Jan 10, 2015, 8:55 pm
Last edit by: ericdabbs
The previous megathread is here.
Read the wiki before posting a question.
It's a literacy test that's easy to pass.
As of April 16, 2015 regular Serve cards will only accept American Express network cards for online credit card loads.
Softcard Serve accounts are apparently grandfathered in the old system and continue to work as before, being able to load Mastercard, Visa, and Discover (see below).
Serve loads count towards minimum spend on AmEx-issued cards, including SPG.
This is the Serve thread. Post questions or information concerning other topics in the appropriate threads elsewhere in this forum.
For additional information on using prepaid debit cards, see PIN available now for Visa/MC prepaid debit cards.
You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.
https://www.serve.com/#/add-cash
If your card doesn't say "debit" on the front, it isn't a debit card.
Loads at 7-11 and CVS are cash only. Debit cards are NOT allowed.
Loads at Walmart have been confirmed with debit cards. Self checkout does not work for loading Serve. Many Walmart stores are enforcing a rule against the use of prepaid debit 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, then discreetly use your prepaid card when asked to swipe. Otherwise, you may be asked by management to never visit the MC (Walmart Money Center) again to load.
Debit loading at Family Dollar appears to be limited to $500 per day per store total (not per person or per account). Whoever gets there first gets the load for the day. Troubleshooting loading problems at FD
Regular Serve
You can combine the three methods above and load a total of $7k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Softcard Serve
Softcard has shutdown and there is no longer any way to apply for this version.
You can combine the three methods above and load a total of $8k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Temp Serve
You can only load a maximum of $500/day, $1000/month on a temporary card. Once you get your permanent card, then you can load more. The initial $500 when you purchase the temp card doesn't count against the $5,000/month load limit.
OneVip Card: (Mucho gracias, AndrewTheMan)
This card is essentially just like the regular, fee-free, "old" serve. You may reload this card up to $2,500/day; $1,000/transaction at Walmart (not impacted by Blue Bird daily limit change). Have not tested FD or anywhere else. KATE takes this no problems..
You can use this to load the FIDO AMEX up to 1k a month.
Limits for online debit card and credit card loads reset at 9 PM PST/12 AM EST
Online Credit Card Loads
Only one card can be linked at a time.
For online CC/DC loads, the name on the Serve account is supposed to match the name of the primary or joint cardholder. So using someone else's CC/DB card to load a Serve account is not allowed.
A few report no problems loading with an AU card in the Serve account holder's name. Increase your chances by making sure the AUs social security number is on file with the Credit Card.
When adding a new card you will usually need to call Serve Account security (1-800-555-4318) for verification of the new card on the second load try. This verification usually requires uploading of a photo of your ID and the credit card. You may pre-emptively avoid the error by going to the above website, logging in, and uploading a scan of a photo ID and the card you are trying to add. You may call back to expedite approval. One person with a Serve/Softcard account reported being sent to the main Serve number for this process.
https://www.serve.com/help/#add-money-5
Regular Serve Credit Card Loading
Regular Serve can only load from American Express network cards. In addition to those issued directly by American Express, this includes the following:
Softcard Serve Credit Card Loading
If you are fortunate enough to be grandfathered into a Softcard Serve Account, you can also load other credit cards beside American Express cards. Softcard Serve is not available to new applicants anymore so you'll need to get one of the other Serve options if you don't already have one. In general, Mastercard and American Express cards post as purchases. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.
Treated as purchase, earns cashback/points/miles:
Treated as purchase, but doesn't earn points/miles:
Posts as a cash advance:
The Chase Ink Bold is a charge card and has no cash advance ability.
A few report being unable to add the Chase IHG MC.
Online Debit Card Loads
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. While initial transactions may work, your account will eventually be flagged.
Switching to Serve
Helpful instruction post, latest. Thanks raeneye.
Also see this thread: Switching from Serve to BlueBird - 31 day wait???
Switching from BB to Serve
Switching from Redbird is presumably similar. See the RedCard thread for more information.
The number to call to approve your registration after closing Bluebird: Serve Account security 1-800-555-4318
Loading with debit card at Walmart register
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.
Training a WM cashier:
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.
Using Serve
For online bill pay
For bank transfers
Under Settings --> Funding & Transfers --> Bank & Cards --> U.S. Bank Account, you can add your bank info and transfer funds from your Serve card directly to your bank. The bank account must be verified, either by the standard "deposit 2 small sums into your account, such as $0.23 & $0.42" method, or doing an "instant verification" by actually logging into your bank account while still logged into Serve.
===
People with an apartment address can find helpful information quoted in post #7
Read the wiki before posting a question.
It's a literacy test that's easy to pass.
