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Old Feb 11, 2014, 12:26 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: ed765
USB Buxx

(NOTE: stopped taking new applications ~mid February 2014 through the official link.
Current users can still add new cards.)

  • Initial purchase fee: $15 + $2.50 load fee
  • Load fee: $2.50 per load, $517.50 max load per transaction ($520 charge to card)
  • Max load per day: $2,000 per CC
  • Max load per rolling 30 days: $2,000 per card, but $5k per CC (if you have multiple teen cards.)
    NOTE: The rolling 30 days is also time sensitive. For example, if you loaded on 9/1 at 2 PM local time and try to load on 10/1 at 12 PM local time, it will NOT work. You must load on 10/1 at 2 PM or later.
  • Max value at any time: $2,000
  • Max ATM withdraw: $200, max 3 ATM per day ($600 total). No fee at US Bank ATMs. Other 'Plus' or Visa ATM $1.50 + ATM fee.
  • You may only add/edit two new credit/debit payment methods every 24 hours, three every 30 days and 5 every 180 days.

Also - Answer ALL the identification questions in your profile (not JUST three or four) USBuxx will sometimes ask you one of the questions, if you use the account on a new computer. HOWEVER - they are more than happy to ask you an unanswered question - talk about BROKEN! So, answer ALL the questions so that when you are prompted - you can answer any of them.

Do not load with any US Bank card as this will not provide points.
Citi codes as purchase and earns points for US Bank

NW Buxx

  • Initial purchase fee: $5 (waived with promo code: 02050053)
  • $2 load fee
  • Max load per day: $500
  • Max load per rolling 30 days: $1,000
  • The maximum Card value is $1,000.00
  • Max ATM per week: ($200 - but only if specifically enabled online, including PIN setup). No fee for some Allpoint ATMs (no way to know in advance if the Allpoint ATM will ding you $1; check your account carefully and call if necessary to reverse the $1 charge…IME 2/3 Allpoint ATMs do charge the fee).
  • Max spend per 7 rolling days: $800


Max # of CC on file for both is 2. Each has a max # of loads per card per 7 day rolling period (~3/4). If you card fails to load, first try to switch to another CC, second check to make sure there are at least 7 calendar days between loads.

Reports of Citi cards (at least Mastercard) coding as purchase for NW Buxx (Jan 2015), but YMMV.

TD Bank Go Buxx

Dead - "members will only be able to load TD Go Card(s) using a TD Bank Debit or Credit Card, or by direct deposit."

  • Initial purchase fee: $4.95 + $1 load fee.
  • Max load per day: $500
  • Max load per 7 days: $2,000
  • Max load per rolling 30 days: $3,000
  • Max per ATM withdraw: $60/week. (No fee at TD Bank.)
  • Max balance: $2,000
  • Max transactions: no limit
  • Max load per funding CC (across multiple teens): only via TD CC $6,000 per 30 days


Limits are per teen card, not per master account

States not supported.

AL, AK, AS, AZ, AR, CA, CO, FM, GA, GU, HI, ID, IL, IN, IA, KS, KY, LA, MI, MN, MS, MO, MT, NE, NV, NM, ND, MP, OH, OK, OR, PW, PR, SD, TN, TX, UT, VI, WA, WV, WI, WY
According to thread, USPS MOs count against the ATM withdraw limit.
Citi codes as purchase and earns points for TD Bank loads.
Citi with some cards including the Exec will keep your order as pending and it will take up Credit limit for 3 to 4 weeks.


Beginning September 3, 2014, we're making changes to the TD GO Card program.
•We're decreasing the reload limit. We're reducing the per-day reload amount from $1,000 to $500. Rest assured, your maximum card balance at any time will remain at $2,000.
•We're changing how you can fund your TD Go Card. Account owners and friends and family members will only be able to load TD Go Card(s) using a TD Bank Debit or Credit Card, or by direct deposit.

Do not create too many accounts too fast. Some reports of account shutdown when same SSN used across multiple cards / accounts in a short period of time.
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VISA Buxx

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Old Nov 2, 2014, 3:14 pm
  #3886  
 
Join Date: Jul 2014
Posts: 65
Originally Posted by 36902BRF
You left out this one:

"You may load value up to 5 times in one day onto the Card using a Navy Federal Visa Debit Card or Navy Federal Visa or MasterCard Credit Card."

