Chase apparently got in trouble with the feds for weak anti money laundering controls and overcorrected after to avoid it in the future. So anything involving anonymous payments or cash payments gets Chase upset. It might be fine but despite it being normal Chase doesn’t like it. It’s not you it’s them.

Can you tell us how you pay Citi card with Serve card?
Which Serve card is this? Amex or visa? Do you call Citi customer service to pay?

I don't know if this will help you or not, but I have Visa BB and P2 has Amex BB. We just load it at Walmart and use it to pay bills since both have routing # and account #.

As long as your loads and bills are not substantial, you should be fine.
I was shut down because I was loading 5 digits worth of GCs and paying five digit bills. Amex probably thought that I was not their target customer and closed me down 8 years ago.

However, for some reason they let me slip back in 4 years ago for a single account. (I have not been able to sign up for anything else since that mistake) but have kept my loads and spends well within their target population without incident.
So, don't go overboard and i suspect that all should be fine, of course until it isn't.

Thanks for the head up. I'm doing about 6k - 8k between me and P2 each month combine because of the 5k load limit each month. Use it for paying cc bills, car payments, and mortgage, nothing out of ordinary like we would normally use the regular checking for all that bills each month anyway. And sprinkle in a few $k with money order.

how about $500 a day?

Would that be under the radar?

Your Serve account has a bill pay function. Log on to your Serve account, select money out, then select bill pay, set it up just like any other banking bill pay service.

What do you think the median income of a person shopping at WM is? I would guess between $50-60K a year ($25-30/hr). Try to think using that income level, even as a single person in an apartment. Pay the rent, perhaps a loan on your car, insurance, yada yada yada.
Do you think that someone in that income level would be depositing $500/day into your presumed only checking account? That works out to about $10K/month. And if that is going out to pay bills and other 'expenses', do you think that some Rat in Amex may get curious.

I cannot give you an answer, all I can do is tell my tale of woe that got me shut down and what I have done to avoid getting shut down since sneaking back in (for whatever reason they let me do it).
There are lots of DPs out there with people describing huge sums passing through their accounts without consequences. In the end, it's your account, do what you feel best doing.;)

Maybe I am risking getting shut down, but I just transfer $5k from 2 accounts to my bank every month rather than bill pay.

I had long forgotten I still had Serve/BB. Called their phone reps to close them out. BB no issues. Serve Silver, had to be transferred to "security/protection" team. They were able to close it out. I asked if they could confirm that an old Serve Green was already closed (shutdown) from years ago. All the rep could tell me was that during a review, they found I went against the terms, and thus no additional info available. I would have to write to corporate to confirm it's closed, which is laughable. They gave me a PO Box in Fortson, GA in case I wanted to follow up.

That's probably a good guess for the medium income of a WM shopper. But I would guess the medium income of somebody using WM for banking-like services would be even less, maybe $25-$40k ($12/hr to $20/hr).

Is serve loading at dollar general using debit allowed? I went to a few stores, all sad cash only.

all cash here too.

It's allowed, but individual store managers like to make up their own rules, so YMMV. I can currently load debits at 1/3 of my local DGs. Recently, it was 3/3, before that it was 2/3, and before that it was 0/3. Go back at a different time and try another employee, or try again in a couple of months and hope for employee/management turnover.

https://cimg5.ibsrv.net/gimg/www.fly...aeb5fc8a9.jpeg
FD Error Message


I have gotten the above error at two FDs with two different Serve accounts this morning. The error appears after swiping my Serve card. Anyone else? I am below the monthly limit for both.