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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, 7:22 pm
  #1516  
 
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
Originally Posted by WhateverDude
No worries. I thought I was wrong once too, but i was mistaken.


BB trials and tribulations.
ricohitman is offline  
Old Jul 15, 2013, 11:36 pm
  #1517  
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Originally Posted by wonderer
Bill pay does send out paper checks if it cannot pay elec. I have paid both my cleaning service and lawn care service with bill pay and paper checks were mailed to them with my name on them. There is a estimate given on when person or business will receive check.

This is apart from the paper checks you send for from bluebird which are free until end of Aug. I will use those paper checks to pay for taxes and Church contributions and who ever I need to hand a paper check to. These checks must be pre-authorized on line first and you receive a code to write on the check and then sign the front in the space provided. Instruction are included in front of every check packet.
So far all of the Bill Pay I do is elec, and I guess with the info you posted, I would just used my BB checks to pay anything that could not be sent elec.
FlightNurse is offline  
Old Jul 15, 2013, 11:38 pm
  #1518  
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Originally Posted by heyeaglefn
BB asks for address for Chase Auto Payments, but not CC payments.
When I set up my Chase CC accounts, I just typed Chase in and it came up with Chase CC (I believe) sent a payment on a monday and posted Wed.
FlightNurse is offline  
Old Jul 16, 2013, 4:10 pm
  #1519  
 
Join Date: May 2013
Posts: 11
Anyone successfully setup BB with BoA Home loan? I cannot get it to take my information (throws a does not match message). Tried both 5 digit and 9 digit zip code and my loan number as acct. number.
roblawrenc is offline  
Old Jul 16, 2013, 4:29 pm
  #1520  
 
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 roblawrenc
Anyone successfully setup BB with BoA Home loan? I cannot get it to take my information (throws a does not match message). Tried both 5 digit and 9 digit zip code and my loan number as acct. number.
I have. ARe you mailing acheck or setting up the e pay? I have paid it for several months. Make sure you have the zip code for the right mailing andress for payments. It's based on the state that you live in.
TheDapperDon is offline  
Old Jul 16, 2013, 4:32 pm
  #1521  
 
Join Date: Oct 2011
Posts: 147
Is BillPay just sitting there spinning without loading for everyone else?
8fingeredflyer is offline  
Old Jul 16, 2013, 4:47 pm
  #1522  
 
Join Date: May 2013
Posts: 11
Originally Posted by TheDapperDon
I have. ARe you mailing acheck or setting up the e pay? I have paid it for several months. Make sure you have the zip code for the right mailing andress for payments. It's based on the state that you live in.
I was trying "pay bills" on the left side. Regarding zip, I tried to get the 9 digit from USPS, is this not the one I should be using? Where can I find the appropriate one?
roblawrenc is offline  
Old Jul 16, 2013, 5:02 pm
  #1523  
 
Join Date: Oct 2011
Posts: 147
my internets crapped on me too, sorry, thus the multi post. mod, feel free to delete.

Last edited by 8fingeredflyer; Jul 16, 2013 at 5:04 pm Reason: oops
8fingeredflyer is offline  
Old Jul 16, 2013, 5:09 pm
  #1524  
 
Join Date: Jul 2013
Posts: 31
It's working fine for me. Probably just your internet connection.

Originally Posted by 8fingeredflyer
Is BillPay just sitting there spinning without loading for everyone else?
dprice121 is offline  
Old Jul 16, 2013, 5:27 pm
  #1525  
 
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 roblawrenc
I was trying "pay bills" on the left side. Regarding zip, I tried to get the 9 digit from USPS, is this not the one I should be using? Where can I find the appropriate one?
Use the ZIP code printed on the coupon you would mail in if you were paying by mail. I certainly hope you aren't using YOUR own ZIP code - that's usually why it doesn't work for BB holders who have posted on FT.
DCBob is offline  
Old Jul 16, 2013, 5:36 pm
  #1526  
 
Join Date: Sep 2001
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Posts: 5,015
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)
Yes, all 7-ELEVEN stores in Washington, DC are classified as GAS STATIONS and none of them sell gas. Now to find even one that stocks VR cards. I have checked three and no luck. I would be surprised if they had more than 20 different types of cards on their very small racks.
DCBob is offline  
Old Jul 16, 2013, 7:17 pm
  #1527  
 
Join Date: Feb 2012
Posts: 731
Bluebird prepaid debit, now with FDIC insurance and paper checks.

I was excited to see VR cards back at my local OD. I happily walked up to the register with 2 VR cards in hand, ready to pay with my Ink Bold card. The cashier scanned the card and asked me how much I wanted to load. I said "$500 each please." Then I saw a bright red box pop up on the cashiers computer screen. It said something to the effect of "this type of gift card must be paid with CASH."

This may be old news to some but I wanted to share my experience.
yOyOYoo is offline  
Old Jul 16, 2013, 11:10 pm
  #1528  
 
Join Date: Nov 2011
Location: ORD
Programs: status free since 2017
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Originally Posted by yOyOYoo
I was excited to see VR cards back at my local OD. I happily walked up to the register with 2 VR cards in hand, ready to pay with my Ink Bold card. The cashier scanned the card and asked me how much I wanted to load. I said "$500 each please." Then I saw a bright red box pop up on the cashiers computer screen. It said something to the effect of "this type of gift card must be paid with CASH."

This may be old news to some but I wanted to share my experience.
I had same experience in Chicagoland 7-11s today. They are quite strict here about this stuff.
carsnoceans is offline  
Old Jul 16, 2013, 11:17 pm
  #1529  
 
Join Date: Jun 2013
Location: VA
Programs: AA EXP, A3 Gold, Marriott Silver, Choice Privileges Gold, National Exec
Posts: 192
Originally Posted by yOyOYoo
I was excited to see VR cards back at my local OD. I happily walked up to the register with 2 VR cards in hand, ready to pay with my Ink Bold card. The cashier scanned the card and asked me how much I wanted to load. I said "$500 each please." Then I saw a bright red box pop up on the cashiers computer screen. It said something to the effect of "this type of gift card must be paid with CASH."

This may be old news to some but I wanted to share my experience.
Yes, they have been cash only at OD for about a week and a half now. This also includes any variable reload cards.
Office Depot will soon be accepting cash only for gift card purchases
Nevafazeme is offline  
Old Jul 17, 2013, 5:37 am
  #1530  
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For all the limits of $xxxx/month, does anyone know if that's per calendar month? If I load/spend the monthly limit on July 31st, can I load/spend more on Aug 1st?
TOMFORD is offline  


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