As of April 16, 2015 regular Serve cards will only accept American Express network cards for online credit card loads.
Softcard Serve accounts are apparently grandfathered in the old system and continue to work as before, being able to load Mastercard, Visa, and Discover (see below).
Serve loads count towards minimum spend on AmEx-issued cards, including SPG.
This is the Serve thread. Post questions or information concerning other topics in the appropriate threads elsewhere in this forum.
For additional information on using prepaid debit cards, see PIN available now for Visa/MC prepaid debit cards.
You cannot make an ACH pull from Serve. The direct deposit account and routing numbers are for deposits only.
https://www.serve.com/#/add-cash
If your card doesn't say "debit" on the front, it isn't a debit card.
Loads at 7-11 and CVS are cash only. Debit cards are NOT allowed.
Loads at Walmart have been confirmed with debit cards. Self checkout does not work for loading Serve. Many Walmart stores are enforcing a rule against the use of prepaid debit 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, then discreetly use your prepaid card when asked to swipe. Otherwise, you may be asked by management to never visit the MC (Walmart Money Center) again to load.
Debit loading at Family Dollar appears to be limited to $500 per day per store total (not per person or per account). Whoever gets there first gets the load for the day. Troubleshooting loading problems at FD
Regular Serve
- Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
- Online Debit Card Load - $200/day and $1,000/month [B]
- Online Credit Card Load (AmEx only) - $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
You can combine the three methods above and load a total of $7k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Softcard Serve
Softcard has shutdown and there is no longer any way to apply for this version.
- Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month
- Online Debit Card Load - $500/day and $1,500/month
- Online Credit Card Load - $500/day and $1,500/month
- Checking/Savings Account - $2,000/month
- Checks - $2,000/day and $10,000/month
- ATM Withdrawals - $750/day and $2,000/month
You can combine the three methods above and load a total of $8k/month to a single Serve account for miles/points earning purposes, but beware that you're also subject to a $10,000/month add money limit which also includes check deposits, ACH transfers, and Serve transfers.
Temp Serve
You can only load a maximum of $500/day, $1000/month on a temporary card. Once you get your permanent card, then you can load more. The initial $500 when you purchase the temp card doesn't count against the $5,000/month load limit.
OneVip Card: (Mucho gracias, AndrewTheMan)
This card is essentially just like the regular, fee-free, "old" serve. You may reload this card up to $2,500/day; $1,000/transaction at Walmart (not impacted by Blue Bird daily limit change). Have not tested FD or anywhere else. KATE takes this no problems..
You can use this to load the FIDO AMEX up to 1k a month.
Limits for online debit card and credit card loads reset at 9 PM PST/12 AM EST
Online Credit Card Loads
Only one card can be linked at a time.
For online CC/DC loads, the name on the Serve account is supposed to match the name of the primary or joint cardholder. So using someone else's CC/DB card to load a Serve account is not allowed.
A few report no problems loading with an AU card in the Serve account holder's name. Increase your chances by making sure the AUs social security number is on file with the Credit Card.
When adding a new card you will usually need to call Serve Account security (1-800-555-4318) for verification of the new card on the second load try. This verification usually requires uploading of a photo of your ID and the credit card. You may pre-emptively avoid the error by going to the above website, logging in, and uploading a scan of a photo ID and the card you are trying to add. You may call back to expedite approval. One person with a Serve/Softcard account reported being sent to the main Serve number for this process.
https://www.serve.com/help/#add-money-5
Regular Serve Credit Card Loading
Regular Serve can only load from American Express network cards. In addition to those issued directly by American Express, this includes the following:
- AAA Rewards AmEx
- Alitalia AmEx
- Bank of America Accelerated Rewards AmEx
- Bank of America Asiana Airlines AmEx
- Bank of Hawaii AmEx Card with MyBankoh Rewards
- Bloomingdale's AmEx
- Citi AAdvantage Platinum Select AmEx
- Citi Dividend AmEx (not obtainable unless specifically requested)
- Citi Thank You Preferred AmEx (not obtainable unless specifically requested)
- Dillard's AmEx
- FNBO AmEx
- FNBO Graphite AmEx
- FNBO Platinum AmEx
- Macy's AmEx
- Penfed Premium Travel Rewards AmEx
- SavingStar AmEx
- Travelocity AmEx
- US Bank Flexperks AmEx
- USAA Cash Rewards/Rewards Plus AmEx
- Wells Fargo Propel World/365 AmEx
Softcard Serve Credit Card Loading
If you are fortunate enough to be grandfathered into a Softcard Serve Account, you can also load other credit cards beside American Express cards. Softcard Serve is not available to new applicants anymore so you'll need to get one of the other Serve options if you don't already have one. In general, Mastercard and American Express cards post as purchases. Visa cards transact as a cash advance and, therefore, require available CA limit; although most cards post as a purchase.
