Apr 3, 2013, 11:44 am
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:
*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
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:
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.
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.
Bluebird prepaid debit, now with FDIC insurance and paper checks (2013-2014)
Oct 18, 2013, 9:43 am
#2941
Join Date: Jan 2005
Posts: 154
Bill Pay issues data point: For the last week or two, I've been having trouble getting BlueBird to let me use "Pay Bill" for sums of any significance. So I'm having to chip away at each bill in very measly small payments. Extremely frustrating!
Error message is "Attention payment cannot be done."
Error message is "Attention payment cannot be done."
Oct 18, 2013, 9:52 am
#2942
Join Date: Aug 2001
Location: SFO
Programs: AC SE, AA EXP MM, UA Gold MM, Hyatt Glob, Marriott Titanium, HH Dia, IHG Plat
Posts: 4,778
(1) Last night, loaded 7 cards at WM without any problem
(2) No problem with major bill pay sums a couple of days ago
(2) No problem with major bill pay sums a couple of days ago
Oct 18, 2013, 10:35 am
#2943
Join Date: Apr 2012
Posts: 331
Linking your debit card is not that same as swiping VGCs at Walmart from what I understand; otherwise, why would they say you can only link one instead of four? There must have been some rule before that says you can link a max of four debit cards, which means that swiping more than four cards at Walmart to load money is not considered linking debit cards.
Over time, various issues have cropped up here and there preventing some from loading. In every case thus far it's been temporary user or system error, not a systemic shut down. Certainly we all hope that continues to be the case, but from the email above it seems very clear that this has nothing to do with loading BB via debit cards in a physical WMT.
Oct 18, 2013, 12:30 pm
#2944
FlyerTalk Evangelist
Join Date: Aug 2011
Location: Austin, Texas
Programs: Airline nobody. Sad!
Posts: 26,062
I agree my sample size is small but it was at two different Walmarts over three days. I even changed the pin which is a common problem. Then I get the e-mail this morning.
I read carefully and had not seen success the past two days other than the person who posted after me. I hope you are right but again I am seeing multiple reports of this not working and it happened to me someone who has loaded 15,000 k over the past 5 months with no problem. My only interest here is to post accurate info so maybe I should not have begun with "I think." But the rest of my post is factual. The two Walmarts I use (one in Dallas one in Cedar Hill, TX) are some 30 miles apart from each other... I'd love to hear more about successes, not just loading but using a VS giftcard...
I read carefully and had not seen success the past two days other than the person who posted after me. I hope you are right but again I am seeing multiple reports of this not working and it happened to me someone who has loaded 15,000 k over the past 5 months with no problem. My only interest here is to post accurate info so maybe I should not have begun with "I think." But the rest of my post is factual. The two Walmarts I use (one in Dallas one in Cedar Hill, TX) are some 30 miles apart from each other... I'd love to hear more about successes, not just loading but using a VS giftcard...
Oct 18, 2013, 2:27 pm
#2945
Join Date: Apr 2010
Location: SNA
Programs: United, Hilton, National
Posts: 128
To make sure the ACH would not be reversed as mistakes can sometimes happen, or fraudulent transfer can happen but get caught shortly after. So the transfer is reversed. Banks dont want you to access the fund before the fund is deemed truly received after this time lapse.
It is a standard practice for almost all banks - if the ACH is initiated from the receiving bank's end, the incoming fund is subject to 5 business days hold. Capital One does that and the hold is even longer for new account.
All brokerage houses, put the same 5 business days hold on money transferred in initiated from the brokerage's end.
If the ACH in is initiated from the sending bank, the receiving bank would make the fund available immediately.
A transfer out from BB to your linked bank account would become immediately available the day ACH is received.
Fed fund wire is available immediately and it is also cost you a typical $25 wire out (send) and $15 wire in (receive) unless your bank account is a premier account.
It is a standard practice for almost all banks - if the ACH is initiated from the receiving bank's end, the incoming fund is subject to 5 business days hold. Capital One does that and the hold is even longer for new account.
All brokerage houses, put the same 5 business days hold on money transferred in initiated from the brokerage's end.
If the ACH in is initiated from the sending bank, the receiving bank would make the fund available immediately.
A transfer out from BB to your linked bank account would become immediately available the day ACH is received.
Fed fund wire is available immediately and it is also cost you a typical $25 wire out (send) and $15 wire in (receive) unless your bank account is a premier account.
http://www.npr.org/blogs/money/2013/...of-our-economy
Oct 18, 2013, 2:32 pm
#2946
Join Date: Apr 2010
Location: SNA
Programs: United, Hilton, National
Posts: 128
From the Bluebird FAQ:
You can link your Debit Card to your Bluebird Account so that you can add funds online or through your Bluebird Mobile App.
