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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-money in your Serve account can be withdrawn directly to a linked bank account, which, if done too much, may be seen as risky by Serve, but in moderation should be fine.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 1408283 times)

Offline leaf

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Re: Amexserve/Softcard
« Reply #4180 on: October 21, 2015, 02:53:52 PM »
It means that the store can not load more than $500 per day. Now, either they will not let anyone else load (which would be relatively good), or they do let, and your money goes into a black hole...
Sedge is right that there is no limit per person, so it has no bearing on a different store.
This seems to contradict you:
[quote name="leaf" post=1291426 timestamp=1445453116]

$500 per day PER PERSON or PER STORE?  I.e. do they shut down everyone's loads once the store has loaded a total of $500 for the day, as some have reported?
[/quote]

Per person at each store per day. I have driven to another Family Dollar in the same day and loaded another $500. YMMV

However, at the same store that only let me load $500 in one day, has also on other days depending on who's at the cashier let me load $2,000. It is a store policy but it is not hard coded into the register. It just depends on who is at the register and what type of report you might have with them. At least that is my experience in my area.

Offline yochiek93

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Re: Amexserve/Softcard
« Reply #4181 on: October 21, 2015, 02:59:23 PM »


This seems to contradict you:
Per person at each store per day. I have driven to another Family Dollar in the same day and loaded another $500. YMMV

However, at the same store that only let me load $500 in one day, has also on other days depending on who's at the cashier let me load $2,000. It is a store policy but it is not hard coded into the register. It just depends on who is at the register and what type of report you might have with them. At least that is my experience in my area.

Are you answering your own question I'm confused

Offline Iz

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Re: Amexserve/Softcard
« Reply #4182 on: October 21, 2015, 03:01:02 PM »
This seems to contradict you:
Per person at each store per day. I have driven to another Family Dollar in the same day and loaded another $500. YMMV

However, at the same store that only let me load $500 in one day, has also on other days depending on who's at the cashier let me load $2,000. It is a store policy but it is not hard coded into the register. It just depends on who is at the register and what type of report you might have with them. At least that is my experience in my area.
That's true. I don't know if there is a limit, or how much it is. I just know about the black hole, and some have explained that there is a daily limit to the store.

Offline Iz

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Re: Amexserve/Softcard
« Reply #4183 on: October 21, 2015, 03:02:05 PM »
In any case, I strongly recommend you avoid FD, as I've explained above, page 246.

Offline leaf

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Re: Amexserve/Softcard
« Reply #4184 on: October 21, 2015, 03:11:11 PM »
That's true. I don't know if there is a limit, or how much it is. I just know about the black hole, and some have explained that there is a daily limit to the store.
Maybe it's a store/manager discrepancy thing? Maybe regional? sedge is in SoCal.  Maybe NY-NJ is different?

Offline CS91

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Re: Amexserve/Softcard
« Reply #4185 on: October 21, 2015, 03:33:54 PM »
KATE is completely broken at my Walmart. I can still load the Metabank GCs at a regular cashier, right? Back when I had BB over a year ago, I had to click cancel right after I swiped the GC (or something like that) in order for it to work. Is that still necessary?

Offline kayef

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Re: Amexserve/Softcard
« Reply #4186 on: October 21, 2015, 03:37:48 PM »

KATE is completely broken at my Walmart. I can still load the Metabank GCs at a regular cashier, right? Back when I had BB over a year ago, I had to click cancel right after I swiped the GC (or something like that) in order for it to work. Is that still necessary?
yes, you can load by cashier. No, you don't need to hit anything after you swipe gc.

Offline CS91

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Re: Amexserve/Softcard
« Reply #4187 on: October 21, 2015, 04:19:55 PM »
yes, you can load by cashier. No, you don't need to hit anything after you swipe gc.

Thanks!

Offline joeberg

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Re: Amexserve/Softcard
« Reply #4188 on: October 21, 2015, 05:27:59 PM »
KATE is completely broken at my Walmart. I can still load the Metabank GCs at a regular cashier, right? Back when I had BB over a year ago, I had to click cancel right after I swiped the GC (or something like that) in order for it to work. Is that still necessary?
That's for MC GCs.