Treated as purchase, earns cashback/points/miles:
- Bank of America (FIA) (MasterCard, American Express)
- Barclaycard (Mastercard, Visa)
- Capital One (Mastercard, Visa)
- Chase (MasterCard, Visa)
- Citi (MasterCard, American Express)
- Discover
- Wells Fargo (American Express)
Treated as purchase, but doesn't earn points/miles:
- American Express issued (Counts toward minimum spend -- see post #434) but does not earn points. Example: For the Delta Amex card, Serve counts towards min spend DL miles sign-up bonus, but that spend and subsequent trials of spend on Serve will not earn points. Don't do it, man!
Posts as a cash advance:
The Chase Ink Bold is a charge card and has no cash advance ability.
A few report being unable to add the Chase IHG MC.
Online Debit Card Loads
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. While initial transactions may work, your account will eventually be flagged.
Switching to Serve
Helpful instruction post, latest. Thanks raeneye.
Also see this thread: Switching from Serve to BlueBird - 31 day wait???
Switching from BB to Serve
- Login to BB account, bring account balance to Zero, (By Bill Pay, Send money, etc..)
- Call BB, tell them that you want to open a serve account and close your current BB account. after they check everything they will say something like: "Your account will be permanently closed after 31 days, you can reopen it within 31 day if you change your mind, and you can apply for your new Serve account now, just make sure use the exact same register info from BB."
- at this point BB is closed. next morning, goto CVS and get a temporary Serve card (only with cash), load $500, ($2.95 waived, Yeah!!)
- get back home, register temporary Serve online, First error: "phone number already registered, please try a different number" could be the my BB's ghost account still showing up on their system, could be my info is not match my BB's registration? i'm not really sure at this point. What I did is keep the same number but change from Cell phone to home phone. and registration went through
- after the register and login, second error: "We're still processing your application. Please check your email for an update"
- I have see people on the thread reported waiting for weeks for the same message, So, I pickup the phone and called them, ask them to speed up the process.
- CSR, told me that my account went to "account security protection department" transfer me to them.
- at account security protection department, they told me need to call back on my phone number which I registered to verify.
- after the call back of verification, CSR told me that my new Serve account is active now, email address verification will be send with in 5 minutes, permanent card will be received within 7-10 days.
- CSR also told me the I can load and spend on the temporary card, but not bill pay.
Switching from Redbird is presumably similar. See the RedCard thread for more information.
The number to call to approve your registration after closing Bluebird: Serve Account security 1-800-555-4318
Loading with debit card at Walmart register
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.
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.
Using Serve
For online bill pay
- You can pay the credit card that you used to buy VRs/GCs
- 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
For bank transfers
Under Settings --> Funding & Transfers --> Bank & Cards --> U.S. Bank Account, you can add your bank info and transfer funds from your Serve card directly to your bank. The bank account must be verified, either by the standard "deposit 2 small sums into your account, such as $0.23 & $0.42" method, or doing an "instant verification" by actually logging into your bank account while still logged into Serve.
===
People with an apartment address can find helpful information quoted in post #7
Serve - Another Paypal/Amazon payments (2015)
Apr 17, 2015, 7:29 am
#1021
Join Date: Jul 2014
Posts: 3,688
Under settings, this is what's showing now for CC link:
American Express® Credit Card
Easily add money into your American Express Serve® Account with an American Express® credit card. Add up to $200 per day and $1,000 per month. Cash advance fees for credit card loads may apply; please check with your credit card issuer for details.
American Express® Credit Card
Easily add money into your American Express Serve® Account with an American Express® credit card. Add up to $200 per day and $1,000 per month. Cash advance fees for credit card loads may apply; please check with your credit card issuer for details.
Apr 17, 2015, 7:55 am
#1022
Join Date: Dec 2013
Posts: 51
anybody know if AMEX cards will continue to not earn points for online loads? i am hoping they lift that policy since they blocked all other non-amex cards.
Apr 17, 2015, 7:59 am
#1023
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,575
How would anyone know that?
Apr 17, 2015, 8:47 am
#1024
Join Date: Sep 1999
Location: Charlotte, NC USA
Programs: AA EXP; Marriott Lifetime / Annual Titanium; Massively Missing Starwood
Posts: 5,344
Apr 17, 2015, 9:41 am
#1025
Join Date: Jan 2015
Posts: 1,112
There's no indication [yet] that non-Amex bank issued Amex network cards won't work. The post you replied to just indicated that a non-Amex card (like Visa or MasterCard) was deleted (and I just checked, and my MasterCard was deleted as well).
