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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 28, 2013, 1:04 pm
  #781  
 
Join Date: Apr 2013
Posts: 120
Originally Posted by oohaahouch
go to the non cc store at a different time (cashier), i bet you can milk that one too
will try it out! i actually just found some more at a store very close to work so excited to try it out. but i got a call from my cc issuer asking about my attempt to purchase yesterday from the store that would not allow cc...they said they get a lot of fraud from that chain and one charge had already gone through, so they flagged the second. they apologized for the transaction not going through. i thought it was the store/register that was stopping it. the message was please use another form of payment and i just assumed i should not go further. well, this reminds me to be reasonable and quells my excitement a little.
phantasmic is offline  
Old May 28, 2013, 1:40 pm
  #782  
 
Join Date: May 2013
Location: AZ
Programs: AA, UA, US
Posts: 525
Originally Posted by phantasmic
will try it out! i actually just found some more at a store very close to work so excited to try it out. but i got a call from my cc issuer asking about my attempt to purchase yesterday from the store that would not allow cc...they said they get a lot of fraud from that chain and one charge had already gone through, so they flagged the second. they apologized for the transaction not going through. i thought it was the store/register that was stopping it. the message was please use another form of payment and i just assumed i should not go further. well, this reminds me to be reasonable and quells my excitement a little.
Hopefully they will not bother you again and your excitement will continue ^
oohaahouch is offline  
Old May 28, 2013, 2:20 pm
  #783  
 
Join Date: Jan 2012
Posts: 22
Can I fund BB through my Chase Ink Bold credit card and receive the accreditation towards my 50,000 mile target when I spend $5000? Please advise.
samhfoley is offline  
Old May 28, 2013, 3:04 pm
  #784  
 
Join Date: Sep 2012
Location: IAD/DCA
Programs: Bunch of mid-tiers
Posts: 1,034
Originally Posted by samhfoley
Can I fund BB through my Chase Ink Bold credit card and receive the accreditation towards my 50,000 mile target when I spend $5000? Please advise.
No, BB can not be funded with a credit card. See their website for a list of funding sources.
ctbarron is offline  
Old May 28, 2013, 4:19 pm
  #785  
 
Join Date: May 2013
Posts: 939
This just hit the inbox...
I wonder what's next????


Important Change to Your Bluebird Account


Hello KYBOSH,

We are writing to inform you that we are making a change to your Bluebird Account for added security.

The Bluebird Member Agreement has been modified to reflect an update to the amount of funds that can be added to your Bluebird Account from a linked checking or savings account. Effective immediately, the limit for this type of transaction has been reduced from $10,000.00 to $2,000.00 total per month.

You can review this update in the Bluebird Member Agreement by clicking here.

Thank you for your membership,
Bluebird Team
KYBOSH is offline  
Old May 28, 2013, 4:22 pm
  #786  
 
Join Date: Jan 2013
Location: USA
Posts: 78
Just received that notice just now as well, and I have never once added funds to my Bluebird from my linked checking account.
Ultraboost is offline  
Old May 28, 2013, 4:25 pm
  #787  
 
Join Date: May 2013
Posts: 4
+1. Got the email 9 mins ago.
ungar2000 is offline  
Old May 28, 2013, 4:27 pm
  #788  
 
Join Date: Apr 2012
Location: BRU
Programs: Amex Centurion
Posts: 69
Originally Posted by KYBOSH
This just hit the inbox...
I wonder what's next????
I received this as well. Thank goodness they're looking out for us with "added security" on linked checking acct transfers. I would be furious if someone linked their checking account to my BB and transferred $$2.001k - $10k in a blatantly fraudulent transfer of funds!
oceandreamer is offline  
Old May 28, 2013, 4:36 pm
  #789  
 
Join Date: Jun 2012
Location: SFO
Programs: UA Plat, Hyatt Globalist
Posts: 49
Also got the email. I wonder what activity (read higher than anticipated costs) prompted this change. Looks like you can still transfer up to $10k back to a bank account from BB.
acswank is offline  
Old May 28, 2013, 4:40 pm
  #790  
 
Join Date: Feb 2013
Posts: 1,818
Originally Posted by KYBOSH
This just hit the inbox...
I wonder what's next????
Whatever comes next (near or far future) will probably be reductions as well.
SuperKirby is offline  
Old May 28, 2013, 4:48 pm
  #791  
 
Join Date: Feb 2010
Location: ORD
Programs: US Air, UA BA LH AI DELTA MARRIOTT CHOICE SGP
Posts: 9,883
Got the same email KYBOSH reported upstream.

Thought I was singled out. Have not linked bank accounts to anything. Never know who or when some hacker will strike !
HMPS is offline  
Old May 28, 2013, 5:09 pm
  #792  
 
Join Date: Feb 2013
Posts: 1,818
Originally Posted by HMPS
Got the same email KYBOSH reported upstream.

Thought I was singled out. Have not linked bank accounts to anything. Never know who or when some hacker will strike !
No worries. It was updated in their T&C's so no one was singled out. https://www.bluebird.com/docs/bluebi...1&om_lid=naxp2
SuperKirby is offline  
Old May 28, 2013, 5:29 pm
  #793  
 
Join Date: Jan 2010
Programs: AA EXP/LT PLT
Posts: 1,467
I and my wife got the same email.
We haven't even linked our checking accounts to BB.
I guess everyone got the same email.
supergrandslam is offline  
Old May 28, 2013, 7:04 pm
  #794  
 
Join Date: May 2013
Posts: 939
I actually font understand change... Or shall i say i dont see how this would relate to us manufacturers. Why would anyone want to pump $$$ into the BB account?

I can only think of nefarious motifs for that... Someone who has gained your bank username/password linking your account to an ill gotten BB account and draining said checking account. As long as ey have your credentials linking the acct is pretty convienent.
KYBOSH is offline  
Old May 28, 2013, 7:08 pm
  #795  
 
Join Date: Feb 2013
Posts: 1,818
Originally Posted by KYBOSH
I actually font understand change... Or shall i say i dont see how this would relate to us manufacturers. Why would anyone want to pump $$$ into the BB account?

I can only think of nefarious motifs for that... Someone who has gained your bank username/password linking your account to an ill gotten BB account and draining said checking account. As long as ey have your credentials linking the acct is pretty convienent.
Yeah it is quite odd as far as the reduction. I would imagine they'd reduce the VRs or GC's limit instead.

What I do know is that a lot of people are linking their Amazon payments and Google wallet accounts to BB and sending loads of $$ there. Maybe thats why?
SuperKirby is offline  


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