From here: https://www.visaprepaidprocessing.co...docs/terms.htm .

Nice but sort of limits its usefulness.
I have this card. Been withdrawing $600 from ATMS almost daily. It's nice so far, and I haven't hit any limits. I also have the NF Buxx to go with it, but that has lower limits.
bewareofduck is offline  
Old Nov 2, 2014, 5:48 pm
  #3887  
 
Join Date: Jan 2014
Location: Chyona
Programs: Anywhere I can ski...
Posts: 401
Originally Posted by 36902BRF
You left out this one:

"You may load value up to 5 times in one day onto the Card using a Navy Federal Visa Debit Card or Navy Federal Visa or MasterCard Credit Card."

From here: https://www.visaprepaidprocessing.co...docs/terms.htm .

Nice but sort of limits its usefulness.
lol, good. i'll let you believe this. i didn't even know navy offered this card, thanks for your research
MasterCharge is offline  
Old Nov 3, 2014, 6:08 am
  #3888  
 
Join Date: May 2012
Posts: 514
Originally Posted by taildragger
I have unloaded Buxx completely to BB or Serve, that's the only way I unload it. $6k/mo.
Did you try it this month? US Buxx seems not to work because of recent change in merchant coding that codes Serve loads as cash advance. Not sure about other Buxx cards.
mizzou1 is offline  
Old Nov 3, 2014, 6:13 am
  #3889  
 
Join Date: Aug 2013
Posts: 1,207
Originally Posted by mizzou1
Did you try it this month? US Buxx seems not to work because of recent change in merchant coding that codes Serve loads as cash advance. Not sure about other Buxx cards.
my guess is the op is doing it at wm, due to the fact he stated 6K a month
hamokmonky is offline  
Old Nov 3, 2014, 10:18 am
  #3890  
 
Join Date: Apr 2014
Posts: 129
i have loaded serve with my TD buxx card in the past
i now have the NW buxx and successfully loaded 500$
then i tried 198$, and was denied at both cashier and kate
this was my first attempt at this
went back a couple days later to try 198$ again and still same results
is there something thats changed in regards to NW buxx and serve loading?
jsmithj88 is offline  
Old Nov 3, 2014, 3:46 pm
  #3891  
 
Join Date: Aug 2013
Posts: 1,710
Originally Posted by MasterCharge
lol, good. i'll let you believe this. i didn't even know navy offered this card, thanks for your research
Yawn the world is awash in prepaid cards that can only be loaded with a particular financial institution's cards, I have a spreadsheet full of them (so I don't waste my time researching cards I have already eliminated). They are of limited use for MS. If you have a decent rewards card for that institution then you can do a bit of MS on them assuming you get rewards and are willing to take the risk of AA since it will be quite clear to the institution what you are doing.

I truly doubt you have found the second coming of MS but if you did great, but you are a fool to even post a hint of it here.

Last edited by 36902BRF; Nov 3, 2014 at 6:19 pm
36902BRF is offline  
Old Nov 3, 2014, 5:38 pm
  #3892  
 
Join Date: Jun 2013
Posts: 93
VISA Buxx

Yes, have always unloaded TD Buxx at WMT. Sadly that is over (for loading TD with other than TD cards).
Last month Serve stopped accepting debit loads online from TD Buxx. That had worked previously for another $1k on top of the $5k monthly limit.
I suggest getting the TD Visa card and hitting that hard for 5% cashback at grocery, dining and gas for 6 months. Because we can.
taildragger is offline  
Old Nov 3, 2014, 5:54 pm
  #3893  
 
Join Date: Jun 2014
Programs: Delta, Hilton Honors, SPG, Marriott, Hyatt
Posts: 672
Originally Posted by jsmithj88
i have loaded serve with my TD buxx card in the past
i now have the NW buxx and successfully loaded 500$
then i tried 198$, and was denied at both cashier and kate
this was my first attempt at this
went back a couple days later to try 198$ again and still same results
is there something thats changed in regards to NW buxx and serve loading?
If you got cash from the ATM, then you've exceeded the weekly limit. Wait till next week...Then again, today is monday.
Membersince2013 is offline  
Old Nov 4, 2014, 8:01 am
  #3894  
 
Join Date: Feb 2008
Location: NYC
Posts: 365
I had a bad experience using Penny Arcade. Teller wanted to charge an 8%, because, according to her, GO card doesn't qualify as an account. She did me a big "favor" of waving that fee at the end, but told me that she can't keep doing that in the future. I was dealing with coins cashing first (and hopefully the last) time in my life. And learnt about Penny Arcade from this tread. Please take a printout of the FAQ which clearly states as additional future.

