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Bluebird

The basics:

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: As of the beginning of July 2014, you can load a maximum of $2500 a day at a WM register or ATM, up to $5,000 each calendar month into your Bluebird (hereafter: "BB") account. As of September 4, 2014, you can also load an additional $200/day with a debit card, up to $1000/month, though this might be risky, see below, II.4.

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')

How to load it:

"Gift" cards (GCs)
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 BB account in any Walmart, as will be explained below, or to get cash back when purchasing with them. Note that not all GCs work this way. 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. Note that 'Vanilla' brand GCs can no longer  be loaded to BB.

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.
The # for US Bank MC Gift Cards is 1-866-952-5653. 1/2/<16 digit cc>#/<3 digits from back>#/3/PIN#/PIN#.

3. Go to Walmart (WM).

There are two suggested ways to load the GCs to BB at WM. 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 WMs have MoneyPass ATMs, and MoneyPass ATMs at non-WM locations will not work to load BB. You can search for MoneyPass ATMs at WMs here: http://www.moneypass.com/atm-locator.aspx

Some report that MoneyPass ATMs in WMs 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 "WM Money Card" option will work for BB 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 $2,500/day per BB account always applies.

If you are using high-denomination GCs, have found a very quick ATM, had a fellow BBer ahead of you, or are just experienced and able to complete each transaction very quickly, it is possible that you will complete $2,000 of transactions within about 10 minutes, which locks up the ATM for a while. Take a walk around the store and come back to let the machine unlock.

3b. Cashier

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

Ask a cashier to load your BB account from a debit card. If they don't know how, tell them to use 70 action code (they may need to type 70 first, followed by "action code") 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 $2,500/day per BB account applies.

This method should work at any WM - as intended by the BB 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.
You want to stay under the radar as much as possible, so if things start getting complicated, tell them that you just remembered that you need to pick your kid up from school or whatever (have a good excuse ready beforehand) and that you need to leave, but you'll be back later. Th is way they forgot about their suspicions much faster.

4. It is apparently possible to load up to $200 per day to BB from debit cards on the BB web site for free, up to $1000 per month. 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.

Using A MC GC
Frequently a MC is declined at WM

When using the moneypass ATM, press the button ABOVE the BB button.  It may work without the following workaround.
The workaround is to:
1. Swipe MC
2.If you have the black and green screen press Cancel.If you have the white screen with colored touch icons, then right after you swipe a yellow 'change payment' button well pop up for a second, press that (you have to be fast).  You can also push the physical yellow button on the keypad. It does the same thing.
3. Select Debit
4. No Cash Back
5. Enter the PIN

Also seems to work if only $99 loaded.  or 99.99, too.

What to do with the money on your BB:

On the BB site, money can be sent 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. Use the 'pay and transfer tab'.  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. Please note that these checks need to be pre-authorized by you online, and a number written on them, before you give them to the person/institution you are paying. For checks of more than $2,000, 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 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.

Useful organizing techniques:

It can be unwieldy and confusing when standing in front of the WM ATM with a BB card or two and a bunch of GCs, some used, some not. The last thing anyone wants is to end up throwing away several hundred dollars on a perfectly good GC because you mistakenly thought it was drained. I'm sure there are contributors to this thread who have woken up in a cold sweat from just such a nightmare. Plus, being unorganized costs you time, and may make it more likely that some employee thinks you are up to something. Here are a few strategies for how to be organized.

1. Cargo pants, or other clothing/accessories with plenty of different pockets. Use different pockets for GCs yet to use and used GCs.

2. If you have more than one BB card, shuffle them into the stack of GCs at the appropriate spots for how many GCs you plan to load to each card. That way, you can just work through the stack and finish/begin each new BB card in turn.

3. A Sharpie marker works well for marking off GCs or BBs that you're done with. The marks even come off the cards with a little alcohol. Careful not to mark yourself or your clothes though.

4. Sort your GCs in ascending order of last 4 digits.  That makes it easier to keep track of which GCs are used.

To Close Your Bluebird:
While logged into your BB account, open this page: https://secure.bluebird.com/Profile/CloseAccount   

This no longer works and the only way to close your account is to call
For more details, including how to close family accounts, see (FM writeup)
« Last edited by justmeha on January 11, 2020, 11:55:46 PM »

Author Topic: Bluebird: Now you can pay bills that don`t take credit card with a credit card  (Read 2263725 times)

Offline Azis Papa

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did you reach for 5K for the month yet?
This is my first attempt this month.

Offline PBaruch

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During a recent review, we noticed unusual/irregular activity on your Bluebird Account. For your security and protection, your Bluebird Account has been suspended while we conduct further investigation.

 

Please fax or mail a legible copy of the following documents:

 

•       Valid Picture ID:

·         A valid driver’s license card OR

·         A valid state issued ID OR

·         A valid Government ID Card (e.g. Green Card) OR

·         A valid United States Passport

Plus…

 

•       Debit Card -  a copy of the front of the card


Fax or Mail to:

 

                Fax Number:  1-855-586-3256

               

                Mailing Address:

                Account Protection Services
                4315 South 2700 West
                Salt Lake City, Utah 84184

 

Please call us at 1-800-660-2454 if you have any questions or concerns.

 

Thanks,

 

Bluebird

Just got this email from BB.  I sent 3k to my bank account last night.
What do you do after your dreams come true?

Offline ushdadude

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During a recent review, we noticed unusual/irregular activity on your Bluebird Account. For your security and protection, your Bluebird Account has been suspended while we conduct further investigation.

