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Old Jan 5, 2017, 4:03 am
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: deker0
This thread is a continuation of the 2016 Serve master thread located at Amex Serve (2016) [Many shutdowns starting Jan 8, 2016]


5/21/2019 another round of Serve and Bluebird shutdowns.

On January 8, 2016, most Serve cards that were being used for MS were closed by Amex due to "unusual activity". Recurring waves of shutdowns have continued.

There are three version of Serve cards, Blue, Green and Grey. The fees and specifics are listed here:
https://www.serve.com/help/?intlink=us-serve-marketing-home-customer2-incomm2018-freezecardlearnmore&anchor=lost-or-stolen-1

The best Serve version for MS purpose is the "Green" version. It can be loaded at CVS, Rite Aid, DG (cash only) and Walmart, FD stores (cash and debit). There is no loading fee, but there is a $6.95 monthly fee that can't be waived. You could avoid the monthly fee by keeping $0 balance prior to month end statement closing. But this may cause account shut-down. As of end of 2020, there have been changes at the loading side (FD, WM). Not all GCs are accepted. Trial and report back to forum.


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).

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

Loads at Dollar General - Appears to no longer be working with any brand of VCG.

Regular Serve
  • Serve loading via VR/MP (Vanilla Reload/Moneypak) or WM/FD load: $2,500 per card per day; $5,000 total per calendar month each card; $10,000 total each calendar month all Serve cards combined
  • Online Debit Card Load - $200/day and $1,000/month
    • 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 (Vanilla Reload/Moneypak) 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.
Amex stopped taking applications for OneVip at the end of 2017. Cards acquired before then still work.

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 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 Propel (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
  1. 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



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Amex Serve master thread (2017-2023)

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Old Dec 17, 2019, 8:51 am
  #1156  
 
Join Date: Oct 2004
Programs: Amtrak Guest Rewards, Starwood Preferred Guest, Marriott Rewards, Hilton Honors
Posts: 255
Originally Posted by YoungBubbie
Make sure apartment number is written exactly same way on both.
Address must match exactly.
This could be reason why.
It seems to be an error when I try to add the cc account to the Serve Bill Pay. It doesn't like the zip code I'm entering (I'm copying it directly from my cc statement):

Sorry, it looks like the account number or the zip code you entered is incorrect (you may need to enter a 5 or 9 digit zip code number). Please try again.
deker0 is offline  
Old Dec 18, 2019, 12:44 am
  #1157  
 
Join Date: Oct 2015
Location: NRT
Programs: UA gold
Posts: 135
PSA. Serve/bluebird now takes longer time to deliver the payment.

I feel like it could be connected with the change couple days ago where you lost all your payee accounts info.

Another change is that I find it requires zip info when you add payee, which was not required for certain payee.

Anyway, now it takes 4 days to deliver your payment, meaning if you make payment on day 1 before cutoff time, the delivery date wouldbe day 5, instead of day 2.

I've added 3 payees and got the same longer time. I also made a payment on 16th before the cutoff time and the payment didn't show up as of now.

So annoying.

Update it looks like the payment delivered on day 3.

Last edited by ezakipocky; Dec 18, 2019 at 7:18 pm
ezakipocky is offline  
Old Dec 22, 2019, 6:31 pm
  #1158  
 
Join Date: Dec 2019
Posts: 9
Hello All. I am very new here, but also very willing to learn. First thanks to all the contributors here for providing all this great info. I have just read through this thread, and reviewed the Wiki a couple times. I am also currently reviewing the BB threads.

I recently signed up for my first Srv and BB cards (just 1 each to start out) and waiting to receive them. One question I have is are the GC loads considered cash, is that how people are loading more than the $200/day $1000/month Debit limit?

I am planning on testing out the waters in my area with $20 VGC at the different locations (WM/FD/DG), but I am assuming it does not say the source of the money (cash or debit) added to the cards in the online accounts for Srv and BB. We do have a RA store but as I understand it they are cash only (I will test and report back). Below is what I am seeing from the Srv website:

Add Money Limits:
Cash - $2500/day ; $5000/month ; $9000/day for all Srv accounts
Debit - $200/day ; $1000/month

Cash — You can add cash directly at the register at thousands of locations. You can add as much as $500 or as little as $20. Just give your Amex Srv Card and cash to the cashier, and your money is immediately added to your Card. Cash load fees vary by retailer and Account type. You can load cash for free with the Amex Srv Free Reloads Account at participating retailers.

Debit/Amex Credit Card — add money from your debit or credit card (cash advance fees may apply for credit card loads; check with your credit card issuer for details). Please note: Gift cards cannot be used to add money.
Burizado is offline  
Old Dec 28, 2019, 3:49 pm
  #1159  
 
Join Date: Dec 2017
Posts: 463
The debit/credit card is for when you sit at home and add cash on-line.
When you use a debit card at the register (WM/DG/FD), it'll be treated as cash.
Good luck!
Klemhuzzah is offline  
Old Dec 28, 2019, 3:53 pm
  #1160  
 
Join Date: Dec 2017
Posts: 463
Debit/Amex Credit Card — add money from your debit or credit card (cash advance fees may apply for credit card loads; check with your credit card issuer for details). Please note: Gift cards cannot be used to add money.
The gift cards it's referring to are the ones that are not also debit cards. Such as an Amex gift card. The visa/mastercard gift cards which are also debit cards work fine. Except for the (One)Vanilla mastercards bought at Sam's Club - for some reason, they don't work, even though vanilla visa works and mastercard works.
Klemhuzzah is offline  
Old Jan 1, 2020, 1:15 pm
  #1161  
 
