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Open Serve: Do 1 of the following:
1) Buy a temporary card. (free in cvs in NJ won’t take cc)($3.95 fee), or
2) Open online. They’ll send you a card. (free)
Note that you COULD have more than one of these: Bluebird (BB), Redcard and serve. 

Loading Serve: Serve does not have any fees to load money.
a) At CVS, 7-11, and Rite Aid ONLY CASH can be loaded.
b) At Walmart GCs …uh Debit Cards (besides Vanilla cards) can be loaded onto Serve just like onto BB. Load limit: $2500/day up to $5000/month
c) At Family Dollar max $499.99/Day, not hard coded, YMMV, Cash or Debit/Gift Card.
WARNING: There are reports of debit cards being drained at FD, and not loading onto Serve, so FD is not recommended.
d) An Amex CC of the serve cardholder can be linked and used to fund your Serve ONLINE. Load limit: $200 per day/$1000 per month
Amex cc loads are not considered cash advance. They DO NOT earn points, or count towards a spending threshold.
e) Debit Cards linked to Serve: $200/day up to 1000/month ONLINE.  But only a permanent DC with your name on it. (NOT GCs)

So your total loading limit per month, if using all 3 methods is $7K.

-Serve has a $1 monthly inactivity fee (waived in VA, NY and TX) that is waived if you use Direct Deposit OR add $500.
-If Serve has a bonus for using direct deposit, use AP.

Using the funds on Serve:
-Free ATM use/withdrawal at MoneyPass ATMs. $2 elsewhere.
-Serve has a Bill Pay feature – same as BB.  You tell them who to pay, and they send a check for you.  You can pay up to 5k of unregistered billers, but 10K of registered ones (registered= those on their bill pay list). Pay your Credit Cards bills as well as many other bills or any person!
WARNING: Do not use the bill pay feature to pay the Credit Card that is linked for online loads.
-money in your Serve account can be withdrawn directly to a linked bank account, which, if done too much, may be seen as risky by Serve, but in moderation should be fine.
Withdraw to your bank https://secure.serve.com/Actions/WithdrawMoney

Make sure the name, address and phone number on your profile match your credit card billing address, or you may get declined.  When linking your credit card at serve.com, the website will only show you the address on your profile, but not the phone number, so this is easy to overlook.  Go to profile, and check/update your phone number there.

Error likely with the Serve account:
When you create a new account and add a credit card, you will be allowed to do the first transaction. After that, your account will probably go into system lockdown until you verify some information. Likely error message for this case is "Risk declined operation" when you try to add money on to the account. You will need to send in (online, fax or mail) a photo ID and a copy of your credit card or statement. Upload your documents here -
https://secure.serve.com/User/SecureFileUpload. Then Call up AMEX Account Protection Services at 1-800-555-4318 and tell them you uploaded the documents and ask them to verify it for you.
« Last edited by Iz on August 18, 2016, 10:36:02 AM »

Author Topic: Amexserve/Softcard  (Read 626261 times)

Offline txtmax4

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Re: Amex Serve.com
« Reply #15 on: March 28, 2011, 07:43:17 PM »
Yup, it seems you can, methinks I'm going to try it one of these days.
Please let us know about fees, if any.
How about funding with cc and cashing out through someone else's account?
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Offline ceejay

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Re: Amex Serve.com
« Reply #16 on: March 28, 2011, 08:27:40 PM »
From their website "Putting money into a Serve account: 2.9% + 30c/per load, discounted to 0% for cash, debit and ACH."

I'm not sure how they're gonna enforce debit only though.

Offline Dan

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Re: Amex Serve.com
« Reply #17 on: March 28, 2011, 08:43:57 PM »
From their website "Putting money into a Serve account: 2.9% + 30c/per load, discounted to 0% for cash, debit and ACH."

I'm not sure how they're gonna enforce debit only though.
Either way even credit is waived until 09/01/11
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline ceejay

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Re: Amex Serve.com
« Reply #18 on: March 28, 2011, 08:51:18 PM »
Either way even credit is waived until 09/01/11

I'm not sure but here's the whole quote:"There are only two fees for consumers and we are waiving the fee to put money into the Serve account for the next six (6) months. The two fees are:    Putting money into a Serve account: 2.9% + 30c/per load, discounted to 0% for cash, debit and ACH. "

Your right. Wasn't so clear from press release.