 

Please fax or mail a legible copy of the following documents:

 

•       Valid Picture ID:

·         A valid driver’s license card OR

·         A valid state issued ID OR

·         A valid Government ID Card (e.g. Green Card) OR

·         A valid United States Passport

Plus…

 

•       Debit Card -  a copy of the front of the card


Fax or Mail to:

 

                Fax Number:  1-855-586-3256

               

                Mailing Address:

                Account Protection Services
                4315 South 2700 West
                Salt Lake City, Utah 84184

 

Please call us at 1-800-660-2454 if you have any questions or concerns.

 

Thanks,

 

Bluebird

Just got this email from BB.  I sent 3k to my bank account last night.

Thanks for taking the dive. Now I know never to do that

Offline PBaruch

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Hopefully I will be able to resolve it without them shutting me down.  Problem is, people saying not to pay Chase cc from BB and not to transfer money to bank accounts.  So how the heck am I supposed to pay my Chase cc from BB funds?
« Last Edit: October 09, 2013, 12:49:53 PM by PBaruch »
What do you do after your dreams come true?

Offline @Yehuda

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Hopefully I will be able to resolve it without them shutting me down.
Good Luck!

Offline PBaruch

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I called them to verify that the number was from BB.  They told me to call back 15 minutes after faxing them the documentation.
What do you do after your dreams come true?

Offline PBaruch

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Is it safe to pay Chase cc using a BB check at a Chase Bank branch?
What do you do after your dreams come true?

Offline ushdadude

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Hopefully I will be able to resolve it without them shutting me down.  Problem is, people saying not to pay Chase cc from BB and not to transfer money to bank accounts.  So how the heck am I supposed to pay my Chase cc from BB funds?
I've paid my chase cards w/ bb and haven't had an issue yet

Offline PBaruch

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I've paid my chase cards w/ bb and haven't had an issue yet

Dan said not to do it and some people posted that it causes Chase AA.
What do you do after your dreams come true?

Offline Dan

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I'm not saying it causes A/A.
I'm saying out of an abundance of caution it may be worth avoiding BB/Chase connections.

Just pay off any other credit card bill and you can always get a refund check from the credit card.
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 Dan

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Anyway why do you think they suspended you for the bank transfer and not for the GC upload?
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 PBaruch

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I'm not saying it causes A/A.
I'm saying out of an abundance of caution it may be worth avoiding BB/Chase connections.

Just pay off any other credit card bill and you can always get a refund check from the credit card.

That seems like a pain in the neck but ok.  Has anyone reported getting Chase AA as a result of paying Chase cc from BB?
What do you do after your dreams come true?

Offline PBaruch

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Anyway why do you think they suspended you for the bank transfer and not for the GC upload?

Because I stopped doing the GC upload.  And last night I did the 2 bank transfers - then this happened today.  So I suspect that its because of the 2 large bank transfers.  If the ask me why I transferred so much to my bank I will just say I am waiting for checks from BB and needed the $ to pay bills immediately.
« Last Edit: October 09, 2013, 01:07:32 PM by PBaruch »
What do you do after your dreams come true?

Offline ushdadude

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I'm not saying it causes A/A.
I'm saying out of an abundance of caution it may be worth avoiding BB/Chase connections.

Just pay off any other credit card bill and you can always get a refund check from the credit card.

Do you think this would apply to a mailing in a physical BB check or just online bill pay?

Offline Chapshnell

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Hopefully I will be able to resolve it without them shutting me down.  Problem is, people saying not to pay Chase cc from BB and not to transfer money to bank accounts.  So how the heck am I supposed to pay my Chase cc from BB funds?


Who is "people"? I have sent over $200k in payments from BB to Chase with no issues BH.
Should not be an issue.

Offline Dan

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Because I stopped doing the GC upload.  And last night I did the 2 bank transfers - then this happened today.  So I suspect that its because of the 2 large bank transfers.  If the ask me why I transferred so much to my bank I will just say I am waiting for checks from BB and needed the $ to pay bills immediately.
Just because you stopped doesn't mean you weren't flagged for review and closed because of it.
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 PBaruch

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Just because you stopped doesn't mean you weren't flagged for review and closed because of it.

If they close me out, will they let me transfer the $ I have in the account out?

Also, will they give me a warning first or immediately close me out?
What do you do after your dreams come true?

Offline PBaruch

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I called.  They locked the account because of the prepaid card.  Warning to everyone out there.  Do NOT upload funds from a prepaid card to BB online.  They WILL shut you down.  I played dumb and said I didn't know and apologized and they customer rep has removed the lock. 
What do you do after your dreams come true?

Offline @Yehuda

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I called.  They locked the account because of the prepaid card.  Warning to everyone out there.  Do NOT upload funds from a prepaid card to BB online.  They WILL shut you down.  I played dumb and said I didn't know and apologized and they customer rep has removed the lock.

B/c you uploaded via prepaid?? All of a sudden that's an issue?

Side problem is that with new vanillareloads.com UI it seems that no one's been able to upload a VR to BB successfully yet.

Offline PBaruch

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Yes, they do not allow you to load $ from a prepaid card online.  If you do they will catch on within a few days and close you down.  If you have already done so and they lock you out, play dumb and apologize and say you didn't know and the customer rep should restore your functionality.  In future only load GC onto BB at Walmart ATM.

I was able to load VR onto BB right after midnight today. 
What do you do after your dreams come true?