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 Feb 5, 18, 3:03 pm
  #301  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by SideShowBob View Post
So the dollar general nearest my work is not looking safe to enter and load $500 on Serve and keep my life when I leave. Any thoughts on avoiding muggings when loading Serve?
Avoid stores in so called "bad side of town" where most stores have rails on their doors/windows. If you have to load, choose a time where store is busy and lots of people in the parking lot, avoid going there at night. If you find DGs near rich neighborhoods, try those instead of the ones in the ghettos.
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Old Feb 6, 18, 12:06 pm
  #302  
 
Join Date: Feb 2018
Posts: 11
Originally Posted by SideShowBob View Post
So the dollar general nearest my work is not looking safe to enter and load $500 on Serve and keep my life when I leave. Any thoughts on avoiding muggings when loading Serve?
Line was so long and cashiers so incompetent I gave up will have to try again another time of day. On the plus side I wasn't mugged.
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Old Feb 6, 18, 5:10 pm
  #303  
 
Join Date: Jan 2018
Posts: 2
Originally Posted by Mamibear View Post
it has been a while that it has been reported that all Amex cards do NOT work for the min spend requirement even if you can use it to load Serve. It is best to do organic spend for ALL amex cards to ensure you get your bonus.
Aw, crap. I was going off the info from the Wiki (at the top of this thread), which states in multiple places that this counts for min spend requirement.

Serve loads count towards minimum spend on AmEx-issued cards, including SPG.
American Express issued (Counts toward minimum spend -- see post #434)
Any chance somebody with permissions could edit these sections of the Wiki (at the top of this thread)? Unfortunately, I cannot edit because I haven't been a member of FlyerTalk for at least 90 days. I already took out an AmEx Serve based on inaccurate info from the Wiki, and I'd hate for this to happen to somebody else.
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Old Feb 7, 18, 10:14 am
  #304  
 
Join Date: Feb 2018
Posts: 11
Originally Posted by SideShowBob View Post
Line was so long and cashiers so incompetent I gave up will have to try again another time of day. On the plus side I wasn't mugged.
Went back right after store open this morning, was able to load. Felt horrible there's an old (homeless?) woman sitting outside near the store (in light snow) and I'm in store loading $500 to my card. Damn.
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Old Feb 7, 18, 10:16 am
  #305  
 
Join Date: Feb 2018
Posts: 11
Tried applying for a serve for my son (18 years old). He has good credit (~725) although only through authorized user cards. Rejected by serve, "Unfortunately we cannot approve you". Tried again from a PC (first was from a phone) thinking maybe it didn't like the address, but same error. Both emails have a card number (last four digits in them) so any chance this is some temporary issue on the amex side? Afraid to try using my name/SSN as I already have and don't want to get blocked by them.
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Old Feb 8, 18, 9:24 am
  #306  
 
Join Date: Feb 2018
Posts: 11
Now they just emailed my son telling him to finish his application. ...?
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Old Feb 21, 18, 1:41 pm
  #307  
 
Join Date: Oct 2011
Posts: 4,165
Is there another prepaid card similar to Serve that allows multiple, small debit loads to meet a bank's transaction requirement for higher interest? Can't do Amazon loads since we'll be overseas and won't be using Amazon anymore.
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Old Feb 21, 18, 2:17 pm
  #308  
 
Join Date: May 2012
Posts: 7
Originally Posted by Superorb View Post
Is there another prepaid card similar to Serve that allows multiple, small debit loads to meet a bank's transaction requirement for higher interest? Can't do Amazon loads since we'll be overseas and won't be using Amazon anymore.
You can try Circle or Google Wallet. Not sure how they would react to multiple small debit card transactions on the same day. There is nothing in the Terms that specifically address this.

If you try, please tell us how it worked!
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Old Feb 21, 18, 3:47 pm
  #309  
 
Join Date: Oct 2011
Posts: 4,165
Originally Posted by viking123 View Post
You can try Circle or Google Wallet. Not sure how they would react to multiple small debit card transactions on the same day. There is nothing in the Terms that specifically address this.

If you try, please tell us how it worked!
Already banned from Circle. Did 8 $1+ debit loads and they canned me the next day. And I had an old Google Wallet Biz profile so they're not letting me use it even though I deleted the biz profile.
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Old Feb 24, 18, 10:33 pm
  #310  
 
Join Date: Aug 2017
Posts: 70
How can I convince the cashiers at WM to load my Serve at the regular register? I know it is possible to do it, but they always direct me to customer service. What a pain, I could be doubling my volume..
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Old Feb 25, 18, 12:24 pm
  #311  
 
Join Date: Jul 2014
Posts: 3,665
Originally Posted by skanchur View Post
How can I convince the cashiers at WM to load my Serve at the regular register? I know it is possible to do it, but they always direct me to customer service. What a pain, I could be doubling my volume..
Try the youngins, sometimes they'll direct you to MC because they don't know the code so if you tell them what to press, they comply. However, if there is a store memo that loading prepaids must be done strictly at MC or customer service center, nothing you can do but try another store.
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Old Feb 27, 18, 12:54 pm
  #312  
 
Join Date: Oct 2017
Posts: 53
I'm going to rinse and repeat for the first time with Serve. I'm currently at the max number of accounts. Any idea how long after canceling until I can open a new one? As in, is it instantaneous or should I wait 24 hours or something?
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Old Mar 2, 18, 9:25 pm
  #313  
 
Join Date: Feb 2018
Posts: 1
Can you load Serve with WM VGC's by Green Dot? I tried to reload $500 and failed.
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Old Mar 4, 18, 11:40 am
  #314  
 
Join Date: Dec 2015
Posts: 5
I have three OneVIP Serve accounts and three separate online logins. Due to poor record keeping, I do not know which log in is for which card. Is there anyway to figure it out (besides loading each one with a different amount of $)?
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Old Mar 4, 18, 11:57 am
  #315  
 
Join Date: Oct 2011
Posts: 4,165
Originally Posted by nameisjae View Post
Can you load Serve with WM VGC's by Green Dot? I tried to reload $500 and failed.
Did you enter your PIN?
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