Join Date: Dec 2019
Posts: 9
Originally Posted by Klemhuzzah
The gift cards it's referring to are the ones that are not also debit cards. Such as an Amex gift card. The visa/mastercard gift cards which are also debit cards work fine. Except for the (One)Vanilla mastercards bought at Sam's Club - for some reason, they don't work, even though vanilla visa works and mastercard works.
Thanks for the feedback. I received my card a few days ago and activated it. I will be testing out the waters in my area in the coming weeks, to see how smoothly I can get the process to run.
Burizado is offline  
Old Jan 1, 2020, 1:17 pm
  #1162  
 
Join Date: Dec 2019
Posts: 9
Originally Posted by Klemhuzzah
The debit/credit card is for when you sit at home and add cash on-line.
When you use a debit card at the register (WM/DG/FD), it'll be treated as cash.
Good luck!

Thanks Klemhuzzah. So do most people do both (on-line and in store) or mainly just in store money adds? From reading through this thread it seems most go in store.
Burizado is offline  
Old Jan 2, 2020, 1:48 pm
  #1163  
 
Join Date: Mar 2019
Posts: 6
Originally Posted by Burizado
Thanks Klemhuzzah. So do most people do both (on-line and in store) or mainly just in store money adds? From reading through this thread it seems most go in store.
Never actually done on-line personally. Only in store.
manlinear is offline  
Old Jan 3, 2020, 3:57 pm
  #1164  
 
Join Date: Dec 2015
Posts: 3
Bill pay issues

So many innovators here I'm having issues with my BP also since the changes if anyone has extra info feel free to PM I'd like to hear more dp before sending more off
quasi8 is offline  
Old Jan 5, 2020, 1:06 am
  #1165  
 
Join Date: Dec 2017
Posts: 463
Originally Posted by Burizado
Thanks Klemhuzzah. So do most people do both (on-line and in store) or mainly just in store money adds? From reading through this thread it seems most go in store.
I don't know about most people, but I did it in-store only. IIRC, you can only do on-line load with an Amex card. Since an amex gift card is not also a debit card, you can't load the gc. And you can't load visa/mc gc. So in-store it is.

You could load with an Amex credit card. But amex doesn't give any rewards for this, so it's no good for MS. You could do it with a 3rd-party amex card and you *might* get the rewards. But the limits were so low, I didn't think it was worth the trouble of tracking down a decent card to do it with.
Klemhuzzah is offline  
Old Jan 5, 2020, 12:58 pm
  #1166  
 
Join Date: Dec 2019
Posts: 9
Originally Posted by Klemhuzzah
I don't know about most people, but I did it in-store only. IIRC, you can only do on-line load with an Amex card. Since an amex gift card is not also a debit card, you can't load the gc. And you can't load visa/mc gc. So in-store it is.

You could load with an Amex credit card. But amex doesn't give any rewards for this, so it's no good for MS. You could do it with a 3rd-party amex card and you *might* get the rewards. But the limits were so low, I didn't think it was worth the trouble of tracking down a decent card to do it with.
Ah ok. Thanks for the info Klemhuzzah. That is what I figured from reading this thread, and from the Wiki, but I wanted to ask since I didn't know if there was an advantage outside of the information in this thread to loading the cards online.
Burizado is offline  
Old Jan 6, 2020, 6:06 pm
  #1167  
 
Join Date: Jul 2014
Location: JRF
Programs: AA Gold, Marriott Platinum, Hilton Diamond, National Executive Elite
Posts: 1,784
Is it just me or does payments to Chase Manhattan Bank seem to take longer than normal to post (compared to just Chase as the biller)?
msp3 is offline  
Old Jan 7, 2020, 9:08 pm
  #1168  
 
Join Date: Jan 2016
Posts: 128
I'm experiencing a much longer time for the payments to post. Because Chase Card Services didn't show up after the maintenance update took place, I decided to add Chase as a payee and have a check sent to Chase Card Services at the address listed on my bill. I put my name and the account number on the memo line. My Serve account shows that the check cleared on Dec. 22, but it still has not shown up on my Chase account. I will give it a few more days, but has anyone ever had to request a copy of the "check" or other evidence of payment from Serve? In other words, I want to get some evidence that the payment was made to Chase so that when I contact Chase I can show them that they received the funds from my Serve account. In the olden days, I would get a copy of the cancelled check from my bank and send it to Chase. I'm not sure how to get similar proof from Serve. Anyone had to do this? It looks like you can only contact Serve by phone or by snail mail.

Last edited by kciflyer; Jan 8, 2020 at 7:43 am Reason: mistake
kciflyer is offline  
Old Jan 8, 2020, 3:27 pm
  #1169  
 
Join Date: Apr 1999
Location: Andover, MA, 01810
Posts: 1,972
I made a payment by check on Dec 20, and it showed up Jan 6.
UserMark is offline  
Old Jan 9, 2020, 10:36 am
  #1170  
 
Join Date: Jul 2019
Posts: 14
Loading at Dollar General

Attempted two reloads today at two different DG locations, using two different Green Serve cards (one under my name, one under P2’s). Cards activated properly when CSR swiped them, but register kept giving “Visa Debit Tender Not Allowed” message. I tried a couple different VGC’s purchased at GCM with no success. I fear that DG may have hard coded their registers, but hopefully my experience is just a fluke. Was able to liquidate at FD no problem.
perceptz245 is offline  


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