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Bluebird

Sign up for a free account from Bluebird. Wait 7-10 business days to receive the card. If you have a Serve account, you will need to cancel it and then wait about 30 days before signing up. You need to wait for your physical BB card before you can proceed here.

Please note: You can load a maximum of $1,000 a day (plus $100/day with a debit card, though this might be risky, see below, II.4.) and $5,000 each calendar month into your Bluebird account, from all methods combined.

√ You can find answers to many questions here: https://www.bluebird.com/faqs?linknav=us-Prepaid-Bluebird-Home-Faqs#bluebird-checks
    And here: https://www.bluebird.com/ (just scroll down instead of clicking 'log in')

Ways to load it:

I. Vanilla Reload (VR)

1. Purchase a Vanilla Reload at any location that sells them. It is a hard plastic card similar to most gift cards. CVS is basically the only location that carries them and allows paying with a CC, although YMMV, even within the same store. Finding VR can be very difficult in regions with high DDF-er density. Load $500 on the VR, for a total of $503.95 including fees. The store will usually only let you buy two cards at a time, but again, YMMV. Pay by credit card, obviously.

Some stores will ask for ID and possibly scan your license. This is to make sure you don't default on payment. (It may be possibly to avoid this, if it bothers you, if the loaded value is less than $1,000 but as always, YMMV, and odd load values might look pretty... odd to the employees. You probably don't want to be the talk of the break room. Please use your best judgement.)

Vanilla Reload looks like this:



2. Scratch off to reveal the PIN on the back of the VR.

3. Go to https://www.vanillareload.com and put in the PIN, and then your BB account number on the next screen. No fee will be charged. The money is now in your BB account. If it doesn't work, make sure you entered both numbers correctly. In certain locations you may need to wait about 15 minutes for the money to show up.

II. "Gift" cards (GC)
 
As of April 1st, 2013, Mastercard (MC) and Visa GCs have PIN codes that will make the cards function as debit cards. GCs may be used to load up your Bluebird account in any Walmart, as will be explained below, or get cash back on purchases. There is still a lot of confusion and YMMV very much at this point, so be wary of the risks. Note that not all GCs work. Those from Metabank do, as do others. AMEX GCs are not capable of working with a PIN. They can only be used as gift cards. GCs for a specific business or store (iTunes or Home Depot or whatever) will never work in the ways described here.

1. Buy Visa or MC GCs. The larger the denomination the better, since the fee-to-balance ratio will be better. Buy them anywhere, but you get the most out of this if you buy them with a CC that pays more than 1 point per dollar at that store at that time.

2. You will need a PIN for each GC. If you bought a MC GC, call the number on the back of the card or go online to set a PIN. If you bought a Visa, the last four digits of the card number will usually work, as long as you have not used the card yet. If you have used it, you had to set a PIN, so use that.

3. Go to Walmart.

There are two suggested ways to load the GCs to BB at Walmart. Via a MoneyPass ATM (preferred) or via any cashier. Neither method charges an additional fee to what you paid when you bought the card. Please do not go to the service desk. Certainly do not refer to the GCs as gift cards, as they are, in fact, debit cards.

3a. MoneyPass ATMs

Not all Walmarts have MoneyPass ATMs, and MoneyPass ATMs at non-Walmart locations will not work to load BB. You can search for MoneyPass ATMs at Walmarts here: http://www.moneypass.com/atm-locator.aspx

Some report that MoneyPass ATMs in Walmarts near areas with high concentrations of DDFers seem to be permanently out of service. You may need to go farther afield or use the other method, mentioned below.

Follow the instructions on the machine to load your BB card. In some cases, the "Walmart Money Card" option will work for Bluebird as well. Be patient and careful with your card swipes, as the machines are often slow or touchy. Each GC will be a separate transaction. Remember, the maximum of $1,000/day per BB account always applies.

3b. Cashier

Please remember to be friendly, considerate and compassionate in all your interactions.

Ask a cashier to load your Bluebird account from a debit card. If they don't know how, tell them to use action code 70 and follow the instructions on their screen. They are able to split a single transaction into up to four different cards, but it can be simpler to add one GC at a time, especially with people waiting behind you on line. You can then go back around to the same or another cashier to add other cards. Again, the $1,000/day per BB account applies.

This method should work at any Walmart - as intended by the Bluebird product - but there are many stores in which some or all of the staff and management are suspicious of such transactions and will not do it. Your chances of convincing them to do something they think will risk their jobs is slim to none so if you encounter such resistance, please: Do take no for an answer and leave courteously to try another store or another day.

