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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 May 24, 2013, 3:42 pm
  #736  
 
Join Date: Mar 2012
Location: SAN
Posts: 1,396
Originally Posted by arsenalman
My wife and i have an account each with BB. I am easily hitting the 10 K mark between us. What are people doing once they want to go over that? Was thinking asking my bro if he wanted to open an account and filter through that. Any thoughts/ideas?
Originally Posted by DCBob
Most people think that's plenty of manufactured spending. Getting your relatives involved is asking for trouble. Some may violently disagree, but greed is not such a good thing.
And if you need to increase manufactured spend beyond 10k / month, try using some other methods . . .
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Old May 24, 2013, 3:43 pm
  #737  
 
Join Date: Sep 2001
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Originally Posted by yOyOYoo
Are you sure the VR cards weren't just hidden? I've been to a few CVS where some DB decided to hide all the VR cards.
And sometimes CVS hides them behind the front counter. If you go to the same CVS every week, you get to know the staff and, if you're polite and friendly, sometimes they will help you out.
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Old May 24, 2013, 3:50 pm
  #738  
 
Join Date: Oct 2004
Programs: DL Gold
Posts: 880
Originally Posted by yOyOYoo
Are you sure the VR cards weren't just hidden? I've been to a few CVS where some DB decided to hide all the VR cards.
I certainly thought they might be so I poked around a bit, didn't see any. I didn't have all day though so who knows.

Originally Posted by DCBob
And sometimes CVS hides them behind the front counter. If you go to the same CVS every week, you get to know the staff and, if you're polite and friendly, sometimes they will help you out.
I don't expect to visit this one too regularly, as I only manufacture for bonuses -- and not speculative "buying" of points -- but I find that if you're polite and friendly in general, buying with a CC goes quite smoothly.
hotelmotel is offline  
Old May 25, 2013, 8:57 am
  #739  
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Join Date: Feb 2005
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Originally Posted by arsenalman
My wife and i have an account each with BB. I am easily hitting the 10 K mark between us. What are people doing once they want to go over that? Was thinking asking my bro if he wanted to open an account and filter through that. Any thoughts/ideas?
I got my parents a BB card as well as my Sister, so I have 4, my partner has done the same thing. So we have a total of 8, I just found 4 more stores that sell Visa gift cards that take CC which has really helped, one of the bloggers told me to be a detective when I'm out shopping which I have and keep finding stores that sell these gift cards.
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Old May 25, 2013, 9:00 am
  #740  
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Originally Posted by DCBob
Most people think that's plenty of manufactured spending. Getting your relatives involved is asking for trouble. Some may violently disagree, but greed is not such a good thing.
My sister at first didn't want to do it, that was until I showed her some of the travel reports from this site, same with my partner. My parents didn't care, next year we are talking the people who are helping us on a nice family vacation to Europe for 2 weeks.
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Old May 25, 2013, 9:18 am
  #741  
 
Join Date: Sep 2012
Posts: 212
Originally Posted by yOyOYoo
Are you sure the VR cards weren't just hidden? I've been to a few CVS where some DB decided to hide all the VR cards.
I found the hiding place at a CVS in DC. Each day there were just a couple fewer. The spot was just under the gift card rack. Any other fav hiding spots that others have found?
Jetsfan is offline  
Old May 25, 2013, 10:40 am
  #742  
 
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
Bluebird not accepting VR today - system down?

