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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 30, 2013, 8:29 pm
  #496  
Formerly known as god_forbids
 
Join Date: Oct 2009
Programs: DL Kettle
Posts: 167
Originally Posted by DCBob
They do NOT come in a BOX. So hope you aren't looking for a box. They come glued (with rubber cement) to a flat folder in four groups of 25 checks. The folder is enclosed in plastic inside an opaque white plastic bag with no indication they are from Bluebird - you might think it's junk mail until you open it.
Yes, we eventually got them (as described). Second set have yet to arrive but we are happily writing checks so all is well.
daringtofly is offline  
Old Apr 30, 2013, 11:20 pm
  #497  
 
Join Date: Aug 2001
Location: SFO
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Posts: 4,777
Walmart Deposit Issues

This may have been posted upthread, but if the deposit machine at Walmart is broken, as it frequently is, and Walmart customer service says they can't manually deposit "gift cards" (even though I told them these are debit cards), what do you do?
Explore is offline  
Old May 1, 2013, 1:18 am
  #498  
 
Join Date: Dec 2003
Location: CA
Programs: BA, AA, United
Posts: 429
What do you mean by deposit?

Are are talking about loading the Bluebird card? If you are loading the BB card, just walk up to customer service and tell them you want to load $x to my card. Usually they don't even ask me if I am loading by debit or whatever and once there swipe the BB and put in the load amount, I just confirm the amount on the swipe machine and begin swiping. If I am loading from many cards (I have only tried upto 3 in one go), I tell them how much to load on each cards and it works great.


Originally Posted by Explore
This may have been posted upthread, but if the deposit machine at Walmart is broken, as it frequently is, and Walmart customer service says they can't manually deposit "gift cards" (even though I told them these are debit cards), what do you do?
rambo is offline  
Old May 1, 2013, 8:06 am
  #499  
 
Join Date: Feb 2012
Posts: 994
Transferring $4,000 of BB into checking account?

Has anyone ever transferred a high amount from bluebird to their checking account?
webazoid is offline  
Old May 1, 2013, 8:18 am
  #500  
 
Join Date: Sep 2012
Location: IAD/DCA
Programs: Bunch of mid-tiers
Posts: 1,034
I've done $1k with no issues, but that's the most.
ctbarron is offline  
Old May 1, 2013, 8:35 am
  #501  
 
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 Explore
This may have been posted upthread, but if the deposit machine at Walmart is broken, as it frequently is, and Walmart customer service says they can't manually deposit "gift cards" (even though I told them these are debit cards), what do you do?
Change your wording from "deposit" to load.
Bender464 is offline  
Old May 1, 2013, 8:44 am
  #502  
 
Join Date: Apr 2013
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Posts: 553
Not directly, but 2K.
Bender464 is offline  
Old May 1, 2013, 9:20 am
  #503  
 
Join Date: Dec 2009
Location: DCA
Posts: 814
Originally Posted by Explore
This may have been posted upthread, but if the deposit machine at Walmart is broken, as it frequently is, and Walmart customer service says they can't manually deposit "gift cards" (even though I told them these are debit cards), what do you do?
Go to a register. Tell them you want to reload your bb card. Hand them your bb card. Tell them you are using a debit card when asked. Never let the gc out of your hand. You swipe it. Never refer to it as a gc.
Montacute is offline  
Old May 1, 2013, 9:21 am
  #504  
 
Join Date: Mar 2013
Location: Down South, The Desert
Programs: Marriot Rewards, Southwest Rapid rewards, Emerald Club, Avis Preferred
Posts: 1,871
Are any of you using snail mail to send in checks for bills through bluebird? Is the authorization code necessary for these checks to go through? I've seen some limited discussion, but I want to clarify.
TheDapperDon is offline  
Old May 1, 2013, 9:48 am
  #505  
Suspended
 
Join Date: May 2010
Posts: 2,998
Originally Posted by TheDapperDon
Are any of you using snail mail to send in checks for bills through bluebird? Is the authorization code necessary for these checks to go through? I've seen some limited discussion, but I want to clarify.
Per the T&C is it: Bluebird Checks that have not been pre-authorized will not be honored by us, regardless of whether there are sufficient Available Funds in your Bluebird Account to cover the amount of the Bluebird Check.

Why take a chance?
Stoughton is offline  
Old May 1, 2013, 9:53 am
  #506  
 
Join Date: Aug 2004
Location: MGM
Programs: United Silver, PC Plat/Amb, HH Dmnd
Posts: 805
Originally Posted by Bean
They also ask for SSN.
How long did it take Fay-Ray and Pixie to get their SSN cards?
When Suntrust did their first big debit card promo, regs didn't require SSN for debit cards. My dog had one as well.

Andyandy
andyandy is offline  
Old May 1, 2013, 10:25 am
  #507  
 
Join Date: Feb 2013
Posts: 801
Originally Posted by TheDapperDon
Are any of you using snail mail to send in checks for bills through bluebird? Is the authorization code necessary for these checks to go through? I've seen some limited discussion, but I want to clarify.
Are you referring to the paper checks that BB can send directly to a biller that is not already listed in their electronic billpay system? If so, no authorization necessary for those.
WhateverDude is offline  
Old May 1, 2013, 10:28 am
  #508  
 
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 TheDapperDon
Are any of you using snail mail to send in checks for bills through bluebird? Is the authorization code necessary for these checks to go through? I've seen some limited discussion, but I want to clarify.
Yes, it is.
Bender464 is offline  
Old May 1, 2013, 10:29 am
  #509  
 
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 Montacute
Go to a register. Tell them you want to reload your bb card. Hand them your bb card. Tell them you are using a debit card when asked. Never let the gc out of your hand. You swipe it. Never refer to it as a gc.
Exactly! ^
Bender464 is offline  
Old May 1, 2013, 12:09 pm
  #510  
 
Join Date: Aug 2001
Location: SFO
Programs: AC SE, AA EXP MM, UA Gold MM, Hyatt Glob, Marriott Titanium, HH Dia, IHG Plat
Posts: 4,777
Originally Posted by Montacute
Go to a register. Tell them you want to reload your bb card. Hand them your bb card. Tell them you are using a debit card when asked. Never let the gc out of your hand. You swipe it. Never refer to it as a gc.
So, don't go to Customer Service but instead go to an ordinary register?

CS at Walmart yesterday refused to recognize the subject cards as debit cards (they used the term "gift cards") and told me I had to load them at the machine. I told them to inspect the machine. Luckily by that time the previous user's stray entry had cleared and I could use the machine to load, but it seems I would have had a problem if it was still malfunctioning.
Explore is offline  


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