Amex Serve master thread (2017 onwards)

    Hide Wikipost
Old Nov 3, 18, 9:54 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: RedSun
Wiki Link
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
Print Wikipost

Reply

Old Dec 21, 17, 6:58 pm
  #271  
 
Join Date: Aug 2017
Posts: 70
Mamibear, thanks for the update. My question quote actually got lost though, I was asking about Vanilla MCGC online loads
skanchur is offline  
Reply With Quote
Old Dec 22, 17, 4:54 pm
  #272  
 
Join Date: Dec 2017
Posts: 265
Are there any DPs from when previous closing cycles occurred of the minimum amount of time a Serve had between initial VGC load and being caught? Did my first round of loads beginning on the 21st and wondering if I should hold through the New Year for Jan loads or just cancel immediately.
OssianBlue is offline  
Reply With Quote
Old Dec 26, 17, 11:32 pm
  #273  
 
Join Date: Jun 2017
Posts: 33
Closed a 1VIP serve earlier this month. So I'm 4 accounts out of 5 limit. Have tried twice now about 10 days apart to open the fifth account, but no luck.

Also only have 1 Bluebird and tried opening a second but was also shot down. No more accounts after Jan 1, correct?
temporarilypoor is offline  
Reply With Quote
Old Dec 28, 17, 2:46 pm
  #274  
 
Join Date: Jun 2017
Posts: 9
I got this email today after loading some gift cards and using the atm - Is it worth it to call or should I just consider this card useless? I have 3 other serve vip cards that haven't been activated yet. Thanks.

"During a recent review of your American Express Serve® Account we noticed unusual activity. You may experience limitations while using your Account.

Please contact a Customer Care Professional at 1-800-954-0559 so we can ensure your authorization and continue to service your Account safely and securely.

Thanks,

The American Express Serve Team
liquid85 is offline  
Reply With Quote
Old Dec 29, 17, 5:14 pm
  #275  
 
Join Date: Dec 2005
Posts: 412
Liquid85, Why did you use the ATM to withdraw funds??? You were just asking to get shutdown. Most likely that card is done. Hopefully the other 3 aren't linked to the same Social Security number or they might be shutdown as well.
CLELOSER is offline  
Reply With Quote
Old Dec 30, 17, 9:36 pm
  #276  
 
Join Date: Feb 2008
Location: HHH , SAV
Programs: Delta, AA, BA, United, Hyatt Globalist, Hilton Honors Diamond, SPG Marriott Gold, Sixt Platinum
Posts: 954
Originally Posted by liquid85 View Post
I got this email today after loading some gift cards and using the atm - Is it worth it to call or should I just consider this card useless? I have 3 other serve vip cards that haven't been activated yet. Thanks.

Call, you have nothing to lose. That is not the shut down email.

"During a recent review of your American Express Serve® Account we noticed unusual activity. You may experience limitations while using your Account.

Please contact a Customer Care Professional at 1-800-954-0559 so we can ensure your authorization and continue to service your Account safely and securely.

Thanks,

The American Express Serve Team
beachmiles is offline  
Reply With Quote
Old Jan 1, 18, 6:36 pm
  #277  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by liquid85 View Post
I got this email today after loading some gift cards and using the atm - Is it worth it to call or should I just consider this card useless? I have 3 other serve vip cards that haven't been activated yet. Thanks.

"During a recent review of your American Express Serve® Account we noticed unusual activity. You may experience limitations while using your Account.

Please contact a Customer Care Professional at 1-800-954-0559 so we can ensure your authorization and continue to service your Account safely and securely.

Thanks,

The American Express Serve Team
IME, it's useless to call and talk to their so called customer care professional. It was obvious they were just reading from a script and they'd tell me my account was in good standing when I got the email that it was limited. We just went in circles since they insisted my account was in good standing; I knew right then it was a shutdown notice and moved on.

