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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 Jul 15, 2013, 5:13 am
  #1486  
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Question on using BB to pay for Chase CC statements:

I did not order personal checks. Can I use BB's bill payment method to pay off my Chase CC balance? If so, who should the check be made payable to? And how do they know that the payment is from me?

Chase's e-statement shows only where to mail the payments to...
TOMFORD is offline  
Old Jul 15, 2013, 5:32 am
  #1487  
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Originally Posted by agp423
Question on using BB to pay for Chase CC statements:

I did not order personal checks. Can I use BB's bill payment method to pay off my Chase CC balance? If so, who should the check be made payable to? And how do they know that the payment is from me?

Chase's e-statement shows only where to mail the payments to...
No matter which Bill Payment Im using I have never been asked for any address. Just fill in the info for the CC you want them to pay and it will automatically fill in any info it doesnt ask from you.

You have till 8/31 to order the free checks

Last edited by craz; Jul 15, 2013 at 8:53 am
craz is offline  
Old Jul 15, 2013, 5:49 am
  #1488  
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Originally Posted by agp423
Question on using BB to pay for Chase CC statements:

I did not order personal checks. Can I use BB's bill payment method to pay off my Chase CC balance? If so, who should the check be made payable to? And how do they know that the payment is from me?

Chase's e-statement shows only where to mail the payments to...
Bill pay service is elec pay, no checks are sent. When you type in Chase it will find it then ask for your account #, its a vey easy system to use.
FlightNurse is offline  
Old Jul 15, 2013, 6:05 am
  #1489  
 
Join Date: Sep 2001
Location: Washington, DC
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Posts: 5,015
Originally Posted by Fanfoot
All of my 7-11 purchases, whether attached to gas stations or not, are coded 'auto related' just like actual gas stations (Chevron, 76, etc). No trouble buying Vanilla VISA $500 cards here in N. Cal w Bold.
Thanks for the information! ^
DCBob is offline  
Old Jul 15, 2013, 6:44 am
  #1490  
 
Join Date: Aug 2009
Location: Washington DC
Programs: United, AA, Avianca
Posts: 249
Yes but not all "auto related" things get 2x. A car rental is coded similarly but doesn't get 2x. Have you checked to see whether you got 2x on those purchases?
fulthrust7 is offline  
Old Jul 15, 2013, 8:47 am
  #1491  
 
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Posts: 5,561
Originally Posted by fulthrust7
Yes but not all "auto related" things get 2x. A car rental is coded similarly but doesn't get 2x. Have you checked to see whether you got 2x on those purchases?
I have - Chase MP Visa - double miles at a 7-11 without a gas station attached... Just look it up:
http://visa.via.infonow.net/locator/...tLoadAction.do

Make sure to spell it out - 7-eleven (their proper name)
jasonvr is offline  
Old Jul 15, 2013, 8:56 am
  #1492  
 
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Originally Posted by craz
No matter which Bill Payment Im using I have never been asked for any address. Just fill in the info for the CC you want them to pay and it will automatically fill in any info it doesnt ask from you.

You have till 8/31 to order the free checks
BB asks for address for Chase Auto Payments, but not CC payments.
heyeaglefn is offline  
Old Jul 15, 2013, 9:00 am
  #1493  
 
Join Date: Sep 2009
Posts: 91
7-eleven Data Points

I have a few 7-eleven data points for you all. Hopefully it helps some of you:
  • Prior to the last two days, I hadn't used my freedom in several months.
  • On 7/14, I went to a 7-11 (#1) and attempted to purchase two VR's at $500 each. It looked like it would work but then the transaction only allowed 1 of the 2 cards to go through. There is a $1,000 hold on my Freedom but the receipt says $500.
  • I successfully loaded the VR to my BB
  • On 7/14 I went back to the same 7-11 (#1) and tried to get one more VR on a separate transaction but the new cashier would not do it on a Credit Card. He was not happy that I was even asking. He phoned the owner who confirmed cash only.
  • On 7/15, I went to a different 7-11 (#2) and the credit card was denied. Chase thought it was fraud. Once I worked that out, I went back to try again.
  • On 7/15, I went to the 7-11 (#2) and a new cashier was on and was adamant that it would not go through. I asked him to try just to see and my purchase of a $500 VR went through fine.
  • I successfully loaded the VR to my BB

So, it seems like a lot is hit and miss and can depend on the cashier.
JerLon is offline  
Old Jul 15, 2013, 9:08 am
  #1494  
 
Join Date: Jun 2013
Posts: 1,060
Originally Posted by jasonvr
I have - Chase MP Visa - double miles at a 7-11 without a gas station attached... Just look it up:
http://visa.via.infonow.net/locator/...tLoadAction.do

Make sure to spell it out - 7-eleven (their proper name)
Why would the Chase Explorer/Club get double points at a plain 7-11, is there a category bump for that? Or is this the new explorer card with better bonus categories?

Thanks!
raccah is offline  
Old Jul 15, 2013, 9:09 am
  #1495  
 
Join Date: Jun 2012
Location: Shandong/WV
Posts: 158
Originally Posted by JerLon
I have a few 7-eleven data points for you all. Hopefully it helps some of you:
  • Prior to the last two days, I hadn't used my freedom in several months.
  • On 7/14, I went to a 7-11 (#1) and attempted to purchase two VR's at $500 each. It looked like it would work but then the transaction only allowed 1 of the 2 cards to go through. There is a $1,000 hold on my Freedom but the receipt says $500.
  • I successfully loaded the VR to my BB
  • On 7/14 I went back to the same 7-11 (#1) and tried to get one more VR on a separate transaction but the new cashier would not do it on a Credit Card. He was not happy that I was even asking. He phoned the owner who confirmed cash only.
  • On 7/15, I went to a different 7-11 (#2) and the credit card was denied. Chase thought it was fraud. Once I worked that out, I went back to try again.
  • On 7/15, I went to the 7-11 (#2) and a new cashier was on and was adamant that it would not go through. I asked him to try just to see and my purchase of a $500 VR went through fine.
  • I successfully loaded the VR to my BB

So, it seems like a lot is hit and miss and can depend on the cashier.
This matches up with my own experiments. I'm in an area with very few points-and-miles collectors judging by the large numbers of VRs at the local CVS, and my issues all center around cashiers' (lack of) familiarity with the cards. The "let's try and ring it up" approach works best, even when the cashier is initially against the idea. I haven't yet tried to purchase more than one at a time as I've been trying out the different locations.
cfisher6 is offline  
Old Jul 15, 2013, 9:23 am
  #1496  
 
Join Date: Sep 2007
Location: Chicago
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Posts: 927
Originally Posted by raccah
Why would the Chase Explorer/Club get double points at a plain 7-11, is there a category bump for that? Or is this the new explorer card with better bonus categories?

Thanks!
It's the business version.

http://www.united.com/CMS/en-US/Mark...tPartners.aspx
lad2 is offline  
Old Jul 15, 2013, 9:27 am
  #1497  
 
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Originally Posted by JerLon
I have a few 7-eleven data points for you all. Hopefully it helps some of you:
  • Prior to the last two days, I hadn't used my freedom in several months.
  • On 7/14, I went to a 7-11 (#1) and attempted to purchase two VR's at $500 each. It looked like it would work but then the transaction only allowed 1 of the 2 cards to go through. There is a $1,000 hold on my Freedom but the receipt says $500.
  • I successfully loaded the VR to my BB
  • On 7/14 I went back to the same 7-11 (#1) and tried to get one more VR on a separate transaction but the new cashier would not do it on a Credit Card. He was not happy that I was even asking. He phoned the owner who confirmed cash only.
  • On 7/15, I went to a different 7-11 (#2) and the credit card was denied. Chase thought it was fraud. Once I worked that out, I went back to try again.
  • On 7/15, I went to the 7-11 (#2) and a new cashier was on and was adamant that it would not go through. I asked him to try just to see and my purchase of a $500 VR went through fine.
  • I successfully loaded the VR to my BB

So, it seems like a lot is hit and miss and can depend on the cashier.
I've seen a few blogs blast info about the gas station. I'm sure we will have more reports soon. Thanks for sharing this. I wish I had them down here in the Southeast.
TheDapperDon is offline  
Old Jul 15, 2013, 9:32 am
  #1498  
 
Join Date: Jun 2013
Posts: 1,060
Originally Posted by lad2
Thanks - I could not find that without you pointing it out! Also, looks like the 10K bonus after 25K per calendar year. So, if like me you got the card in June and then put 25k on this year and next year (still within the card's 1 year) you get two bonuses (for this and next year)?
raccah is offline  
Old Jul 15, 2013, 9:33 am
  #1499  
 
Join Date: Feb 2005
Location: So Cal
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Posts: 5,561
Originally Posted by raccah
Why would the Chase Explorer/Club get double points at a plain 7-11, is there a category bump for that? Or is this the new explorer card with better bonus categories?

Thanks!
Originally Posted by lad2
Nope - legacy Platinum card which gets 2x for gas
jasonvr is offline  
Old Jul 15, 2013, 9:39 am
  #1500  
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Posts: 24,153
Originally Posted by heyeaglefn
BB asks for address for Chase Auto Payments, but not CC payments.
The poster I was answering asked about paying off their Chase CC bill, nothing about Chase Auto Payments, which I admitt I have no idea about as I wouldnt do it even if I knew about it
craz is offline  


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