(unplus) Features of the TD Go Card

Are there any additional services and benefits that come with a TD Go Card?
Yes! TD Go Customers can enjoy the following additional services offered to them by TD Bank:
• TD Bank Visa Gift Cards
• Coin Counting using Penny Arcade
• Check Cashing (TD Bank Checks)
• Money Orders
• Official Checks
In addition, the TD Go Card provides the Cardholder access to Visa's Buxx Services including Purchase Security, Roadside Dispatch and Travel and Emergency Assistance Services. Notice: The Purchase Security applies only to Visa transactions made with a TD Go Card and excludes NYCE and ATM transactions. See the.Terms & Conditions.for more details around accessing these services.


Originally Posted by waygora
It gives you access to Penny Arcade, that's about it. Fee-free ATMs in Canada as well.
Originally Posted by EightBall
Thanks. I tried it and can confirm that the TD Go card will allow you to avoid fees on the Penny Arcade. Teller said I could have to money deposited to my account or have the cash. I'm not sure the TD Go card would take a deposit in this manner, so I just took the cash.
Originally Posted by waygora
I'm pretty sure TD Buxx counts as having a TD account, so you have free access to Penny Arcade. Check the FAQ,
Originally Posted by EightBall
Anyone know if you can make deposits from the Penny Arcade to the TDGo card and avoid the fees for using the machine?
avagyan is offline  
Old Nov 4, 2014, 8:07 am
  #3895  
 
Join Date: Feb 2010
Programs: UA, CO, Delta, AA, BA, Hilton, Starwood, Marriott
Posts: 211
How do I find which All Point ATM doesn't charge $1 fee? Thanks!
karenfly is offline  
Old Nov 4, 2014, 10:07 am
  #3896  
 
Join Date: Apr 2014
Posts: 129
Originally Posted by Membersince2013
If you got cash from the ATM, then you've exceeded the weekly limit. Wait till next week...Then again, today is monday.
so atm withdrawals are under the same 800$ transaction limit?
jsmithj88 is offline  
Old Nov 4, 2014, 10:08 am
  #3897  
 
Join Date: Jun 2014
Programs: Delta, Hilton Honors, SPG, Marriott, Hyatt
Posts: 672
Originally Posted by jsmithj88
so atm withdrawals are under the same 800$ transaction limit?
Yes.
Membersince2013 is offline  
Old Nov 4, 2014, 11:47 am
  #3898  
 
Join Date: May 2013
Location: Live in Columbia, MO. Fly COU, STL, or MCI.
Posts: 95
Originally Posted by mizzou1
Did you try it this month? US Buxx seems not to work because of recent change in merchant coding that codes Serve loads as cash advance. Not sure about other Buxx cards.
I have BB (not Serve) but I just loaded 2x$1000 to BB using a USBuxx card at WM Customer Service.
blt7cd is offline  
Old Nov 4, 2014, 12:06 pm
  #3899  
 
Join Date: Apr 2014
Location: DC
Posts: 360
mizzou1 is talking about online debit card loads, not load at Walmart.
mikex163 is offline  
Old Nov 10, 2014, 11:52 am
  #3900  
 
Join Date: Dec 2012
Location: Philadelphia
Programs: HH Diamond, IHG Plat, SPG & Marriott Gold, CC Silver
Posts: 541
Citi did not charge as cash advance for NW Buxx

Contrary to the wiki and others' experience in this thread, I did an initial load to a NW Buxx with the Citi Hilton Reserve card and it posted as a purchase. No cash advance fees. Specifically, it posted as "NATIONWIDE BANK/GIFT" under category "MORTGAGE COMPANIES-FINANCIAL INSTITUTION".

This was accidental, bcs I'm a dope and forgot it was supposed to be different from TD Buxx, but it ended up being a hopefully useful data point for someoene else.
PHLisa is offline  


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