If, by chance, your situation turns out different let us know. Hopefully, Incomm takes over AXP prepaids any day now.
Mamibear is offline  
Reply With Quote
Old Jan 1, 18, 7:11 pm
  #278  
 
Join Date: Jun 2017
Posts: 9
Originally Posted by Mamibear View Post
IME, it's useless to call and talk to their so called customer care professional. It was obvious they were just reading from a script and they'd tell me my account was in good standing when I got the email that it was limited. We just went in circles since they insisted my account was in good standing; I knew right then it was a shutdown notice and moved on.

If, by chance, your situation turns out different let us know. Hopefully, Incomm takes over AXP prepaids any day now.
So I did call. It went just like a fraud conversation would go with a credit card. They just wanted to confirm the activity. That afternoon I transferred my 500$ serve balance to my bank account. Saturday I loaded 1000 at two different Family Dollars and have already transferred it to my Bank account. I know its just a mater of time before Im shutdown but it is nice not having to go to Neighborhood walmart for MO.
liquid85 is offline  
Reply With Quote
Old Jan 5, 18, 8:34 am
  #279  
 
Join Date: Dec 2017
Posts: 265
I was just able to rinse and repeat on greens for #6 three minutes after cancelling. #5 was applied for back in Oct.
OssianBlue is offline  
Reply With Quote
Old Jan 6, 18, 6:22 am
  #280  
 
Join Date: Dec 2017
Posts: 265
Noticed something interesting; when you cancel it tells you the account will be open for awhile to access records. However I just tried to log in the day after I cancelled and opened a new account in my 5th slot. The old account is now completely gone--can't log in at all.
OssianBlue is offline  
Reply With Quote
Old Jan 7, 18, 11:40 pm
  #281  
 
Join Date: Dec 2014
Posts: 47
Banned

I'm sure this has been asked before, but if you buy a serve starter kit when your banned, what happens? You just use it like a normal debit card to cash out?
Slytherin23 is offline  
Reply With Quote
Old Jan 8, 18, 3:32 am
  #282  
 
Join Date: Dec 2013
Posts: 3,082
Originally Posted by Slytherin23 View Post
I'm sure this has been asked before, but if you buy a serve starter kit when your banned, what happens? You just use it like a normal debit card to cash out?
What would be the purpose of buying a Serve starter kit? Sure you can fund it and liquidate it for normal spend. However you cannot liquidate it via MO nor can you use it to register the temp card since the system will check for SSN. I did try to experiment with this almost 1.5 years ago with buying a Serve starter kit loaded with $20 and tried to register with Serve with no success.

Originally Posted by Mamibear View Post
IME, it's useless to call and talk to their so called customer care professional. It was obvious they were just reading from a script and they'd tell me my account was in good standing when I got the email that it was limited. We just went in circles since they insisted my account was in good standing; I knew right then it was a shutdown notice and moved on.

If, by chance, your situation turns out different let us know. Hopefully, Incomm takes over AXP prepaids any day now.
I highly doubt anything is going to change with Incomm. It would be a pipe dream if somehow things got reset but I would not be banking on that.
ericdabbs is offline  
Reply With Quote
Old Jan 16, 18, 8:51 am
  #283  
 
Join Date: May 2008
Posts: 89
I was at my usual Walmart to load my BB. The person at the CS was new. Did the load and after entering PIN, he asked to show the card. Once he saw it was a VGC, he said you can't use GC and its against WM policy. I politely accepted and walked out cancelling the transaction. I never experience like this before for a BB load.
NBG007 is offline  
Reply With Quote
Old Jan 18, 18, 8:44 pm
  #284  
Suspended
 
Join Date: Mar 2013
Posts: 469
has anyone been able to get a second serve card after getting axed?
ChuckMango is offline  
Reply With Quote
Old Jan 19, 18, 7:51 am
  #285  
 
Join Date: Oct 2017
Posts: 53
There's some talk over on r/churning of people waiting exceedingly long for their withdrawals to bank account to go through this week. Anybody else here experiencing the same thing?
jsl_313 is offline  
Reply With Quote

Thread Tools
Search this Thread
 
  • Ask a Question
    Get answers from community experts
Question Title:
Description:
Your question will be posted in: