chance the underwriter will ask you the reason why you are getting these checks. They need to verify your income source and seeing cash/checks being deposited randomly usually means they might question it.
If its only once or twice, its not a big deal. If you do it regularly, i would think they might question it.
If its only once or twice, its not a big deal. If you do it regularly, i would think they might question it.
If you were worried about it though, you could always just deposit into another account (savings, checking, money market, apply to a credit card, another bank). No traffic through your checking account
Mar 15, 2013, 12:07 pm
#7959
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
Mar 15, 2013, 12:09 pm
#7960
Suspended
Join Date: May 2010
Posts: 2,998
This. 4 mortgages in the past 2 years and not a single quesition about my banking activity.
Mar 15, 2013, 12:10 pm
#7961
Join Date: Dec 2009
Location: BOS
Programs: AA, SPG, UA, CSP
Posts: 338
In my experience (3 mortgages so far), they ask for a current bank statement for one account to verify funds and paystubs to verify income. I've never had to give months of back statements or from all my savings/checking/mm accounts.
If you were worried about it though, you could always just deposit into another account (savings, checking, money market, apply to a credit card, another bank). No traffic through your checking account
If you were worried about it though, you could always just deposit into another account (savings, checking, money market, apply to a credit card, another bank). No traffic through your checking account
Personally, i dont like using my father, sister etc for such activities. There are enough ways to manufacture spending. Why ask them to do get in any hassle?
Mar 15, 2013, 12:54 pm
#7962
Join Date: Jul 2010
Posts: 109
I went to dollar general and cashier swipes my amex GC and said won't take amex. Any input? I thought I read people able to buy them
Mar 15, 2013, 12:55 pm
#7963
Join Date: Sep 2012
Location: Florida
Posts: 448
Anyway, this topic somewhat scared me because if refi's/mortgages check bank statements does that mean we shouldn't be doing AP into/out of checking accounts that will be looked at?
I honestly haven't read the entire AP thread (so if this info is there, just tell me and I'll look), but I only use AP very basically (1k out to mom & 1k in from my SO). Both will be refinancing towards the end of this year and I really don't want to have them get screwed because of ~1k per month going into/leaving their checking accounts.
Mar 15, 2013, 1:12 pm
#7964
Suspended
Join Date: May 2010
Posts: 2,998
Geez 4 mortgages in 2 years....you're a busy dude.
Anyway, this topic somewhat scared me because if refi's/mortgages check bank statements does that mean we shouldn't be doing AP into/out of checking accounts that will be looked at?
I honestly haven't read the entire AP thread (so if this info is there, just tell me and I'll look), but I only use AP very basically (1k out to mom & 1k in from my SO). Both will be refinancing towards the end of this year and I really don't want to have them get screwed because of ~1k per month going into/leaving their checking accounts.
Anyway, this topic somewhat scared me because if refi's/mortgages check bank statements does that mean we shouldn't be doing AP into/out of checking accounts that will be looked at?
I honestly haven't read the entire AP thread (so if this info is there, just tell me and I'll look), but I only use AP very basically (1k out to mom & 1k in from my SO). Both will be refinancing towards the end of this year and I really don't want to have them get screwed because of ~1k per month going into/leaving their checking accounts.
I ran significant #'s of $1 coins out of my checking account. WELL over my annual salary, and as said, not a single quesition was raised.
Granted, different lenders do different things, but my CU didn't seem concerned in the least.
Mar 15, 2013, 1:12 pm
#7965
Join Date: Dec 2012
Posts: 114
Geez 4 mortgages in 2 years....you're a busy dude.
Anyway, this topic somewhat scared me because if refi's/mortgages check bank statements does that mean we shouldn't be doing AP into/out of checking accounts that will be looked at?
I honestly haven't read the entire AP thread (so if this info is there, just tell me and I'll look), but I only use AP very basically (1k out to mom & 1k in from my SO). Both will be refinancing towards the end of this year and I really don't want to have them get screwed because of ~1k per month going into/leaving their checking accounts.
Anyway, this topic somewhat scared me because if refi's/mortgages check bank statements does that mean we shouldn't be doing AP into/out of checking accounts that will be looked at?
I honestly haven't read the entire AP thread (so if this info is there, just tell me and I'll look), but I only use AP very basically (1k out to mom & 1k in from my SO). Both will be refinancing towards the end of this year and I really don't want to have them get screwed because of ~1k per month going into/leaving their checking accounts.
If they are refinancing, you should be conscious of the fact that at least one checking accounts will be looked at, so yes, I'd avoid moving AP money through the main account for that month. But that's not just AP, you shouldn't do anything at all really that's not easily explainable, including cash deposits, normal gift money, or anything else odd.