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Bluebird prepaid debit, now with FDIC insurance and paper checks (2015)

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Old May 27, 2015, 12:00 am
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: iflyjetz
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 discussion. The previous 2013- 2014 megathread.

For information on switching from BB to Serve, see the Serve thread wiki.

Bluebird Load Limits:
  • Cash loading via VR or WM load: $2,500/day and $5,000 total per calendar month
  • Cash loading up to $1999.99/day at Walmart registers (tested by PedroNY in Post #525 and showed to not be enforced. http://www.flyertalk.com/forum/manufactured-spending/1501215-bluebird-prepaid-debit-now-fdic-insurance-paper-checks-2015-a-35.html#post25611848 )
  • 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

The cash load limit for a temp card is $1,500 total.

*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.
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Bluebird prepaid debit, now with FDIC insurance and paper checks (2015)

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Old Sep 22, 2015, 8:23 am
  #391  
 
Join Date: May 2010
Posts: 688
So I was on line at Walmart in North Bergen, NJ buying some stuff. Some guy was loading his BB (I don't know what cards he was using to load). He loaded 1, than 2, than 3, than 4... at some point he told the cashier he had another BB to load. This whole time there was a line of people waiting and just staring at the guy and the cashier getting really impatient. He than loaded number 5, than 6, than 7, than 8. People were sighing and complaining but the guy didn't look back once and just proceeded to load his BB's. GOOD JOB BEING DISCRETE!
rtraveler is offline  
Old Sep 22, 2015, 4:24 pm
  #392  
 
Join Date: Sep 2015
Posts: 2
I am sorry but I keep seeing so many different way to loading cards and then they don't work. I cannot seem to locate how to can load mine. I have a normal chase account, US Bank Skypass Visa and Bluebird. Each time I go to Walmart, the money machine is out of service. So how to I load money on to my Bluebird from the Skypass?
Stephen Lew is offline  
Old Sep 22, 2015, 4:46 pm
  #393  
 
Join Date: Jan 2013
Programs: Total Rewards Diamond, Delta Gold, Starwood Gold, Mosaic
Posts: 235
Originally Posted by rtraveler
So I was on line at Walmart in North Bergen, NJ buying some stuff. Some guy was loading his BB (I don't know what cards he was using to load). He loaded 1, than 2, than 3, than 4... at some point he told the cashier he had another BB to load. This whole time there was a line of people waiting and just staring at the guy and the cashier getting really impatient. He than loaded number 5, than 6, than 7, than 8. People were sighing and complaining but the guy didn't look back once and just proceeded to load his BB's. GOOD JOB BEING DISCRETE!
I see this in the ny nj area all the time. So sad.
RyanNYNJ is offline  
Old Sep 22, 2015, 4:51 pm
  #394  
 
Join Date: Feb 2013
Programs: Hyatt Globalist, MLife Gold, Marriott Gold, HHonors Gold, Caesars Diamond, Amex Plat
Posts: 5,940
Originally Posted by Stephen Lew
I am sorry but I keep seeing so many different way to loading cards and then they don't work. I cannot seem to locate how to can load mine. I have a normal chase account, US Bank Skypass Visa and Bluebird. Each time I go to Walmart, the money machine is out of service. So how to I load money on to my Bluebird from the Skypass?
You can load BB at the Money Center in WM or in the checkout line. However, you can only load with a pin-enabled debit (or gift card with a pin: only certain GCs work; you'll have to read the threads to determine which GCs will work best in your area).
Stgermainparis is offline  
Old Sep 22, 2015, 4:58 pm
  #395  
 
Join Date: Sep 2015
Posts: 2
Originally Posted by Stgermainparis
You can load BB at the Money Center in WM or in the checkout line. However, you can only load with a pin-enabled debit (or gift card with a pin: only certain GCs work; you'll have to read the threads to determine which GCs will work best in your area).
I have looked at several gift cards at Walmart, Target, CVS, Walgreens, etc.. How can you tell if it is a pin enabled card?
Stephen Lew is offline  
Old Sep 22, 2015, 5:38 pm
  #396  
 
Join Date: Oct 2011
Location: North Carolina
Posts: 613
Originally Posted by Stephen Lew
I have looked at several gift cards at Walmart, Target, CVS, Walgreens, etc.. How can you tell if it is a pin enabled card?
Just buy a Sunrise Bank GC at WM--$4.94 fee. The pin is the last four of the card number.
JATR4 is offline  
Old Sep 22, 2015, 9:31 pm
  #397  
 
Join Date: Oct 2014
Posts: 827
Originally Posted by Stephen Lew
I have looked at several gift cards at Walmart, Target, CVS, Walgreens, etc.. How can you tell if it is a pin enabled card?
Most of them will be. Don't buy anything that says vanilla if you want a simple and easy wal-mart experience.
CWAL is offline  
Old Sep 24, 2015, 9:15 pm
  #398  
 
