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
Softcard Serve
Softcard has shutdown and there is no longer any way to apply for this version.
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:
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:
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
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:
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
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
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
- Checks - $2,000/day and $10,000/month
- Checking/Savings Account - $2,000/month
- Online Credit Card Load (AmEx only) - $200/day and $1,000/month
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
- Checks - $2,000/day and $10,000/month
- Checking/Savings Account - $2,000/month
- Online Credit Card Load - $500/day and $1,500/month
- Online Debit Card Load - $500/day and $1,500/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
- USAA Cash Rewards/Rewards Plus AmEx
- US Bank Flexperks AmEx
- Travelocity AmEx
- SavingStar AmEx
- Penfed Premium Travel Rewards AmEx
- Macy's AmEx
- FNBO Platinum AmEx
- FNBO Graphite AmEx
- FNBO AmEx
- Dillard's AmEx
- Citi Thank You Preferred AmEx (not obtainable unless specifically requested)
- Citi Dividend AmEx (not obtainable unless specifically requested)
- Citi AAdvantage Platinum Select AmEx
- Bloomingdale's AmEx
- Bank of Hawaii AmEx Card with MyBankoh Rewards
- Bank of America Accelerated Rewards AmEx
- Alitalia 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)
- Discover
- Citi (MasterCard, American Express)
- Chase (MasterCard, Visa)
- Capital One (Mastercard, Visa)
- Barclaycard (Mastercard, Visa)
- 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
- 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.
- 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.
- at account security protection department, they told me need to call back on my phone number which I registered to verify.
- CSR, told me that my account went to "account security protection department" transfer me to them.
- 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.
- after the register and login, second error: "We're still processing your application. Please check your email for an update"
- 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
- 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!!)
- 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."
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.
- The terminal will ask the WM employee if you are loading in multiples of $2000. Advise them to enter "no."
- 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.
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
- 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.
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
Amex Serve master thread (2017-2023)
#511
Join Date: Dec 2017
Posts: 463
In-store (Family Dollar), I've loaded with Vanilla Visa, I've loaded with non-vanilla MC, but got denied when I tried a vanilla MC. But that same card also got denied at the grocery store where vanilla MC has worked before, so I suspect it may have just been the magstripe on that particular card.
#513
Join Date: Dec 2017
Posts: 746
Heads up: Serve looks like they have instituted a check on bank accounts used to withdraw. I tried to add in my bank account to a new Serve account for me and P2 for a rinse and repeat using the same account as I used last month and got a popup that the account number was already in the system. I tried another bank account I last used in January and that went through. In any event, do some advance planning for how you are actually going to get cash out if you've been pushing each new account to the same bank account.
#514
Join Date: Aug 2018
Posts: 6
Heads up: Serve looks like they have instituted a check on bank accounts used to withdraw. I tried to add in my bank account to a new Serve account for me and P2 for a rinse and repeat using the same account as I used last month and got a popup that the account number was already in the system. I tried another bank account I last used in January and that went through. In any event, do some advance planning for how you are actually going to get cash out if you've been pushing each new account to the same bank account.
#516
Join Date: Oct 2017
Posts: 110
Heads up: Serve looks like they have instituted a check on bank accounts used to withdraw. I tried to add in my bank account to a new Serve account for me and P2 for a rinse and repeat using the same account as I used last month and got a popup that the account number was already in the system. I tried another bank account I last used in January and that went through. In any event, do some advance planning for how you are actually going to get cash out if you've been pushing each new account to the same bank account.
#518
Join Date: Jul 2018
Posts: 34
Noob Serve churner here. I should be soon receiving my first Serve cards and I'd like to make sure my though process is good.
Somewhere I was reading that Serve is best for reloads at DG and FD also Walmart may work as well.
I plan to load up serve green for two months and close the account before second statement closes. I heard this can prevent premature account shutdown.
Which visa gift cards can I easily load at DG, FD and Walmart? Does any issuing bank Visa card work fine?
I plan to start off with loading Serve Green once per visit at $500. Does DG, FD and Walmart typically let you load to $1500? I read that most may allow up to 4 swipes.
Somewhere I was reading that Serve is best for reloads at DG and FD also Walmart may work as well.
I plan to load up serve green for two months and close the account before second statement closes. I heard this can prevent premature account shutdown.
Which visa gift cards can I easily load at DG, FD and Walmart? Does any issuing bank Visa card work fine?
I plan to start off with loading Serve Green once per visit at $500. Does DG, FD and Walmart typically let you load to $1500? I read that most may allow up to 4 swipes.
#519
Join Date: Oct 2017
Posts: 110
#520
Join Date: Aug 2017
Posts: 72
Best practice is to always delink the bank accounts and debit cards before closing.
BTW, do you guys recommend closing a OneVIP Serve to avoid shutdown? This is my last OneVIP and I wouldn't be able to get it again.
BTW, do you guys recommend closing a OneVIP Serve to avoid shutdown? This is my last OneVIP and I wouldn't be able to get it again.
#521
Join Date: Oct 2017
Posts: 90
Anybody else have a withdrawal to bank account stuck in purgatory? I made a withdrawal on 8/18 and it's still showing as processing in my Serve account. Usually it shows up the next day.
#522
Join Date: Feb 2014
Posts: 17
I MSd in 2017 for several months (initially VGCs>MO, but then only VGCs>Serve/BB because of the convenience factor), but stopped MSing 8-9 months ago because of life stuff. I was hit by the Serve ban wave at the end of October 2017. My cards are still packed away from my latest move, but according to my spreadsheet, I should have two activated OneVIP accounts/cards; a third OneVIP account whose card I received, but never activated; and two activated BB accounts/cards. I'm still kicking myself, but do Serve cards expire if they haven't been activated? Can they be activated after you've been banned? What's the latest fad for trying to keep accounts alive? I think I used to load just under the max limit for two accounts and then withdraw everything but a small balance (for the BB, I'd withdraw everything).
#523
Suspended
Join Date: Sep 2014
Posts: 350
I MSd in 2017 for several months (initially VGCs>MO, but then only VGCs>Serve/BB because of the convenience factor), but stopped MSing 8-9 months ago because of life stuff. I was hit by the Serve ban wave at the end of October 2017. My cards are still packed away from my latest move, but according to my spreadsheet, I should have two activated OneVIP accounts/cards; a third OneVIP account whose card I received, but never activated; and two activated BB accounts/cards. I'm still kicking myself, but do Serve cards expire if they haven't been activated? Can they be activated after you've been banned? What's the latest fad for trying to keep accounts alive? I think I used to load just under the max limit for two accounts and then withdraw everything but a small balance (for the BB, I'd withdraw everything).