Bluebird Prepaid Card
- ACTIVATION FEE None
- MONTHLY FEE None
- SIGNATURE TRANSACTION FEE Free
- PIN TRANSACTION FEE Free
- ATM TRANSACTION FEE $2.5
Bluebird Prepaid Card’s Highlights
- You can withdraw cash at any ATM that accepts American Express® Cards, including the MoneyPass® Network of more than 24,000 ATMs, and Money Center Express machines at Walmart.
- No foreign exchange fee.
- Members can make Direct Deposits, pay bills online, add checks with the Bluebird Mobile App, and set up Sub-Accounts — a great new way to manage family spending.
- Purchase Protection can provide coverage against accidental damage or theft of eligible items for 90 days from date of purchase, up to $1,000 per occurrence, up to $50,000 per Cardmember account per calendar year.
- 24 hours a day, 7 days a week world-class American Express Customer Service.
Bluebird Prepaid Card’s's Additional Info
- LIVE CUSTOMER SUPPORT Free
- AUTOMATED CUSTOMER SUPPORT Free
- RELOAD OPTIONS Direct Deposit, Cash Reload, Bank Transfer, Check Reload
- CANCELLATION FEE Free
- INACTIVITY FEE None
Bluebird Prepaid Card Reviews
Registration on the BB website was a breeze as was setting up instant transfer of funds from my bank checking through either the desktop or Android app. It's also equally easy and very convenient to send $ to a friend's BB card, and all with no transaction fees. Take that, Green Dot and NetSpend!
My single complaint for my limited uses is that there don't appear to be many MoneyPass ATMs outside of Walmarts in the area, and they rarely seem to be in working order, and according to staff at one store "It's never working", but to give credit, that particular one WAS working for the first time in weeks or even months on my last visit. When withdrawing funds at Non-MoneyPass Atms, the fees are obnoxiously high, but that's no different than with other cards when going off-network. My limited dealings with heavily accented customer service have been adequate but I've only had questions and no complications to solve. People should take note that a prepaid card is essentially a debit card and as such does not offer the same protections as a credit card. Losing or having your card stolen is like dropping cash on the ground. As with someone using your debit card, your money is gone and the bank can investigate for an extended time before (or without) ever compensating you for your loss - and I'm not sure why they should except where either they've been notified that the card should be cancelled and their failure to promptly do so results in additional charges, or their systems get hacked,
For my purposes, it's a great card. Maybe not so much if it's your only banking option.… more
All this change when we went to Europe with my wife to visit our son, my wallet was stolen with my drivers licenses among several cards, one of them was the American Express Bluebird Card. When I realized that me wallet was gone, I went to the local police within 2 hours and reported it, I also call and cancel all my cards.
Someone use the bluebird card and withdraw 500 euro $592.65 dollars also try to use it in several other places but was unable to withdraw any more money. They also made some charges on my other cards and file a dispute with them got a provisional credit with in 2 days. American express ask me to sign a declaration agreement and upload that with 10 days in order to get a provision credit until the investigate my claim that take about 45 days.
Two days later I sign and uploaded the form, 4 hours later i got an email sating that my claim was denied here is the email “Recently you inquired about your charge(s) from your American Express Prepaid Card in the total amount of $592.65. Based upon our investigation we have determined that no error occurred and that transaction in question was authorized. Therefore this transaction is not eligible for credit to your Account.
You have the right to review any documents we may have relied upon in making our determination. You may request this information by contacting us at 1-800-555-4318. We are open 7 days a week, 24 hours per day to service you.”
Then 5 minutes later I got another email from them that my account is close. “During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section:
Due to the violation, your Account has been closed.
If you have any questions, please call Account Protection Services at 1-800-660-2454.”
We had a balance on our account about 400+ dollars, I call them and told them we 5,500 miles away from home with NO MONEY and to allow me to get the 400 dollars out. The answer was we sending you a check at the address we have on file, that in Ohio in the meantime I’m in Europe. I request to speak with a supervisor WAST OF TIME he told me we are reviewing the account and we get back to you with 48 hours. I ask how can you investigate a dispute in 4 hours NO ANSWER.
I call again and again and they keep telling me they are looking into this, in the meantime they send me a replacement card via UPS next day AIR in Ohio with the account CLOSED and still waiting for the balance that was in my account.
I had no other choice but to contact the Social Security Administration my disability payments are protected by law. There are trying to get my money back including the unauthorized transection. THIS HAS BEEN A NIGHTMARE DO NOT USE THIS CARD, THE FEES ARE LOW BUT THIS COMPANY IS A SCAM. SHAME ON THEM. THANK GOT WE HAD OUR SON TO HELP US.… more
Okay, you get a flimsy pretend-looking card in the box that you can load at a Walmart checkout. And, surprise surprise, it works like any other card for point of sale transactions. That's pretty much where the "goodness" ends.
After that, they send you a "real" card that you have to spend time setting up and confirming and all that goes with setting up an account. So, it begins to lose it's "minimal effort" selling point pretty fast to reap any of the other functions of the card (like adding funds while NOT at walmart).