Oct 18, 2013, 6:23 pm
#2947
Join Date: Jan 2010
Programs: AA BAEC FL WN US SPG Marriott Hyatt UR
Posts: 145
I was unable to load a new payee even though it showed up on their search results. Kept receiving error message regarding wrong zip code (I never entered a zip code nor was one present) or account number (nope, not wrong). Contacted BB. CSR tried to help but to no avail. 
Oct 18, 2013, 6:37 pm
#2948
Join Date: Sep 2013
Location: SFO/DTW
Programs: DL PM 0.5MM, Hyatt Globalist, HHonors Gold, SPG Plat, Marriott Gold, Avis PC, National EE, Hertz PC
Posts: 1,988
FWIW - Bill Pay
Yesterday, I did 2x 2000 in payments via bill pay. No issues
Yesterday, I did 2x 2000 in payments via bill pay. No issues
Oct 18, 2013, 9:55 pm
#2949
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,774
This has happened on US Bank's Club Carlson cards for the longest time at the early days of BB.
Several months later somehow BB/US Bank finally were in sync on the Club Carlson cards account number ID. (Each credit product has an ID among that 16 digits to indicate who is the issuing bank and which card it is, on top of the distinction of being a Visa, MC or AMEX or Discover. Those are not random numbers they have meanings. The random number is the last 4 digits.)
If you must use BB to pay this particular payee, use the manual set up, using the address from the payee's payment slip to set it up. Some folks were able to successfully pay US Bank Club Carson cards this way before it is finally recognized by BB.
Last edited by Happy; Oct 19, 2013 at 1:44 pm
Oct 19, 2013, 1:42 am
#2950
Join Date: Feb 2011
Posts: 751
Noob Question
Should i use the same address that i also use for my Amex credit cards? Don't want my rise, repeat to effect my relationship with Amex.
However, if i don't use my home and instead use my office, should i make sure that it appear son my credit report so that, assuming that they soft pull, my application won't be declined?
Lastly, does my BB address need to be the same as my banking address to link my accounts?
Thanks!
(btw, i tried searching, and there was nothing about Qs 1 and 3 at all)
However, if i don't use my home and instead use my office, should i make sure that it appear son my credit report so that, assuming that they soft pull, my application won't be declined?
Lastly, does my BB address need to be the same as my banking address to link my accounts?
Thanks!
(btw, i tried searching, and there was nothing about Qs 1 and 3 at all)
Oct 19, 2013, 6:47 am
#2951
Join Date: Jan 2010
Programs: AA BAEC FL WN US SPG Marriott Hyatt UR
Posts: 145
The payee has not data input issue at BB end.
This has happened on US Bank's Club Carlson cards for the longest time at the early days of BB.
Several months later somehow BB/US Bank finally were in sync on the Club Carlson cards account number ID. (Each credit product has an ID among that 16 digits to indicate who is the issuing bank and which card it is, on top of the distinction of being a Visa, MC or AMEX or Discover. Those are not random numbers they have meanings. The random number is the last 4 digits.
If you must use BB to pay this particular payee, use the manual set up, using the address from the payee's payment slip to set it up. Some folks were able to successfully pay US Bank Club Carson cards this way before it is finally recognized by BB.
This has happened on US Bank's Club Carlson cards for the longest time at the early days of BB.
Several months later somehow BB/US Bank finally were in sync on the Club Carlson cards account number ID. (Each credit product has an ID among that 16 digits to indicate who is the issuing bank and which card it is, on top of the distinction of being a Visa, MC or AMEX or Discover. Those are not random numbers they have meanings. The random number is the last 4 digits.
If you must use BB to pay this particular payee, use the manual set up, using the address from the payee's payment slip to set it up. Some folks were able to successfully pay US Bank Club Carson cards this way before it is finally recognized by BB.
Last edited by mfinn; Oct 19, 2013 at 11:43 am Reason: to clarify the physical address
Oct 19, 2013, 8:57 am
#2952
Join Date: Sep 2013
Location: SNA/LAX
Posts: 1,407
Lastly, does my BB address need to be the same as my banking address to link my accounts?
Oct 19, 2013, 1:41 pm
#2954
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,774
The address from the payment slip contains a P.O. Box. BB would not load the payee manually when using the P.O. Box. I found a physical mailing address for payments on the payee's website and entered it manually. BB then accepted the payee. Keeping my fingers crossed that it works. Will verify payment received in a few days. Thanks Happy!
For the US Club Carlson cards, people used the manual add found out the payments still went out in electronic check, i.e. ACH. So yours may too since the payee is indeed in the data base just something screwed up that prevents BB to recognize it with your account number. Hopefully that would also be your case.
Oct 19, 2013, 7:39 pm
#2955
Join Date: Jul 2010
Posts: 109
Two questions, please reply:
- Use AP without repercusions?
- pay someone's else credit card with different address? Are they able to track & match address on a bill pay cc?
- Use AP without repercusions?
- pay someone's else credit card with different address? Are they able to track & match address on a bill pay cc?