Offline CS91

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Re: Amexserve/Softcard
« Reply #4189 on: October 21, 2015, 06:51:24 PM »
That's for MC GCs.

And you still have to do that for MC GCs? Back when I did that, I was using Vanilla Visa GCs.

Offline joeberg

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Re: Amexserve/Softcard
« Reply #4190 on: October 21, 2015, 07:50:25 PM »
And you still have to do that for MC GCs? Back when I did that, I was using Vanilla Visa GCs.
Last time I bought them. July time.

Offline sam i am

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Re: Amexserve/Softcard
« Reply #4191 on: October 21, 2015, 08:22:27 PM »
I have had both products..Green and VIP. I only load GCs at WM and FD. I was unable to load GCs at RA or 711 in SoCal. Neither WM or FD charge a load fee for either product.

I notice no difference in the two products except for the monthly fee. Green=$4.95/mo. Not waived.

VIP=$1/mo. Waived once $500 or more is loaded.

The only issue I ever had loading at Family Dollar was that some cashiers or managers limit the load to $500 a day.

 I have loaded $2,500 each on 3 different cards consecutively with the same cashier at Walmart in one day. 5x $500 on 3 cards.

I max out my $5,000 load limit on 3 different cards each month in two days. $15,000 each month. I have one more card arriving this week which will allow me 20000 each month.

VIP is my preferred product.
Have you ever loaded more than 500 at FD in a single day?

Offline sedge

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Re: Amexserve/Softcard
« Reply #4192 on: October 21, 2015, 11:00:19 PM »
Have you ever loaded more than 500 at FD in a single day?

Yes. I've loaded $2500. Even at a store where the next day they said only $500 then another day, I loaded more than  $500. No rhyme or reason. Just different cashier's or managers.

Offline yochiek93

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Re: Amexserve/Softcard
« Reply #4193 on: October 21, 2015, 11:01:15 PM »
Yes. I've loaded $2500. Even at a store where the next day they said only $500 then another day, I loaded more than  $500. No rhyme or reason. Just different cashier's or managers.
So what's this whole thing on the "black hole"

Offline sedge

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Re: Amexserve/Softcard
« Reply #4194 on: October 21, 2015, 11:16:24 PM »
So what's this whole thing on the "black hole"

Knock on wood, I have not experienced it. But I have one forum friend who has. It was rectified after a few days.

I just make sure the FD cashier scans the correct card and am slow and careful in the transaction.

Offline coralsnake

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Re: Amexserve/Softcard
« Reply #4195 on: October 21, 2015, 11:18:12 PM »
Knock on wood, I have not experienced it. But I have one forum friend who has. It was rectified after a few days.

I just make sure the FD cashier scans the correct card and am slow and careful in the transaction.
Must be a CA thing. Black holes very prevalent at FD on the East Coast.
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Offline yochiek93

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Re: Amexserve/Softcard
« Reply #4196 on: October 21, 2015, 11:27:59 PM »
Must be a CA thing. Black holes very prevalent at FD on the East Coast.
So your opinion, stay away from FD?

Offline lunatic

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Re: Amexserve/Softcard
« Reply #4197 on: October 21, 2015, 11:30:39 PM »
So your opinion, stay away from FD?
If you do it,  read alot first (giyf)  to make sure you know what you are doing

Offline yochiek93

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Re: Amexserve/Softcard
« Reply #4198 on: October 21, 2015, 11:31:30 PM »
If you do it,  read alot first (giyf)  to make sure you know what you are doing
Got it, thanx!!

Offline David Smith

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Re: Amexserve/Softcard
« Reply #4199 on: October 21, 2015, 11:34:57 PM »
If you do it,  read alot first (giyf)  to make sure you know what you are doing
There is a procedure to swiping the card again to get the money refunded to it if the transaction fails, being as the money is debited from the card even in an unsuccessful load. Someone please link to where this is discussed in detail on this thread.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
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