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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-money in your Serve account can be withdrawn directly to a linked bank account, which, if done too much, may be seen as risky by Serve, but in moderation should be fine.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 1385685 times)

Offline ariIs

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Re: Amex Serve.com
« Reply #440 on: June 13, 2014, 05:49:28 PM »
You cannot link a card for which you are not the primary cardholder. It might work once or twice, but then you will get an error and have to call in. When you call, they put you on hold and call the bank to verify it. Sometimes they conference you with them.
One thing i have found is that you can add an Capital One biz AU card which has a different #,  and they will verify it. Just don't say it's an AU. I don't know if it will work with biz cards from other banks.

In my case the serve acct and the card are in the same name.
However it's a biz card.
Haven't gotten the time to call them, probably won't till next week.

Offline Super Speed

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Re: Amex Serve.com
« Reply #441 on: June 13, 2014, 06:43:57 PM »

You cannot link a card for which you are not the primary cardholder.
-1 I added a card that I was an AU on got the error called in, they couldn't verify with the bank as I'm not the primary so they asked me to take a pic of my license and the CC and upload it. I did as told and was able to continuously load without any issues.

Offline Sfuzzi

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Re: Amex Serve.com
« Reply #442 on: June 13, 2014, 08:03:01 PM »
I loaded 3 vgc at wm. logged on at home and was charged 3.95 reload fee on each transaction. My receipt shows fee of 0.  I have done this many times before and this is a first.

Offline kangarruu

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Re: Amex Serve.com
« Reply #443 on: June 14, 2014, 12:04:18 AM »
I loaded 3 vgc at wm. logged on at home and was charged 3.95 reload fee on each transaction. My receipt shows fee of 0.  I have done this many times before and this is a first.

According to FT, this is a temporary issue that Serve is working on. Just call in to get the $3.95 refunded.

Offline rng

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Re: Amex Serve.com
« Reply #444 on: June 16, 2014, 03:53:08 PM »
Can the mayvens tell me if this will work?
I plan on going to staples or getting online with staples 5 visa gc's for a total of 1k.
signup with visa savings edge.
Then go to wm and load 1k on to bb account
attach bb as checking acct for ap
send 1k as payment with ap
Will that work?
I want to try with 1k and go from there I have enver done this before, is that a bad idea or i should go for the home run and get like 5 k worth or take it slow?
Thanks much appreciated

Offline rng

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Re: Amex Serve.com
« Reply #445 on: June 16, 2014, 04:40:18 PM »
Can the mayvens tell me if this will work?
I plan on going to staples or getting online with staples 5 visa gc's for a total of 1k.
signup with visa savings edge.
Then go to wm and load 1k on to bb account
attach bb as checking acct for ap
send 1k as payment with ap
Will that work?
I want to try with 1k and go from there I have enver done this before, is that a bad idea or i should go for the home run and get like 5 k worth or take it slow?
Thanks much appreciated

Offline etech0

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Re: Amex Serve.com
« Reply #446 on: June 16, 2014, 04:41:20 PM »
Try and find out.
Why do you need AP to cash out BB? Just write yourself / spouse a check!
If writing yourself a check, deposit it into a bank where you don't have any credit cards. Just in case.
Workflowy. You won't know what you're missing until you try it.

Offline rng

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Re: Amex Serve.com
« Reply #447 on: June 16, 2014, 04:43:22 PM »
Try and find out.
Why do you need AP to cash out BB? Just write yourself / spouse a check!
If writing yourself a check, deposit it into a bank where you don't have any credit cards. Just in case.
for that do i have to order checks from bb?
What about buying 1k in gc from staples and then paying that with ap, that way i cut out the whole wm trip and bb hassle.

Offline etech0

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Re: Amex Serve.com
« Reply #448 on: June 16, 2014, 04:45:02 PM »
for that do i have to order checks from bb? yes. they used to be free, i dont know if they still are
What about buying 1k in gc from staples and then paying that with ap, that way i cut out the whole wm trip and bb hassle.good idea. you'll be limited to $1k a month though (AP restriction)
Workflowy. You won't know what you're missing until you try it.

Offline rng

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Re: Amex Serve.com
« Reply #449 on: June 16, 2014, 04:45:50 PM »

if i decide to do that what do i put as billing address?

Offline etech0

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Re: Amex Serve.com
« Reply #450 on: June 16, 2014, 04:47:10 PM »
if i decide to do that what do i put as billing address?
ich veis nisht. anyone?
Workflowy. You won't know what you're missing until you try it.

Offline rng

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Re: Amex Serve.com
« Reply #451 on: June 16, 2014, 04:47:17 PM »

the gas going 5 times a month to wm 15-20 miles each way and then the time to load the bb and on to of that the  visa gc fees im not sure how worth it it is what do you think?

Offline etech0

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Re: Amex Serve.com
« Reply #452 on: June 16, 2014, 04:48:59 PM »
the gas going 5 times a month to wm 15-20 miles each way and then the time to load the bb and on to of that the  visa gc fees im not sure how worth it it is what do you think?
Your call. Or do less than 5x a month... that's what I do even with WM 10 minutes away :).
With AP you're limited to $1k a month, so you can do $1k of that, and some BB, maybe some Serve (if you have a spouse). A lot of this game is trial and error, seeing what works for you, your schedule, and your budget.
Workflowy. You won't know what you're missing until you try it.

Offline rng

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Re: Amex Serve.com
« Reply #453 on: June 16, 2014, 05:01:10 PM »
Your call. Or do less than 5x a month... that's what I do even with WM 10 minutes away :).
With AP you're limited to $1k a month, so you can do $1k of that, and some BB, maybe some Serve (if you have a spouse). A lot of this game is trial and error, seeing what works for you, your schedule, and your budget.
Will wal mart ask for id for amex serve? i have a bb and she just got a serve but she cant go

Offline rng

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Re: Amex Serve.com
« Reply #454 on: June 16, 2014, 05:07:51 PM »
Will wal mart ask for id for amex serve? i have a bb and she just got a serve but she cant go
In essence what I am asking is, can i go to wm with my wifes serve and load it without her being there?

Offline lfas25

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Re: Amex Serve.com
« Reply #455 on: June 16, 2014, 06:45:14 PM »
FYI Amex must have updated their system, as I closed a bluebird today as the rep said he closed it I verified it by logging in online. I then immediately applied for the serve online and it went through!
I only paid 15% by switching to dansdeals

Offline Super Speed

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Re: Amex Serve.com
« Reply #456 on: June 16, 2014, 06:48:13 PM »
FYI Amex must have updated their system, as I closed a bluebird today as the rep said he closed it I verified it by logging in online. I then immediately applied for the serve online and it went through!
Maybe just your luck?


Offline lfas25

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Re: Amex Serve.com
« Reply #457 on: June 16, 2014, 10:09:05 PM »
Maybe just your luck?

My luck at Walmart stopped lol
I only paid 15% by switching to dansdeals

Offline yitzf

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Re: Amex Serve.com
« Reply #458 on: June 17, 2014, 02:06:01 AM »
In essence what I am asking is, can i go to wm with my wifes serve and load it without her being there?

No guarantees but it's almost never a problem (although there have been some cases where they asked for ID).

Offline yitzf

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Re: Amex Serve.com
« Reply #459 on: June 17, 2014, 02:07:25 AM »
if i decide to do that what do i put as billing address?

You don't have to register the card, just put the billing address from you AP account.