Join Date: Jan 2011
Programs: UA S, Marriott P
Posts: 1,154
has walmart now started enforcing $1000 per cashier limit systemwide?
Twice now I ran into issue where I cant do two 1k loads on the same card in a row. I can continue loading other cards, and at different WM the first one works ok. This happened across multiple WM. I am definitely not hitting any daily or monthly limits. I know I could do 2500 a day without issues before.
dsauch is offline  
Old Sep 25, 2015, 6:10 am
  #399  
 
Join Date: May 2014
Location: PWM
Programs: Delta PM
Posts: 822
Originally Posted by dsauch
has walmart now started enforcing $1000 per cashier limit systemwide?
I ran into that earlier this month. I always loaded my BB twice in a row, 1k each, with the same debit card. Last month I got a speech about how that's against policy and they would only let me load 1k. I don't get it. Came back the next day and did another 1k no problem. Just an inconvenience.
JayTeaBee is offline  
Old Sep 25, 2015, 7:39 am
  #400  
 
Join Date: Sep 2014
Posts: 1,837
Most likely they misunderstood the 1k limit per transaction as 1k per day even though it is really 2.5k per day.

Not worth fighting over and drawing attention.

Just try to load at another cashier
lumangoy is offline  
Old Sep 25, 2015, 8:07 am
  #401  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
Originally Posted by Stephen Lew
I have looked at several gift cards at Walmart, Target, CVS, Walgreens, etc.. How can you tell if it is a pin enabled card?
At the top of this thread, if you click where it says "Manufactured Spending" and go back to the main thread page, click on "New to Manufactured Spending? Start here". You should read through that thread before getting involved with this.
cdancer20 is offline  
Old Sep 25, 2015, 8:21 am
  #402  
 
Join Date: Jan 2011
Programs: UA S, Marriott P
Posts: 1,154
Originally Posted by JayTeaBee
I ran into that earlier this month. I always loaded my BB twice in a row, 1k each, with the same debit card. Last month I got a speech about how that's against policy and they would only let me load 1k. I don't get it. Came back the next day and did another 1k no problem. Just an inconvenience.
no, the cashier didnt have an issue. i got one of those short receipts, which i think said "debit not allowed. call authorizer" or similar. no issues loading to another card at the same MC/checkout instead.
dsauch is offline  
Old Sep 25, 2015, 8:37 am
  #403  
 
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
Originally Posted by dsauch
has walmart now started enforcing $1000 per cashier limit systemwide?
Twice now I ran into issue where I cant do two 1k loads on the same card in a row. I can continue loading other cards, and at different WM the first one works ok. This happened across multiple WM. I am definitely not hitting any daily or monthly limits. I know I could do 2500 a day without issues before.
You're lucky if you get that much. The stores in my area freak out if you want to do $500. They send you to the CS desk.
cdancer20 is offline  
Old Sep 25, 2015, 9:25 am
  #404  
 
Join Date: May 2014
Location: PWM
Programs: Delta PM
Posts: 822
Originally Posted by dsauch
no, the cashier didnt have an issue. i got one of those short receipts, which i think said "debit not allowed. call authorizer" or similar. no issues loading to another card at the same MC/checkout instead.
That is different than what happened to me. That sounds more like a decline. That is exactly what would happen if I tried to buy 5k in money orders from the CS. If I called fraud they would let it through the second time.

For me it was simply an (imo) overzealous cashier (and then assistant manager) who don't know the policy but as another poster said above, it's not really worth making a fuss about. I'm pretty sure any expereinced cashier wouldn't even bat an eye. The kid I had didnt even know about action code 70 and had to get the manager despite me telling him that was how to do it. Then he freaked out when I wanted to load it again, called the assistant manager, who also "confirmed" it was against policy to load these twice in a row.

I think they are jut confused and trying to prevent people doing multiple loads of GC's. In my case it's a straight debit card, no MS going on . PITA.
JayTeaBee is offline  
Old Sep 25, 2015, 9:29 am
  #405  
 
Join Date: Jan 2011
Programs: UA S, Marriott P
Posts: 1,154
Originally Posted by JayTeaBee
That is different than what happened to me. That sounds more like a decline. That is exactly what would happen if I tried to buy 5k in money orders from the CS. If I called fraud they would let it through the second time.
nope - no fraud alerts on the card, not at the limit of any sort. Just couldnt do second 1k. Loading immediately to another card worked perfectly. In fact on bank side it showed 1k deducted and then placed back - similar to when BB is at a limit, but that would happen after 2500.
Ill keep an eye on it.
dsauch is offline  


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