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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 31, 2013, 11:08 pm
  #841  
 
Join Date: Jan 2010
Programs: AA EXP/LT PLT
Posts: 1,467
Originally Posted by czhouchem
have anybody used their mail the check service? long time ago I remembered I saw somewhere that the memo function is not working. there is no memo associated even you input your notes like name or account number in that memo place when you initiate a mail check service. Is that fixed now or it's not as what i read? TY for any inputs!
Memo function actually worked if done properly.
Tricky part is you need to click "done"(located right above the memo input box) after you input memo.
Many people just input memo then click "continue" at the bottom,in this case, there will be no memo on the check.
I don't know how many characters we can input in the memo though.
supergrandslam is offline  
Old Jun 1, 2013, 12:02 am
  #842  
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Originally Posted by arsenalman
I have WF as well and i just put the account number associated with the mortgage. As its in the system, it gets thr in about 2 days. Keep in mind i always send my payment at least 10-12 days before. While i havent had a problem in 4 months, i still dont trust BB.
Thanks for the info, I'll be trying this next month...
FlightNurse is offline  
Old Jun 1, 2013, 12:03 am
  #843  
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Originally Posted by winner88
Yes. Pick Citibank credit card and enter the card number, it routes it to the correct place.
Excellent, I guess the same thing can be done wtih car payments too.
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Old Jun 1, 2013, 12:32 am
  #844  
 
Join Date: Apr 2011
Posts: 267
Is Bluebird loading limit via VR/Walmart kiosk 5k per calendar month (from like 12:01 AM EST May 1 to May 31 11:59 PM EST)? Thanks, I happened to load 1k via Walmart Kiosk at 8:58 PM PST or 11:58 PM EST on May 31. I am not sure if my limit for next month is still 5k or just 4k (take off 1k from May 31 load) and that is the reason I have that question.
Thanks
nature1370 is offline  
Old Jun 1, 2013, 1:40 pm
  #845  
 
Join Date: Jun 2011
Posts: 41
Originally Posted by supergrandslam
Memo function actually worked if done properly.
Tricky part is you need to click "done"(located right above the memo input box) after you input memo.
Many people just input memo then click "continue" at the bottom,in this case, there will be no memo on the check.
I don't know how many characters we can input in the memo though.
Thank you so much for pointing that out!!
czhouchem is offline  
Old Jun 1, 2013, 1:48 pm
  #846  
 
Join Date: Jun 2011
Posts: 41
I saw a lot of discussions about load at walmart and VR. I am understanding that buying vr and go to vr.com to load it to the prepaid card and then use it. Is loading at walmart another route? or just a different way from going to vr.com to use your vr card? I did read any explanation about that in previous posts. can someone point a direction for me?

I googled again and find some more info. So can you buy money order from walmart and deposit to your bluebird card? 70 cents fee? looks like better than the vr route

Last edited by czhouchem; Jun 1, 2013 at 1:56 pm
czhouchem is offline  
Old Jun 1, 2013, 1:50 pm
  #847  
 
Join Date: Oct 2003
Location: KOA
Programs: DL Gold/MM, HH Diamond, Hyatt Explorist, IHG Platinum, Marriott Lifetime Gold
Posts: 2,280
I was setting up my electric company as a payee and it asks for the zip code. Looking at my bill online, the bill is sent from a different city and zip code than where is would be mailed to. Which zip should I use?
Richard1148 is offline  
Old Jun 1, 2013, 1:57 pm
  #848  
 
Join Date: Aug 2010
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Posts: 354
Originally Posted by Richard1148
I was setting up my electric company as a payee and it asks for the zip code. Looking at my bill online, the bill is sent from a different city and zip code than where is would be mailed to. Which zip should I use?
I've always used the zip of the mailing address
y2chen is offline  
Old Jun 1, 2013, 2:14 pm
  #849  
 
Join Date: Oct 2003
Location: KOA
Programs: DL Gold/MM, HH Diamond, Hyatt Explorist, IHG Platinum, Marriott Lifetime Gold
Posts: 2,280
Originally Posted by y2chen
I've always used the zip of the mailing address
OK, thanks. I'll assume that the payments you set up that way have been going through.
Richard1148 is offline  
Old Jun 1, 2013, 2:32 pm
  #850  
 
Join Date: Jan 2012
Programs: DL, WoH
Posts: 1,253
Originally Posted by czhouchem
I saw a lot of discussions about load at walmart and VR. I am understanding that buying vr and go to vr.com to load it to the prepaid card and then use it. Is loading at walmart another route? or just a different way from going to vr.com to use your vr card? I did read any explanation about that in previous posts. can someone point a direction for me?

I googled again and find some more info. So can you buy money order from walmart and deposit to your bluebird card? 70 cents fee? looks like better than the vr route
Going to walmart is more for when you buy prepaid gift cards. Check the pin enabled gift card thread.
ricohitman is offline  
Old Jun 1, 2013, 3:41 pm
  #851  
 
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 waingro
I'm trying to open a Bluebird account and they want:

Social Security Documentation (must clearly show full 9 digit Social Security Number). Choose 1 of the following options:
• Social Security Card, OR
• A Medicare insurance card

Plus…

• Picture ID:
· A valid driver’s license card OR
· A valid state issued ID card OR
· A valid United States Passport

Is this normal? I gotta dig around for my SS card now.
Glad I got my BB earlier. Who even still has their SS card? And I don't qualify for Medicare.
Explore is offline  
Old Jun 1, 2013, 5:00 pm
  #852  
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I transferred a small amount of from my US Bank checking acct. into BB so I could top up my acct. to pay my mortgage. This was 3 days ago and it still shows as "pending". How long does it 'usually' stay in pending status? I'd think 3 days would be plenty.
philemer is offline  
Old Jun 1, 2013, 5:10 pm
  #853  
 
Join Date: Jul 2011
Posts: 130
Originally Posted by philemer
I transferred a small amount of from my US Bank checking acct. into BB so I could top up my acct. to pay my mortgage. This was 3 days ago and it still shows as "pending". How long does it 'usually' stay in pending status? I'd think 3 days would be plenty.
It took 7 days for a very similar transfer I did last month. Frustrating.
Ops5 is offline  
Old Jun 1, 2013, 7:16 pm
  #854  
 
Join Date: Mar 2013
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Originally Posted by philemer
I transferred a small amount of from my US Bank checking acct. into BB so I could top up my acct. to pay my mortgage. This was 3 days ago and it still shows as "pending". How long does it 'usually' stay in pending status? I'd think 3 days would be plenty.
I only recommend using GCs or VRs on BB. I have never linked an checking account and never will.
TheDapperDon is offline  
Old Jun 1, 2013, 8:09 pm
  #855  
 
Join Date: Jan 2013
Posts: 299
Can I load a VR if my permanent card hasn't arrived (just signed up)? The website only shows the last four digits of my account #. I guess I could call. Or should I just wait the 7-10 days to get my permanent card?
waingro is offline  


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