Apr 17, 2015, 10:47 am
#1026
Join Date: Mar 2013
Posts: 99
Has anyone tried loading their AMEX card to see if it posts as a CA or purchase? I want to meet the minimum spend on my AMEX PRG
Apr 17, 2015, 10:51 am
#1027
Join Date: Feb 2008
Location: CAN, LAX, TPE
Programs: AA, AS, CI, DL, UA
Posts: 2,898
I just tried to link PenFed Amex Card to the account, it says CARD ISSUER DECLINE TRANSACTION CODE. Not sure what to do? Is this a PenFed issue or is it Amex blocking all cards not issued directly by them?
Apr 17, 2015, 11:24 am
#1028
Join Date: Feb 2008
Location: CAN, LAX, TPE
Programs: AA, AS, CI, DL, UA
Posts: 2,898
Apr 17, 2015, 11:46 am
#1029
Join Date: Jan 2015
Location: LAX
Programs: AA, DL, Hyatt, Hilton
Posts: 127
Apr 17, 2015, 11:47 am
#1030
Join Date: Jan 2015
Location: LAX
Programs: AA, DL, Hyatt, Hilton
Posts: 127
It has always posted as purchase - the question is whether a card actually issued by AMEX (rather than AMEX branded card) can be used @ serve to actually qualify for min spend.
Apr 17, 2015, 2:06 pm
#1031
Join Date: Dec 2013
Location: PDX & PHX
Programs: AA,AS,HH,HY,IB,LH,IHG,MAR,WN
Posts: 199
Wiki says "Normal Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month". I have been able to load $500 VGCs at various WMs (Kate or POS) every month for 14 months with DWs Serve card, up to the $5,000 monthly max.
This month we got ~$3,800 loaded, then every attempt since April 9th says "DEBIT NOT APPROVED". Wiki says that one is "Received when the card's monthly load limit had been reached." However, I should still be able to load $1,200 more before I get to the $5,000 limit for April. The VGCs have all been valid and they worked at that same WM for loading GoBank.
Has anyone seen a change in the instore loading limits since April 15th?
This month we got ~$3,800 loaded, then every attempt since April 9th says "DEBIT NOT APPROVED". Wiki says that one is "Received when the card's monthly load limit had been reached." However, I should still be able to load $1,200 more before I get to the $5,000 limit for April. The VGCs have all been valid and they worked at that same WM for loading GoBank.
Has anyone seen a change in the instore loading limits since April 15th?
Apr 17, 2015, 2:11 pm
#1032
Join Date: Jul 2014
Posts: 3,688
Wiki says "Normal Serve loading via VR/MP or WM/FD load: $2,500/day and $5,000 total per calendar month". I have been able to load $500 VGCs at various WMs (Kate or POS) every month for 14 months with DWs Serve card, up to the $5,000 monthly max.
This month we got ~$3,800 loaded, then every attempt since April 9th says "DEBIT NOT APPROVED". Wiki says that one is "Received when the card's monthly load limit had been reached." However, I should still be able to load $1,200 more before I get to the $5,000 limit for April. The VGCs have all been valid and they worked at that same WM for loading GoBank.
Has anyone seen a change in the instore loading limits since April 15th?
This month we got ~$3,800 loaded, then every attempt since April 9th says "DEBIT NOT APPROVED". Wiki says that one is "Received when the card's monthly load limit had been reached." However, I should still be able to load $1,200 more before I get to the $5,000 limit for April. The VGCs have all been valid and they worked at that same WM for loading GoBank.
Has anyone seen a change in the instore loading limits since April 15th?
If you get such error message consistently in one store, maybe you can try a different WM and see if it works?
Apr 17, 2015, 2:44 pm
#1033
Join Date: Sep 2004
Location: New York, NY
Programs: Marriott Bonvoy Lifetime Tit, Hilton Diamond, BA Gold, Carlson Gold, UA*S,
Posts: 1,363
My non-amex cards were deleted but my Citi AA Amex is still available and looks like it's ready to use.
Won't know until May, however, when the clock resets!
Won't know until May, however, when the clock resets!
Apr 17, 2015, 3:01 pm
#1034
Join Date: Dec 2013
Location: PDX & PHX
Programs: AA,AS,HH,HY,IB,LH,IHG,MAR,WN
Posts: 199
Apr 17, 2015, 5:28 pm
#1035
Join Date: Mar 2014
Location: OC/LAX
Posts: 376
I'm confused. I thought online loading for non-AMEX cards on Serve ended yesterday? I closed two accounts because of that. I loaded $500 from my Barclay Arrival just now.
Last edited by aceofcards; Apr 17, 2015 at 6:29 pm