Funding Fee - Loading funds into your Account (does not apply to Sub-Accounts)
2.9% of the load amount plus $0.30 per transaction (special promotion – fee waived).
If funds are loaded via ACH or debit, the following discount applies: Funding fee is waived.

Its funny, it actually states in the T&Cs  that "Unless you are a resident of either New York, Arkansas or Vermont...., we will impose the fees...."
« Last Edit: March 28, 2011, 09:22:07 PM by ceejay »

Offline elig770

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Re: Amex Serve.com
« Reply #19 on: March 29, 2011, 03:11:11 AM »
Can I use this to for my Citi AAdvantage card spending threshold? From what I understand I'd be paying under $50 for 75k miles...

Offline AsherO

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Re: Amex Serve.com
« Reply #20 on: March 29, 2011, 04:08:31 AM »
Can I use this to for my Citi AAdvantage card spending threshold? From what I understand I'd be paying under $50 for 75k miles...

$50? This is fee free (until September).
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Offline elig770

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Re: Amex Serve.com
« Reply #21 on: March 29, 2011, 05:59:18 AM »
$50? This is fee free (until September).
O wow that's great. I thought it was just free for debit cards... Aside from the press release, where can I find more info? The website doesn't seem to say much about fees or promotions.
« Last Edit: March 29, 2011, 06:03:36 AM by elig770 »

Offline aussiebochur

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Re: Amex Serve.com
« Reply #22 on: March 29, 2011, 01:22:47 PM »
O wow that's great. I thought it was just free for debit cards... Aside from the press release, where can I find more info? The website doesn't seem to say much about fees or promotions.
Sign up and use it. When funding account itll tell you "no fees".

Offline txtmax4

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Re: Amex Serve.com
« Reply #23 on: March 29, 2011, 01:26:09 PM »
"Virtual mint" or not?
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Offline AsherO

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Re: Amex Serve.com
« Reply #24 on: March 29, 2011, 01:33:51 PM »
nullVirtual mintnull or not?

F/R risk for Amex cards. For non-Amex cards abuse it and they might shut you down.
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Offline yitzf

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Re: Amex Serve.com
« Reply #25 on: March 29, 2011, 01:51:22 PM »
-what are the limits to fund with a CC? w/o verification the limit is $500. Amazon payment limits is to 1000.

-also if debit is always free then looks like we could mint miles with a mileage debit card.

-see attachment for fees and for statement that NY, Arkansas and Vermont the fees dont apply(incl. AMT fee)

-no need to transfer to another account to mint miles, the card can be used as an ATM card and the first withdrawal per month is free, after that $2(excl. NY)

Offline Bp

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Re: Amex Serve.com
« Reply #26 on: March 29, 2011, 02:06:12 PM »
-what are the limits to fund with a CC? w/o verification the limit is $500. Amazon payment limits is to 1000.

-also if debit is always free then looks like we could mint miles with a mileage debit card.

-see attachment for fees and for statement that NY, Arkansas and Vermont the fees dont apply(incl. AMT fee)

-no need to transfer to another account to mint miles, the card can be used as an ATM card and the first withdrawal per month is free, after that $2(excl. NY)

You can try with a Debit card, but most likely it will show as a debit charge not credit so you wont get miles,

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Re: Amex Serve.com
« Reply #27 on: March 29, 2011, 02:17:40 PM »
Is there a maximum for payments on serve?
KTH

Offline AsherO

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Re: Amex Serve.com
« Reply #28 on: March 29, 2011, 02:20:20 PM »
Is there a maximum for payments on serve?

Yes there is. $1k daily, $2.5k monthly. That's if you add two out of the following three:
  • Last 4 of SSN
  • Linked bank acct.
  • Linked CC acct.

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Offline txtmax4

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Re: Amex Serve.com
« Reply #29 on: March 29, 2011, 02:29:05 PM »
Yes there is. $1k daily, $2.5k monthly. That's if you add two out of the following three:
  • Last 4 of SSN
  • Linked bank acct.
  • Linked CC acct.


Not the "virtual mint" I was looking for... 2.500 miles/points monthly very shvach...
Dissapointed :(
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