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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-money in your Serve account can be withdrawn directly to a linked bank account, which, if done too much, may be seen as risky by Serve, but in moderation should be fine.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 1385934 times)

Offline lunatic

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Re: Amex Serve.com
« Reply #1300 on: September 04, 2014, 12:09:17 AM »
Sorry if this has been discussed.. didn't see it on the wiki, and couldn't read 87 pages.

Made the switch today from BB. My wife still has BB. Thinking about keeping 1 BB for the check writing feature, but would prefer a second serve to get more free cc loading.

How are people paying chase CC without the check writing feature? Transfer to bank account (non-chase)? ATM w/d? I would imagine that the same concern of paying chase from BB would exist for Serve

Offline yudamaan

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Re: Amex Serve.com
« Reply #1301 on: September 04, 2014, 12:10:12 AM »
I just tried applying for a serve account and received this message
Your Account is being reviewed.
We're still processing your application. Please check your email for an update. Anyone get this before?

Offline etech0

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Re: Amex Serve.com
« Reply #1302 on: September 04, 2014, 01:01:00 AM »
Sorry if this has been discussed.. didn't see it on the wiki, and couldn't read 87 pages.

Made the switch today from BB. My wife still has BB. Thinking about keeping 1 BB for the check writing feature, but would prefer a second serve to get more free cc loading.

How are people paying chase CC without the check writing feature? Transfer to bank account (non-chase)? ATM w/d? I would imagine that the same concern of paying chase from BB would exist for Serve
Use their bill pay feature and send a check to your wife. To be safe don't deposit at chase.
Workflowy. You won't know what you're missing until you try it.

Offline ChaimMoskowitz

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Re: Amex Serve.com
« Reply #1303 on: September 04, 2014, 01:12:13 AM »
I just tried applying for a serve account and received this message
Your Account is being reviewed.
We're still processing your application. Please check your email for an update. Anyone get this before?
Call them because the email may never come.
I just found a new supply of forks!

Offline D93

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Re: Amex Serve.com
« Reply #1304 on: September 04, 2014, 02:24:04 AM »
I just tried applying for a serve account and received this message
Your Account is being reviewed.
We're still processing your application. Please check your email for an update. Anyone get this before?
Yes. Call them. They probably just want your licence

Offline lunatic

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Re: Amex Serve.com
« Reply #1305 on: September 04, 2014, 07:02:48 AM »
Use their bill pay feature and send a check to your wife. To be safe don't deposit at chase.
Between waiting for the check, getting to the bank and waiting for it to clear, that could be two weeks....

Offline D93

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Re: Amex Serve.com
« Reply #1306 on: September 04, 2014, 07:06:04 AM »
Between waiting for the check, getting to the bank and waiting for it to clear, that could be two weeks....
IME the check arrives with in 3-4 days and it clears overnight in most banks (I use wells Fargo). Only chase puts a long hold on it.

Offline lunatic

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Re: Amex Serve.com
« Reply #1307 on: September 04, 2014, 07:08:42 AM »
IME the check arrives with in 3-4 days and it clears overnight in most banks (I use wells Fargo). Only chase puts a long hold on it.
That sounds doable, as long as capital one 360 accepts the deposit in my app (bb checks don't work)

Offline D93

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Re: Amex Serve.com
« Reply #1308 on: September 04, 2014, 07:10:16 AM »
That sounds doable, as long as capital one 360 accepts the deposit in my app (bb checks don't work)
the bb/serve checks come from US Bank if I remember correctly. So it should deposit regularly on the capital one 360 app

Offline etech0

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Re: Amex Serve.com
« Reply #1309 on: September 04, 2014, 09:17:40 AM »
Between waiting for the check, getting to the bank and waiting for it to clear, that could be two weeks....
Try it once and find out!
You can also use "send money" to send it to a BB account, and then write a check to yourself/spouse/whoever
Workflowy. You won't know what you're missing until you try it.

Offline lunatic

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Re: Amex Serve.com
« Reply #1310 on: September 04, 2014, 09:19:28 AM »
Try it once and find out!
You can also use "send money" to send it to a BB account, and then write a check to yourself/spouse/whoever
I know. Debating to switch both of us to serve

Offline etech0

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Re: Amex Serve.com
« Reply #1311 on: September 04, 2014, 09:22:15 AM »
I know. Debating to switch both of us to serve
Then you lose the check writing. When I signed my spouse for serve (I have BB) I was worried how I'd manage without BB checks, and I haven't looked back. Bill Pay is much easier than writing a check. Plus it feels safer depositing it into my bank account because it's not from me, but from spouse. (I don't deposit it into the account that we're joint holders on).
Workflowy. You won't know what you're missing until you try it.

Offline lunatic

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Re: Amex Serve.com
« Reply #1312 on: September 04, 2014, 09:24:02 AM »
Then you lose the check writing. When I signed my spouse for serve (I have BB) I was worried how I'd manage without BB checks, and I haven't looked back. Bill Pay is much easier than writing a check. Plus it feels safer depositing it into my bank account because it's not from me, but from spouse. (I don't deposit it into the account that we're joint holders on).
Correct... If I keep bb for her,  I can transfer from serve to bb and then write a check

Offline etech0

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Re: Amex Serve.com
« Reply #1313 on: September 04, 2014, 10:16:44 AM »
I'd still suggest trying out Bill Pay to yourself/spouse and seeing for yourself how easy it is.
Workflowy. You won't know what you're missing until you try it.

Offline yudamaan

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Re: Amex Serve.com
« Reply #1314 on: September 04, 2014, 01:12:43 PM »
Call them because the email may never come.
Yes. Call them. They probably just want your licence
Thanks just called, they wanted to verify my id

Offline yudamaan

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Re: Amex Serve.com
« Reply #1315 on: September 04, 2014, 01:22:31 PM »
I'd still suggest trying out Bill Pay to yourself/spouse and seeing for yourself how easy it is.
if I deposit from  my serve account into a non chase bank, is it safer if that bank account is under my spouse's name, or is there no difference?

Offline etech0

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Re: Amex Serve.com
« Reply #1316 on: September 04, 2014, 01:27:00 PM »
if I deposit from  my serve account into a non chase bank, is it safer if that bank account is under my spouse's name, or is there no difference?
I don't know about depositing from serve. But if you use Bill Pay, you can have serve mail a check to your spouse and then you deposit it into an account under that name.
Workflowy. You won't know what you're missing until you try it.

Offline yudamaan

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Re: Amex Serve.com
« Reply #1317 on: September 04, 2014, 01:40:34 PM »
I don't know about depositing from serve. But if you use Bill Pay, you can have serve mail a check to your spouse and then you deposit it into an account under that name.
is it a problem for my spouse to pay my cc bill, she is only a au, and usually my card is the one that's being used

Offline Shmulie

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Re: Amex Serve.com
« Reply #1318 on: September 04, 2014, 01:45:14 PM »
Between waiting for the check, getting to the bank and waiting for it to clear, that could be two weeks....
Why not just withdraw the funds directly from serve into your account

Offline lunatic

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Re: Amex Serve.com
« Reply #1319 on: September 04, 2014, 01:49:18 PM »
Why not just withdraw the funds directly from serve into your account
People on the bb thread say it is better not to.... Do you have more definitive info