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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-money in your Serve account can be withdrawn directly to a linked bank account, which, if done too much, may be seen as risky by Serve, but in moderation should be fine.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 1385925 times)

Offline kangarruu

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Re: Amex Serve.com
« Reply #400 on: June 02, 2014, 08:44:21 PM »
What's the deal with loading gift debit cards (I used the staples variety) onto serve? It worked fine the first time, but when I tried the 2nd card it wouldn't go through and I got an email asking for verification, ss + drivers license + front of cc + front of debit... is it over for me?

Serve requires that your debit card be issued in your name and verifies it.

Offline wayfe

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Re: Amex Serve.com
« Reply #401 on: June 02, 2014, 08:46:18 PM »
Serve requires that your debit card be issued in your name and verifies it.

So how badly did I mess up? Can I just call up and play dumb?
"I would rather have questions that can't be answered than answers which can't be questioned."
— Richard Feynman

Offline incendia

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Re: Amex Serve.com
« Reply #402 on: June 03, 2014, 12:42:54 AM »
So how badly did I mess up? Can I just call up and play dumb?

Once you should be OK

Offline ari2955

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Re: Amex Serve.com
« Reply #403 on: June 03, 2014, 12:52:07 AM »
To pay a bill that's a little more than $1000 a month, and might as well use money that is sitting in BB.
On second thought, can I load OV to serve as a DC, or would it count as credit?

Use the "Send Money" feature to send $ from BB to Serve.

Offline Azis Papa

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Re: Amex Serve.com
« Reply #404 on: June 03, 2014, 02:12:21 AM »
You can load Serve with OV at WM.
You cannot use OV to load Serve. It will work the first time but after that they will lock your account.
So which is it?  ???

Offline ari2955

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Re: Amex Serve.com
« Reply #405 on: June 03, 2014, 02:32:27 AM »
So which is it?  ???
You CAN use OV to load Serve at WM

You CANNOT use OV to load Serve online.

Offline ranhan429

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Re: Amex Serve.com
« Reply #406 on: June 03, 2014, 08:54:34 AM »
Have you ever heard of a signup bonus/spend threshold? It's an interesting phenomenon occurring several times annually in most DDF'ers lives.

Now he's saying that the load won't accrue points for the load itself, but it can be counted toward the spend threshold. For instance, if you need to reach a $3,000 spend threshold on a certain card in order to obtain the signup bonus - loading $1,000 will count toward that $3,000.

Hope that clears it up :)

And again- IMHO it won't count towards a spending threshold the same way a CA or anyother use of credit that doesnt earn miles wouldn't. Plus I think it's playing with fire to do serve with amex cc. Anyone else who has successfully gotten this to work should feel free to speak up...
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Offline Joe4007

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Re: Amex Serve.com
« Reply #407 on: June 03, 2014, 09:14:12 AM »
And again- IMHO it won't count towards a spending threshold the same way a CA or anyother use of credit that doesnt earn miles wouldn't. Plus I think it's playing with fire to do serve with amex cc. Anyone else who has successfully gotten this to work should feel free to speak up...
Did you follow the discussion? ari2955 has tested this and it worked. Not sure your HO matters here...


Yes, it does.


Exactly what happened

Offline YG

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Re: Amex Serve.com
« Reply #408 on: June 03, 2014, 09:21:30 AM »
Considering closing BB to switch to serve.  Can serve be linked to AP as a checking account the same way BB can?

Offline yitzf

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Re: Amex Serve.com
« Reply #409 on: June 03, 2014, 09:56:09 AM »
Considering closing BB to switch to serve.  Can serve be linked to AP as a checking account the same way BB can?

Absolutely, go to settings>direct deposit.

Offline etech0

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Re: Amex Serve.com
« Reply #410 on: June 03, 2014, 10:12:54 AM »
Considering closing BB to switch to serve.  Can serve be linked to AP as a checking account the same way BB can?
What's the point? To avoid Serve's monthly fee?
Workflowy. You won't know what you're missing until you try it.