I picked up a VR like usual, get an error code 93 -

We have NOT reloaded your card. The description of the error can be found below. Please print this screen for your records and contact Customer Service at: 1-877-429-8141

An error has occurred during this transaction. Please try again or contact a service representative for assistance. (93)

InComm CSR says the transaction is timing out on BB's end, and that AMEX system is down for the next few hours. No big deal if it is just a few hours, but has anyone else had problems today?
KennyBSAT is offline  
Old May 25, 2013, 11:24 am
  #743  
 
Join Date: Jan 2010
Posts: 1,708
Originally Posted by KennyBSAT
I picked up a VR like usual, get an error code 93 -

We have NOT reloaded your card. The description of the error can be found below. Please print this screen for your records and contact Customer Service at: 1-877-429-8141

An error has occurred during this transaction. Please try again or contact a service representative for assistance. (93)

InComm CSR says the transaction is timing out on BB's end, and that AMEX system is down for the next few hours. No big deal if it is just a few hours, but has anyone else had problems today?
Lot's of people. There is a thread started about it. This is not unusual, happens from time to time. Try again later.
ddallas is offline  
Old May 25, 2013, 11:30 am
  #744  
 
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
Originally Posted by ddallas
Lot's of people. There is a thread started about it. This is not unusual, happens from time to time. Try again later.
Thanks, apparently the same time last month. Saw the thread after I posted.
KennyBSAT is offline  
Old May 25, 2013, 11:44 am
  #745  
 
Join Date: Jan 2010
Posts: 1,708
Originally Posted by Jetsfan
I found the hiding place at a CVS in DC. Each day there were just a couple fewer. The spot was just under the gift card rack. Any other fav hiding spots that others have found?
I found some hidden behind the shelf product (I think it was shampoo) on the shelf next to the giftcard rack. The stores should put VR cards behind the counter, the stores that do typically have some in stock. The shortage is created by people hiding the cards in the store or taking them home and building a stash at home.
ddallas is offline  
Old May 25, 2013, 11:52 am
  #746  
 
Join Date: May 2013
Location: SF, CA
Posts: 63
I just got my checks in the mail yesterday in a big package!
jeremylives is offline  
Old May 25, 2013, 3:04 pm
  #747  
 
Join Date: Feb 2013
Posts: 1,818
Originally Posted by jeremylives
I just got my checks in the mail yesterday in a big package!
They threw my package in front of my door. Thought it would've been in my mailbox (much safer). I was gone for weeks and who knew where my packages could've been with the weather, especially my home here in Oklahoma! FWIW, I live in a complex, usually FedEx and UPS packages are delivered to my Box.
SuperKirby is offline  
Old May 25, 2013, 3:07 pm
  #748  
 
Join Date: Feb 2013
Posts: 1,818
Originally Posted by ddallas
I found some hidden behind the shelf product (I think it was shampoo) on the shelf next to the giftcard rack. The stores should put VR cards behind the counter, the stores that do typically have some in stock. The shortage is created by people hiding the cards in the store or taking them home and building a stash at home.
A lot of the CVS's I go to in OKC now have them hanging next to the cash register. No more racks. A lot of people are ruining this for us.
SuperKirby is offline  
Old May 25, 2013, 7:13 pm
  #749  
 
Join Date: Aug 2001
Location: SFO
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Safeway Policy Changing?

Today I revisited my closest Safeway in the SF Bay Area to buy Visa Prepaid cards ($5.95 for up to $500 in value). Unlike the previous visit two weeks ago, I was told I'd need to pay cash or use a debit card. Is this a systemwide Safeway change, or a one-off?
Explore is offline  
Old May 25, 2013, 8:27 pm
  #750  
 
Join Date: Feb 2005
Location: So Cal
Programs: UA Gold/0.744MM, WN AL, Hyatt Diamond, MR Scum, Hertz PC, National Exec, Avis PC
Posts: 5,561
Originally Posted by Explore
Today I revisited my closest Safeway in the SF Bay Area to buy Visa Prepaid cards ($5.95 for up to $500 in value). Unlike the previous visit two weeks ago, I was told I'd need to pay cash or use a debit card. Is this a systemwide Safeway change, or a one-off?
Sounds like a store policy change (or rogue checker). I purchased multiple Amex GC's today at 3 different local Von's (Safeway affiliate in SoCal) on CC with no problem.
jasonvr is offline  


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