Topic Wiki

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-money in your Serve account can be withdrawn directly to a linked bank account, which, if done too much, may be seen as risky by Serve, but in moderation should be fine.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 1385720 times)

Offline DMYD

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Re: Amexserve/Softcard
« Reply #2640 on: November 28, 2014, 10:39:36 AM »
When I tried withdrawing money from my bank account or credit card it said Risk declined operation. What can I do?

Offline DMYD

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Re: Amexserve/Softcard
« Reply #2641 on: November 28, 2014, 10:41:40 AM »
Got it read Wiki, but would I get an answer before tomorrow night?

Offline Yaalili

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Re: Amexserve/Softcard
« Reply #2642 on: November 28, 2014, 02:30:30 PM »
When I tried withdrawing money from my bank account or credit card it said Risk declined operation. What can I do?

You can take care of it very fast, by just uploading a picture of your id and cc to your amex serve account.

Offline DMYD

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Re: Amexserve/Softcard
« Reply #2643 on: November 28, 2014, 02:31:26 PM »
You can take care of it very fast, by just uploading a picture of your id and cc to your amex serve account.
Yes did it all good thanks

Offline Geshmak25

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Re: Amexserve/Softcard
« Reply #2644 on: November 28, 2014, 02:32:36 PM »
I just got softcard. Can I add two serve cards from two different accounts onto the same softcard account? Want to get the extra $500 per month for both accounts...
PUTPAC = PITA

Offline Shmulie

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Re: Amexserve/Softcard
« Reply #2645 on: November 28, 2014, 02:38:59 PM »
I just got softcard. Can I add two serve cards from two different accounts onto the same softcard account? Want to get the extra $500 per month for both accounts...
1. you can't have more then 1 serve account on softcard
2. It doesn't work like that you have to sign up for serve through the softcard app

Offline Geshmak25

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Re: Amexserve/Softcard
« Reply #2646 on: November 28, 2014, 02:43:35 PM »
1. you can't have more then 1 serve account on softcard
2. It doesn't work like that you have to sign up for serve through the softcard app

I already have serve. What happens to my existing account?
PUTPAC = PITA

Offline AnonymousUser

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Re: Amexserve/Softcard
« Reply #2647 on: November 29, 2014, 06:37:00 PM »
I already have serve. What happens to my existing account?
Nothing changes. You would have to close and reapply.

Offline mmsscc

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Re: Amexserve/Softcard
« Reply #2648 on: November 29, 2014, 09:56:21 PM »
Does anyone know if I can load the Serve with Chase Ink Plus card as a payment (to meet my minimum spending for the signup bonus)? I wasnt clear if the card still allowed it.

Offline Redbull3

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Re: Amexserve/Softcard
« Reply #2649 on: November 30, 2014, 01:25:13 AM »
Screwed up sbs a bit: I had $30 in serve account and charged $10, $10.01 and $10.02 on it - the last charge seems to have gone through as 9.99 which was all that was left on the account (all 3 charges are "on hold") even though my receipt says 10.02. I also didn't get an email confirmation for this one.
Does anyone know if my serve will overdraw and will I be hit with some kind of fee? Receipt shows 10.02 but serve online is showing 9.99 hold.

Offline coralsnake

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Re: Amexserve/Softcard
« Reply #2650 on: November 30, 2014, 01:41:44 AM »
Screwed up sbs a bit: I had $30 in serve account and charged $10, $10.01 and $10.02 on it - the last charge seems to have gone through as 9.99 which was all that was left on the account (all 3 charges are "on hold") even though my receipt says 10.02. I also didn't get an email confirmation for this one.
Does anyone know if my serve will overdraw and will I be hit with some kind of fee? Receipt shows 10.02 but serve online is showing 9.99 hold.
Did you have a backup funding source?
"Here at DansDeals we don’t do buses." -Dan

Offline Redbull3

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Re: Amexserve/Softcard
« Reply #2651 on: November 30, 2014, 01:42:30 AM »
Don't recall setting one up.. What's the default?

Offline Shmulie

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Re: Amexserve/Softcard
« Reply #2652 on: November 30, 2014, 01:43:09 AM »
Screwed up sbs a bit: I had $30 in serve account and charged $10, $10.01 and $10.02 on it - the last charge seems to have gone through as 9.99 which was all that was left on the account (all 3 charges are "on hold") even though my receipt says 10.02. I also didn't get an email confirmation for this one.
Does anyone know if my serve will overdraw and will I be hit with some kind of fee? Receipt shows 10.02 but serve online is showing 9.99 hold.

maybe try adding money now

Offline Redbull3

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Re: Amexserve/Softcard
« Reply #2653 on: November 30, 2014, 01:46:46 AM »
Added a buck, which will be available 12/4 fwiw

Offline Yaalili

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Re: Amexserve/Softcard
« Reply #2654 on: November 30, 2014, 01:47:43 AM »
Screwed up sbs a bit: I had $30 in serve account and charged $10, $10.01 and $10.02 on it - the last charge seems to have gone through as 9.99 which was all that was left on the account (all 3 charges are "on hold") even though my receipt says 10.02. I also didn't get an email confirmation for this one.
Does anyone know if my serve will overdraw and will I be hit with some kind of fee? Receipt shows 10.02 but serve online is showing 9.99 hold.

Hmm interesting, that is why I loaded $50 on all serve subaccounts just to on the safe side.

Offline Shmulie

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Re: Amexserve/Softcard
« Reply #2655 on: November 30, 2014, 01:49:17 AM »
Added a buck, which will be available 12/4 fwiw

if you PM me your email i'll send you .05
I think thats instant

Offline Redbull3

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Re: Amexserve/Softcard
« Reply #2656 on: November 30, 2014, 01:58:37 AM »

if you PM me your email i'll send you .05
I think thats instant

Pm sent, tzadik

Offline mmsscc

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Re: Amexserve/Softcard
« Reply #2657 on: November 30, 2014, 09:50:57 AM »
Does anyone know if I can load the Serve with Chase Ink Plus card as a payment (to meet my minimum spending for the signup bonus)? I wasnt clear if the card still allowed it.

Anyone know the answer to this?

Offline ranhan429

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Re: Amexserve/Softcard
« Reply #2658 on: November 30, 2014, 09:54:15 AM »
Anyone know the answer to this?
If it is a charge card (I.e. ink BOLD) it will not work because it can't pend as a CA (even though it posts as a charge). From my understanding the ink plus (the credit card version) should be fine. I've been using lots of chase cards with serve just fine.
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Offline AnonymousUser

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Re: Amexserve/Softcard
« Reply #2659 on: November 30, 2014, 10:06:14 AM »
Does anyone know if I can load the Serve with Chase Ink Plus card as a payment (to meet my minimum spending for the signup bonus)? I wasnt clear if the card still allowed it.
I did 1k on 2 accounts this month from IP.