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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 Apr 15, 2013, 4:28 am
  #331  
 
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 phdtomd
No problem here. I just preauthorized a check 20 min ago. I am using mozilla
It doesn't matter which browser you use - it DOES matter where you are located.
DCBob is offline  
Old Apr 15, 2013, 5:42 am
  #332  
FlyerTalk Evangelist
 
Join Date: Mar 2000
Posts: 17,448
Originally Posted by DCBob
It doesn't matter which browser you use - it DOES matter where you are located.
Finally, Bill pay is working again for me (Monday morning EDT). I'm in the Mid-Atlantic.
iahphx is offline  
Old Apr 15, 2013, 5:59 am
  #333  
 
Join Date: Jan 2010
Programs: AA EXP/LT PLT
Posts: 1,467
Originally Posted by iahphx
Finally, Bill pay is working again for me (Monday morning EDT). I'm in the Mid-Atlantic.
Not yet for me.
supergrandslam is offline  
Old Apr 15, 2013, 7:31 am
  #334  
 
Join Date: Apr 2013
Programs: UA MPE, BA Blue, AA, IHG Plat Amb, Marriot Silver, HHonors Silver, National Exec, Avis First
Posts: 553
Originally Posted by DCBob
It IS tomorrow now and still the same issue - NO MATTER WHICH BROWSER I use (Firefox, Chrome, or IE). I ended up using the Android mobile app for BB and that worked just fine. This is obviously a server issue, which is why it affects only part of the country.
Try again? It works for me now. ^
Bender464 is offline  
Old Apr 15, 2013, 7:56 am
  #335  
 
Join Date: Jan 2010
Programs: AA EXP/LT PLT
Posts: 1,467
Finally it works for me now.
supergrandslam is offline  
Old Apr 15, 2013, 8:11 am
  #336  
 
Join Date: May 2000
Location: I see palm trees....
Posts: 414
Originally Posted by Bean
I just experimented with two local ATMs that were identified on the MoneyPass website.
Took $300 out at the first but was charged $2 by both the ATM and BB.
The second ATM I tried, about 30 mins. later, would not even accept the transaction...it told me "Transaction not available at this time. Please try again later."

I did not have direct deposit set up with BB, as I heard reports from some people about not having it and still getting free ATM withdrawls.

What is the trick for finding the fee-free ATMs?
Went back to the ATM that did not work last week and tried it again this morning.

I attempted $500 and it was telling me my pin was invalid.

Guess I'll just have to give up on this ATM and look for others.

Last edited by Bean; Apr 15, 2013 at 8:22 am
Bean is offline  
Old Apr 15, 2013, 10:04 am
  #337  
 
Join Date: Feb 2012
Location: MSP
Posts: 376
How long does it take to receive the card after you register online? I've been waiting for almost two weeks now..
guoguo914 is offline  
Old Apr 15, 2013, 10:33 am
  #338  
 
Join Date: Aug 2003
Location: Chicago
Programs: AA UA Delta. HH Diamond, PC Platinum, Club Carlson Gold, Hyatt Diamond
Posts: 809
Still not working, Midwest here!
milemission is offline  
Old Apr 15, 2013, 12:46 pm
  #339  
 
Join Date: Nov 2012
Location: NE
Programs: UA PLAT, HH Gold, Marriott Gold
Posts: 211
Originally Posted by jatink129
And with the magnitude of checks they'd be receiving everyday, you think they'd have the manpower to manually follow-up on each check to see who it was made out to?
I don't think so.
If you have written any checks, go to your account, click on "view check". Like I said...
ThereYaGo is offline  
Old Apr 15, 2013, 3:10 pm
  #340  
 
Join Date: Jan 2010
Location: DCA/RIC
Programs: HH LTD, AA LTG
Posts: 1,015
Well now this is starting to get a "lil" old for me - going on over 24 hours of getting this:

"Bluebird.com is currently offline for maintenance.

We apologize for this inconvenience. We expect to be back in a couple of hours. Thanks for your patience."

This after ~3 minutes of spinning wheel of death when trying to use bill pay.

Last edited by isle-hawg; Apr 15, 2013 at 3:19 pm
isle-hawg is offline  
Old Apr 15, 2013, 3:24 pm
  #341  
 
Join Date: May 2000
Location: I see palm trees....
Posts: 414
I've read that the per person limit on the regular AMEX prepaid cards is three.
Does the bird count as one of those three as far as the limit goes?

I have BB and two of the Target AMEX cards on the way...would I still be able to obtain the regular AMEX prepaids, or am I at my 3 card limit now?
Bean is offline  
Old Apr 15, 2013, 3:27 pm
  #342  
 
Join Date: Apr 2012
Location: MKE
Programs: Hyatt Diamond, SPG Plat, Hilton Gold, Club Carlson Gold,
Posts: 639
Originally Posted by DCBob
It doesn't matter which browser you use - it DOES matter where you are located.
I live in the midwest
phdtomd is offline  
Old Apr 15, 2013, 3:44 pm
  #343  
Formerly known as god_forbids
 
Join Date: Oct 2009
Programs: DL Kettle
Posts: 167
Exclamation Missing BB checks!

My wife and I ordered a 100 pack of checks each on Mar 28. Like others, we got e-mails with NO tracking numbers but there was never a second e-mail that included the number. As 12 business days have now passed since ordering and the checks aren't here, I called BB to inquire about it.

The rep could see the e-mails that were sent out including the lack of tracking numbers and offered to send us each another box. That's fine by me and the checks are worthless without pre-authorization so I'm not too worried about fraudulent use (assuming the checks ever actually shipped!).

Anyway I asked if this was common and was told it was her first time hearing of it. Now she's got me on hold waiting for an account specialist so we can report the discrepancy. All I want is a tracking number or replacement! This phone call is up to half an hour already
daringtofly is offline  
Old Apr 15, 2013, 3:48 pm
  #344  
 
Join Date: Sep 2012
Location: IAD/DCA
Programs: Bunch of mid-tiers
Posts: 1,034
Originally Posted by isle-hawg
Perhaps they lured away the HHonors webmasters to run this site?
LOL. If you have to log in six times from now on, we'll know...
ctbarron is offline  
Old Apr 15, 2013, 3:54 pm
  #345  
 
Join Date: Jan 2012
Location: Southern California
Programs: UA Platinum, Marriott Gold, SPG Gold, Club Carlson Gold
Posts: 317
Originally Posted by god_forbids
My wife and I ordered a 100 pack of checks each on Mar 28. Like others, we got e-mails with NO tracking numbers but there was never a second e-mail that included the number. As 12 business days have now passed since ordering and the checks aren't here, I called BB to inquire about it.

The rep could see the e-mails that were sent out including the lack of tracking numbers and offered to send us each another box. That's fine by me and the checks are worthless without pre-authorization so I'm not too worried about fraudulent use (assuming the checks ever actually shipped!).

Anyway I asked if this was common and was told it was her first time hearing of it. Now she's got me on hold waiting for an account specialist so we can report the discrepancy. All I want is a tracking number or replacement! This phone call is up to half an hour already
I never got an email with a tracking number, just the notice that I had ordered them. It took a while, but they arrived just fine.
groobie is offline  


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