Offline kangarruu

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Re: Amex Serve.com
« Reply #411 on: June 03, 2014, 11:32:53 AM »
What's the point? To avoid Serve's monthly fee?

Serve is offering $50 for doing two direct deposits.

Offline etech0

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Re: Amex Serve.com
« Reply #412 on: June 03, 2014, 11:40:38 AM »
Serve is offering $50 for doing two direct deposits.
Really? How do I find that?
Workflowy. You won't know what you're missing until you try it.

Offline YG

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Re: Amex Serve.com
« Reply #413 on: June 03, 2014, 11:46:17 AM »

What's the point? To avoid Serve's monthly fee?

To withdraw money that is received by an AP account into a checking account so it can be used to pay off CC bills. Wife's only checking account atm is BB and that's where her AP balances are withdrawn to.

Offline kangarruu

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Re: Amex Serve.com
« Reply #414 on: June 03, 2014, 01:07:15 PM »
Really? How do I find that?

I got an email from them.

 Enroll in Direct Deposit and enjoy fast access to your money on the morning of your payday. And for a limited time, get a $50 Account credit after two Direct Deposits of $250 or more each are added to your American Express Serve® Account by June 30, 2014.

Direct Deposit is FREE and flexible. You can choose to have all or part of your paycheck or government benefits check automatically added to your Account. Don't wait in line to cash your check again, save time with Direct Deposit so you can focus on things that are most important to you.

Offline Azis Papa

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Re: Amex Serve.com
« Reply #415 on: June 03, 2014, 03:50:03 PM »
I got an email from them.

 Enroll in Direct Deposit and enjoy fast access to your money on the morning of your payday. And for a limited time, get a $50 Account credit after two Direct Deposits of $250 or more each are added to your American Express Serve® Account by June 30, 2014.

Direct Deposit is FREE and flexible. You can choose to have all or part of your paycheck or government benefits check automatically added to your Account. Don't wait in line to cash your check again, save time with Direct Deposit so you can focus on things that are most important to you.
Wow, this is really cool.  So AP withdrawals are seen as direct deposits at Serve?  (I didn't even know that you could do that with BB! :D :-[
And there are no fees?

Offline peace123

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Re: Amex Serve.com
« Reply #416 on: June 05, 2014, 09:58:42 PM »
I signed up for ISIS serve on my phone few days ago and ordered Serve card. Haven't received it yet. I tried loading $500 with credit card on serve online account but showed error message.
Do I have to wait for the Serve card to be able to load with CC?   

Offline ari2955

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Re: Amex Serve.com
« Reply #417 on: June 06, 2014, 12:42:53 AM »
I signed up for ISIS serve on my phone few days ago and ordered Serve card. Haven't received it yet. I tried loading $500 with credit card on serve online account but showed error message.
Do I have to wait for the Serve card to be able to load with CC?
Yup

Offline AnonymousUser

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Re: Amex Serve.com
« Reply #418 on: June 06, 2014, 11:01:34 AM »
I just wanted to put out some things I just discovered. My wife has a CC which is an AU on my CapitalOne Spark Business CC. It has a separate #, and I gave her SS# when I requested it. I was able to successfully link it to her Serve, verify it, and load from it. So apparently AU's will work in this situation.
Additionally, after I verified this CC I switched to a different one, and when I switched back, it did not require verification again. So apparently even if you delete the card, they still store the info in case you add it again.
I think I might have been mistaken about this, since now I'm getting an error. I'll have to call and see.
Yup, turns out I was wrong. L'maskana, any time you link a CC you will need to call to verify, even if it was linked previously and then removed.

Offline ranhan429

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Re: Amex Serve.com
« Reply #419 on: June 07, 2014, 04:44:00 PM »
Do I need to pick up a physical temporary serve card from CVS? Or can i sign up and just wait for the permanent card....?
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