Amex Serve master thread (2017 onwards)

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This thread is a continuation of the 2016 Serve master thread located at Amex Serve (2016) [Many shutdowns starting Jan 8, 2016]


10/25/17 another round of Serve and Bluebird shutdowns. Prior to this round, the most recent shutdowns were in January 2017.

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.

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 - Works with Vanilla VGC and Metabank VGC. Able to load $1,500 per card per day. Vanilla MC may work, not tested.

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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Old Nov 4, 17, 2:30 pm
  #241  
 
Join Date: Dec 2009
Location: EWN/OAJ/RDU/ILM (Formerly BTV)
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Originally Posted by kciflyer View Post
I'm afraid that if I close down the 2 accounts I have, I won't be able to open any new ones (which would be worse than just letting them ride and using them in the meantime).
Precisely my concern. I guess I'm going to keep using the same 2 accounts until I see some more DPs on here or reddit. If I hear anything, I'll try to come back here and post or send you a PM. Seems like there aren't many of us left, however. Cheers.
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Old Nov 6, 17, 9:33 am
  #242  
 
Join Date: Aug 2015
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Originally Posted by kciflyer View Post
I am in the same boat you are. I have an open Bluebird and an open ServeOne account that both have escaped being closed so far. But for the past 3-4 weeks I have not been able to open up any more Serve/BB accounts. Until I can open a new account, I'm going to just going to let them ride. I'm afraid that if I close down the 2 accounts I have, I won't be able to open any new ones (which would be worse than just letting them ride and using them in the meantime). I'm hoping that there won't be anymore shutdowns before AmEx transfers the cards to the new issuer and then we'll see how the new issuer handles existing accounts and applications for new ones.
could it be that can't open another same as 1 is still active? or in the past before the last wave of shutdown, folks were able to open more than 1 of the same acct, but now not?
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Old Nov 6, 17, 9:56 am
  #243  
 
Join Date: Jan 2016
Posts: 89
Originally Posted by danhouston View Post
could it be that can't open another same as 1 is still active? or in the past before the last wave of shutdown, folks were able to open more than 1 of the same acct, but now not?
In the recent past, folks were able to open more than one of the same account. I have recently tried to open another ServeOne VIP account and a Bluebird account (both of which I currently have), without success. I also tried to open a new Serve Green account (which I do not presently have, but which I've had in the past), but received the same message about not being able to open such an account now. It makes me worried that AmEx is cracking down on the repeated short term opening and closing of these accounts and has decided that if you have opened and closed a number of these accounts over a certain period of time, you can't open any more (for who knows how long). That's just a working theory of mine based on my experience and that of others -- but I don't know that for a fact.
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Old Nov 6, 17, 10:13 am
  #244  
 
Join Date: Aug 2015
Posts: 474
Originally Posted by kciflyer View Post
In the recent past, folks were able to open more than one of the same account. I have recently tried to open another ServeOne VIP account and a Bluebird account (both of which I currently have), without success. I also tried to open a new Serve Green account (which I do not presently have, but which I've had in the past), but received the same message about not being able to open such an account now. It makes me worried that AmEx is cracking down on the repeated short term opening and closing of these accounts and has decided that if you have opened and closed a number of these accounts over a certain period of time, you can't open any more (for who knows how long). That's just a working theory of mine based on my experience and that of others -- but I don't know that for a fact.
i see...wasn't aware of more than 1 of same acct/type is allowed in the past; any guess around when the transition will occur?
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Old Nov 6, 17, 12:06 pm
  #245  
 
Join Date: Jan 2016
Posts: 89
Originally Posted by danhouston View Post
any guess around when the transition will occur?

You mean the transition of Serve from AmEx to InComm Holdings Inc.? If so, I think it was supposed to be complete by the end of the year.
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Old Nov 7, 17, 12:50 pm
  #246  
 
Join Date: Aug 2015
Posts: 474
Originally Posted by kciflyer View Post
You mean the transition of Serve from AmEx to InComm Holdings Inc.? If so, I think it was supposed to be complete by the end of the year.
thx; guess no DPs so far from any folks if a new acct can open after self closing the previous one?
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Old Nov 7, 17, 2:03 pm
  #247  
 
Join Date: Jan 2016
Posts: 89
Originally Posted by danhouston View Post
thx; guess no DPs so far from any folks if a new acct can open after self closing the previous one?
Not that I'm aware of, but I'm not sure everyone is having this problem, so I'm not sure exactly what triggers it. It may not be triggered if you have just opened and closed 1 or 2 accounts and then apply for the exact same card again. I think I done it at least 3 times and now can't open any new accounts but still have two that are open and survived the latest shutdown.
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Old Nov 8, 17, 8:08 am
  #248  
 
Join Date: Jan 2013
Location: USA
Posts: 74
Deleted, nevermind.

Last edited by Ultraboost; Nov 8, 17 at 10:01 am
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Old Nov 13, 17, 3:33 am
  #249  
 
Join Date: Jun 2012
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Posts: 50
deleted

Last edited by seowitz; Nov 13, 17 at 4:08 am Reason: wrong thread
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Old Nov 14, 17, 5:23 pm
  #250  
 
Join Date: Nov 2016
Posts: 33
Having same problem where I cant open new accounts despite my old accounts working just fine.
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Old Dec 2, 17, 11:13 am
  #251  
 
Join Date: Apr 2012
Location: Central Maryland
Posts: 178
I haven't been able to do online loads of my Serve card from my BBVA Amex card since Dec 1. I also can't edit the card in the Settings page. Anyone else seeing problems as well?
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Old Dec 2, 17, 2:13 pm
  #252  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by ENOTTY View Post
I haven't been able to do online loads of my Serve card from my BBVA Amex card since Dec 1. I also can't edit the card in the Settings page. Anyone else seeing problems as well?
It's been a while since I used the axp bbva CC to load to my Serve. I did the targeted offer sent by bbva axp spend $150, get $15 credit and tried to load my prepaid card yesterday and another load today. Both loads went through. If you have not used your bbva CC in a while, make sure it's active and then try loading again. If issue persists, try loading in-store and as long as you can load, your account is in good standing.
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Old Dec 8, 17, 4:52 pm
  #253  
 
Join Date: Nov 2017
Location: STL
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Get em while you still can! Just got this email from Serve:

We are writing to notify you of a change coming to the American Express Serve® ONE VIP™ Program in 2018. As of January 1, 2018, we will no longer be accepting new ONE VIP Card Prepaid applications, but as a current ONE VIP Cardholder, we want to let you know that there will be no impact to your Serve Account.
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Old Dec 10, 17, 3:28 pm
  #254  
 
Join Date: Dec 2016
Programs: Southwest, SPG, Marriott, UR & Amex
Posts: 76
If I create three serve accounts:

If one of my accounts is shut down, will it shut down the other two?

Can I MS on one account and save the other two for when the first one gets shut down on me?

Or will shutting down also shut down the other two, even if they aren't activated?
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Old Dec 10, 17, 3:50 pm
  #255  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by ramonortiz55 View Post
If I create three serve accounts:

If one of my accounts is shut down, will it shut down the other two?

Can I MS on one account and save the other two for when the first one gets shut down on me?

Or will shutting down also shut down the other two, even if they aren't activated?
during the last wave of shutdowns, one of my BBs got shutdown but the other 4 that I have activated but have not used were spared. I'm now loading BB#2. When the cards came, I just activated and then put them in the sock drawer, same thing with VIPs. IME, my cards that were already activate but not used have been spared from shutdowns although I'm aware that things can change with short notice or none at all.
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