Vanilla Reload (VR)1.
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 that before sign-up.2.
Purchase a Vanilla Reload pack at any location
that sells them. CVS is basically the only location that carries them and allows paying with a CC, although YMMV, even within the same store. Load $500 on the VR, for a total of $503.95 each. They will usually only let you buy 2. Pay by credit card, obviously.
It looks like this:3.
Go to https://www.vanillareload.com,
put in your Bluebird account number and the pin from your reload pack. The money is now in your Bluebird account. You may need to wait 15 minutes after purchase in certain locations for the money to show up. 4.
The money in your Bluebird account can be deposited straight into your bank account (but caveat)
. Alternatively, it can be sent to your CC or as a check to anyone in the U.S. for free. Checks are delivered in 5 business days.5.
You can only load $1000 a day and $5000 each calendar
month into your Bluebird account.6.
Some people avoid the bluebird limit by loading VR onto a permanent MVD and then doing a CA.7.
Finding VR can be very difficult in regions with high DDF'r density.MyVanillaDebit (MVD)Note: There are two uses for MVD which members are practicing.
The first is explained in point 6 above in VR, and consists of loading VR onto existing MVD accounts and then doing a CA. The spending in such a case is from purchase of the VR.
The second is below, and consists of buying multiple MVD cards, where the purpose consists of using the purchase of the MVD itself to meet a spend. 1.
Visit CVS and buy MyVanillaDebit cards. They are black, and in a package:
Load $500 on each, for a total of $503.95 each. They will usually only let you buy 2. Pay by credit card.2.
Register them online.3.
Take to bank, ask for Cash Advance, and then deposit money in your bank account. It costs $1.99 for CA. 4.
Some banks will cap your cash advance if your not their customer. Partial List: Suntrust Bank: $2999/day Citibank $5000/day5.
People report being banned for having too many cards. Someone was stopped at 8, while another person at 13. You might try registering them in different people's names, like your wife, and your brother, and your mother-in-law, and maybe even Dan.Gift cards (GC)
As of April 1st, 2013, Mastercard and Visa GC's will start getting PIN codes that will make the card usable as a debit card. Not all cards have this feature yet and the activation fees are also higher than VR and MVD, so be aware. Once there is a PIN, the GC may be used to load up your Bluebird account in Walmart, or even 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.
American express gift cards are not capable of working with a pin. They can only be used as credit. Fees:
3.95 -- VR/MVD
4.95 --Vanilla GC (OD)
5.95 --$100 GC at Staples/OM
6.95 --$200 GC at Staples/OMOther cards
There are other cards that are similar to VR's and MVD such as NetSpend, but they close your account very quickly (and take their time paying you back minus extra fees) if/when they sense abuse. The OneVanilla card doesn't offer check writing, cash advances or any easy way to cash out.Other ways to add money to your BlueBird A
1. Buy Visa or MC gift cards. The larger the denomination the better. You will pay fees for the GC. 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. Not all GCs work. Those by Metabank do, as do others. Not Amex.
3. Call or go online to add a pin to the card. Now it works as a debit card.
4. Go to Walmart. Load up to $1000 /day using up to 4 ‘debit’ cards per transaction. You may do multiple transactions in one day.
5. No fee will be charged.
6. This can be done at the ‘money center’ (a walmart ATM) or a cashier or at the service desk.
7. Do not use the phrase ‘gift card’! only ‘debit card’.
8. It’s often simpler to add one GC at a time, but more time consuming, especially with people waiting behind you on line, .
9. New! Load $100 per day online from your debit card. The $2 fee is gone, its free now.