4. It is apparently possible to load up to $100 (one hundred dollars, not thousand) per day to BB from GC debit cards on the BB site for free. Please note that people have had their BB accounts frozen or shut down for using GCs to load BB online, and that the BB site clearly says that any debit card used must be in the BB account holder's name. You have been warned.

What to do with it:

BB money can be sent, via the BB site, to pay bills that don't normally accept CCs (think rent/mortgage, tuition, insurance, car payment, gas bill, even pay your cc bill) or to anyone in the U.S. for free. Checks sent online this way are delivered within 5 business days. It may be prudent not to use BB to directly pay the CC on which you purchased the VRs/GCs that funded BB, but, once again, YMMV.

Some people would rather use the free physical checks that you can order from BB, which need to be preauthorized by you online. For checks of $2,000 or more, authorization will require additional information and time. You need to provide the information and wait for confirmation before the check will be valid.

The money in your BB account can be withdrawn directly withdraw to a linked bank account, which, if done too much, may be seen as risky by BB, but in moderation should be fine. You can also send money to your bank account online by check, same as any other payee, but this might be risky from the perspective of the bank (not BB) if you bank and have CCs at the same institution.
« Last edited by ShlockDoc on March 06, 2014, 10:45:46 PM »

Author Topic: Bluebird: Now you can pay bills that don`t take credit card with a credit card  (Read 220791 times)

Offline ItzikJones

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Chase and Office Depot are huge multi million dollar companies. Do you really think they would be affected by some people buying $500 gc's enough for corporate to issue a country-wide change in inventory?!

Yeah, why not? I mean, why else would the 500 dollar gift cards suddenly become unavailable at office supply stores? The same way almost every CVS you go into is either out or running out of Vanilla Reloads, the same probably was going on in the office supply stores with the Visa Gift card. I mean, you're getting a great value with the 5x points....it's a shame I didn't know about it until this past month  :(

Offline MEIR613

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My question is, why doesn't everyone (office stores) do what walgreens does and make a "cash only" decoded in the register if they are loosing so much $$$.

Offline Moishebatchy

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My question is, why doesn't everyone (office stores) do what walgreens does and make a "cash only" decoded in the register if they are loosing so much $$$.

Their current register software may not support cash-only items. You have any idea how much it would cost to reprogram tens of thousands of registers around the country?!

Besides, something like this could take months till they get around to it, even if they already decided to do it.

Offline MEIR613

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Their current register software may not support cash-only items. You have any idea how much it would cost to reprogram tens of thousands of registers around the country?!

Besides, something like this could take months till they get around to it, even if they already decided to do it.
How did WG do it so fast?

Offline Moishebatchy

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How did WG do it so fast?

They have a vastly different computer system. Could be theirs had an option built-in, and all they had to do was enable it.

Offline MEIR613

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They have a vastly different computer system. Could be theirs had an option built-in, and all they had to do was enable it.
Is this a random guess or you know this for a fact.

Offline CountValentine

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Is this a random guess or you know this for a fact.
I know for a fact that certain cards at WG's were cash only before the VR's became that way. I know of no such cards that work that way at CVS.
REPOST!!!!!

Offline Moishebatchy

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I know for a fact that certain cards at WG's were cash only before the VR's became that way. I know of no such cards that work that way at CVS.

+1

Online yitzf

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I know for a fact that certain cards at WG's were cash only before the VR's became that way. I know of no such cards that work that way at CVS.

GD MP?

Offline CountValentine

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REPOST!!!!!

Offline 3ZeroT

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GD not sure about MP.

MP at CVS is enforced cash only by registers.  You swipe the CC and it only deducts the amount for other items and that MP balance is still left awaiting payment.

Online jaywhy

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Online yitzf

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Care to elaborate?

Green dot money pack

Online yitzf

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BREAKING NEWS

According to this article, the Federal Reserve has provided informal guidance that all Visa or MasterCard pre-paid cards or gift cards have to have PIN number from April 1, 2013.

This means that soon you won't need to search high and low for VR's  as any Visa gift card will have a pin enabling you to load you bluebird a Wal-Mart.

The regular vanilla visas do not yet have a pin that works however that should hopefully change soon.  Visa and MasterCards  from US  bank reportedly work as a debit card once you register a pin, and people have successfully loaded a bluebird with them. I'm not sure if the ones from US bank are available in $500  denominations.

HT: FT & MMS

This is absolutely a game-changer in more ways than one! !
« Last Edit: April 06, 2013, 10:30:18 PM by yitzf »

Offline Fish Tank

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Is there a fee to load bluebird at walmart with a debit card?