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]


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.

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, 19, 7:38 am
  #1111  
Hyatt 5+ BadgeMarriott 5+ Badge
 
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 2,642
Originally Posted by Taxiback View Post
How were you able to load your serve online?
You can always load Serve card online with any debit card. You can even load from AmEx credit card, but very few of them earn you any rewards. It is only $200 max per day and I think $1k monthly limit.

I do not really know what he trying to do. But have fun doing it.
RedSun is offline  
Old Nov 4, 19, 8:25 am
  #1112  
 
Join Date: May 2009
Location: South Park, CO
Programs: Tegridy Elite
Posts: 5,198
Originally Posted by viking123 View Post
Can I load the GO account with different debit cards online?
Not online but you can load at WM. See the Gobank thread on here.
84fiero is offline  
Old Nov 4, 19, 9:00 am
  #1113  
 
Join Date: Jul 2019
Posts: 25
Originally Posted by RedSun View Post
You can always load Serve card online with any debit card. You can even load from AmEx credit card, but very few of them earn you any rewards. It is only $200 max per day and I think $1k monthly limit.

I do not really know what he trying to do. But have fun doing it.
Does a VGC count as a debit for online loads?
Taxiback is offline  
Old Nov 4, 19, 11:01 am
  #1114  
 
Join Date: Dec 2013
Posts: 3,198
Originally Posted by viking123 View Post
I have not been able to get much info on how that would work. Can I load the GO account with different debit cards online?
For example, 10 loads with debit card1, 10 loads with debit card2 etc..
Serve was perfect for this.....
No you cannot load GoBank online with a debit card but only checking account. You should have been asking this in the Gobank thread.
ericdabbs is offline  
Old Nov 4, 19, 11:46 am
  #1115  
Hyatt 5+ BadgeMarriott 5+ Badge
 
Join Date: Jan 2017
Location: EWR/PHL/BWI
Posts: 2,642
Originally Posted by Taxiback View Post
Does a VGC count as a debit for online loads?
No. Or MS would be super easy.
RedSun is offline  
Old Nov 4, 19, 12:28 pm
  #1116  
 
Join Date: May 2012
Location: SoCal
Posts: 26
Originally Posted by RedSun View Post
You can always load Serve card online with any debit card. You can even load from AmEx credit card, but very few of them earn you any rewards. It is only $200 max per day and I think $1k monthly limit.

I do not really know what he trying to do. But have fun doing it.
If by "he" you referred to me, I can tell you what I was using Serve for before they closed the accounts:
1. Loading with Amexp (issued by other bank - not AmExp directly) for 1.5% cashback => $15/month. Four accounts => $60/month.
2. More importantly; many banks require 10 (or similar) debit card transactions/account for rewards or to get high interest (3.3%-4%). Serve was perfect for meeting this requirement. I just added the relevant debit card online and let my script run 10 loads of my selected amount. Then replace with the next debit card and continue. Repeat every month.

I do not know of any alternative method to do #2 . Amazon reloads is one way, but is risky in high volume (it may lock the Amazon account)....
viking123 is offline  
Old Nov 9, 19, 11:54 am
  #1117  
 
Join Date: Sep 2019
Posts: 9
I've been using Serve for over a week now and I just want to make sure I'm doing things that will hopefully keep me under the radar as much as possible. I load $200 VGC at WM. I've been sticking to $200 per load to keep it at just 1 VGC swipe. I've been doing this 1 or 2 times per day. So far that means I've been loading at most $400/day. I'm aware of all the limits for this ($2,500 per day, $5k/mo/card and $10k/mo/all cards) and will do my best to track. Also so far I've just done BP to pay off utilities, and various credit cards. I don't know if it matters, but I even paid the monthly fee since I didn't know when my statement period ended.

It all sounds pretty benign to me. Anything that I'm doing that should be avoided like maybe daily loads?
moflyer2k is offline  
Old Nov 9, 19, 1:11 pm
  #1118  
 
Join Date: Jun 2019
Location: USA
Programs: UR and MR
Posts: 60
Originally Posted by moflyer2k View Post
I've been using Serve for over a week now and I just want to make sure I'm doing things that will hopefully keep me under the radar as much as possible. I load $200 VGC at WM. I've been sticking to $200 per load to keep it at just 1 VGC swipe. I've been doing this 1 or 2 times per day. So far that means I've been loading at most $400/day. I'm aware of all the limits for this ($2,500 per day, $5k/mo/card and $10k/mo/all cards) and will do my best to track. Also so far I've just done BP to pay off utilities, and various credit cards. I don't know if it matters, but I even paid the monthly fee since I didn't know when my statement period ended.

It all sounds pretty benign to me. Anything that I'm doing that should be avoided like maybe daily loads?
Tbh, what you are doing seems like staying off the radar. I doubt you'll get shutdown with your limit right now.
moflyer2k likes this.
ToastedSi is offline  
Old Nov 10, 19, 8:35 pm
  #1119  
 
Join Date: Feb 2016
Posts: 101
Any luck with loading mcgc with serve at Walmart?
milesjjcc is offline  
Old Nov 10, 19, 9:12 pm
  #1120  
 
Join Date: Feb 2017
Posts: 70
I have the same question about DG. Will try to load $499 next week with a Meta MCGC card from Safeway sale. Gonna be nerve-racking.
zmicer88 is offline  
Old Nov 11, 19, 8:55 am
  #1121  
 
Join Date: Aug 2015
Posts: 676
Originally Posted by milesjjcc View Post
Any luck with loading mcgc with serve at Walmart?
does Serve need to do a quick change pymt to debit for loading mcgc?
danhouston is offline  
Old Nov 11, 19, 5:32 pm
  #1122  
 
Join Date: Feb 2016
Posts: 101
Originally Posted by danhouston View Post
does Serve need to do a quick change pymt to debit for loading mcgc?
Yes
milesjjcc is offline  
Old Nov 11, 19, 9:27 pm
  #1123  
 
Join Date: Feb 2018
Posts: 106
check reddit tons of info on this there.
SideShowBob is offline  
Old Nov 14, 19, 12:56 pm
  #1124  
 
Join Date: Aug 2019
Posts: 3
Does anybody know if I can FedWire transfer money from my bank account to my serve card??
cokeguy223 is offline  
Old Nov 14, 19, 4:11 pm
  #1125  
 
Join Date: Oct 2004
Programs: Amtrak Guest Rewards, Starwood Preferred Guest, Marriott Rewards, Hilton Honors
Posts: 161
Originally Posted by Anlun View Post
Anyone have any luck with FD/DG allowing debit Serve loads in NYC? Tried a few FD and they didn't take debit, and DG nearest stated their debit system was down. Hopeful the DG issue was temporary, but it's a slog to make my way there so hesitant to try again if they won't take it.
I know this is an old comment, but wanted to revive it......any luck with FD/DG in NYC? Not seeing any DPs on this.
deker0 is offline  

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