Then, expect your account to be suddenly "flagged" without being told anything or with no one calling you. You then have to call in, provide copies of the front AND backs of cards that you use to fund the account, and go through other time consuming and painful measures, just to ADD money to the card.
Is it worth it? I didn't think so, and even though I have to pay a fee when withdrawing money at non-bank ATMs, I went back to a bank just because I'm not going to let a "free" card seize up my money. It's ridiculous . . . especially requiring me to PHOTOCOPY my funding sources to send in??? Sounds like an overseas internet scam more than a bank.
Oh, and there's no obvious way to reach these people in writing. It's always going to take time on the phone. Another ridiculous thing in 2015.… more
Over-all, I highly recommend Bluebird to anyone who would prefer not to use a bank. :)… more
Pros: Great features, easy access online(and a well working app for Samsung galaxy s4). The sub-account feature is nice, as well as the bill pay option.
Cons: A lot of vendors no longer take American express, It was always embarrassing to get to a checkout lane and then realize they didn't accept american express. Always be conscious of what credit cards they accept. I would always forget to check and if I would have only remembered I would have saved myself a few embarrassing trips to checkout lanes. Fees at some ATMS(You have to scout out the ones that don't have fees), and if you lose your card, or forget your passcode online you're in trouble. The customer support is really quite a nuisance. If you get overcharged for something, it takes three days or more to go back on your card. You can also, only withdrawal a certain amount per 24 hours. So when it came time to pay our rent, we had to make multiple ATM withdrawals, which really would have cost the same as ordering checks(there is a fee for that too). If your atm machine that doesn't have a fee is down or broken, those multiple atm fees rack up a bit.
I was very happy with this card, and could work around other vendors not accepting American Express.(Just withdrawal some money to keep as cash on hand) We lost our card a few months ago and customer service was terrible. If we had gone with a local bank we could have just gone over there and had it replaced but with bluebird takes up to a week to get a replacement.
Just last night my husband forgot the passcode to access the account online.(I'm usually the one that accesses it), and he got locked out of the account. He never even made it to the secret question. They not only locked the whole account, but refused to accept his direct deposit. That left us in a world of trouble, because it takes bluebird 3 days to send money back. We were already down to change, you know how it is when you live paycheck to paycheck. Luckily, his company is awesome and drove 2 hours from headquarters to give us a check. We decided this was the last straw and made a real account with a local bank. Sure there are fees associated with most major bank checking accounts, but if it would save us the issue of having to deal with all these little flaws, then it's worth it.
The password problems, and the lost card issue were undoubtedly our fault, so I gave them a couple of stars and deducted two for their lack of care customer support. As far as quick prepaid cards go, this one is the best one we've ever had. So I'll give them credit for that. The VISA cards continued to deduct a monthly fee years after we had stopped using it. I found one in my wallet and checked it and it said -14 dollars. If you plan on using it for paying bills, and depositing large checks, it's not worth it, go with a real local bank, not a prepaid. Though, for the longest time, we had no issues with them, and could just work around the flaws. It would be a great card for kids or teenagers, you can view their purchases easily and add money to their sub accounts from your main account. The extra account does not cost anything extra.… more
My daughter signed up for this and had direct deposit set up. Limited options for ATMs is an issue for cash withdrawals. Customer service is a joke. Options to get replacement card after hers was lost were ridiculous. Tried to go that route 3 times. Were told it would take a week. Didn't receive first one until almost 3 weeks had passed. Oops. By then she'd already requested a new one. Oops again. The only replacement card to arrive in 3 separate attempts was deactivated and not possible to activate once received because another had been requested. Eventually she opted to pull money out via Western Union but wasn't informed there was a limit on the amount of each transaction - $450 - are you kidding me?? If you have direct deposit and your whole check goes in, you'll have to make a lot of trips back and forth to Western Union. Apparently they don't have this set up to automatically transfer once a request to withdraw all funds is initiated. American Express and Walmart need to get their act together - this is preying upon those least able to speak for themselves.… more
CANT EVEN USE MY REMAINING BALANCE BECAUASE IT COSTS 2$ TO USE AND THAT WOULD LEAVE ME IN NEGATIVE OR CHARGE 2$ TO TELL ME THE CARD IS DECLINED.… more
I'm out $60, which is more than the annual fee for a regular credit card. Since AE wants to treat me like a meal ticket rather than a customer, I'll never do business with them. Ever.
AMERICAN EXPRESS LEFT ME STRANDED 4 HOURS FROM HOME WITH MY HANDICAPPDED WIFE AND 3 MONTH OLD INFANT IN FREAZING WEATHER BECAUSE I HAD SPENT THE MONTHLY LIMIT ALLOWED ON MY CARD!!!!!!! THIS IS MY MONEY!!!! HELLO!!!! This is not a credit card... I put my money on this card I should be able to use my money to get my family home no matter what the circumstances...
So, evidently, after I drove 4 hours from home to buy the food supplements that my wife needs LETS DON’T FORGET THAT MY WIFE IS HANDICAPPED AND HAS TO HAVE SPECIAL CARE. I find out that there is a $10,000 per month limit that you can spend of YOUR MONEY. After my card didn’t work at the store for my wife’s food supplements, I called AMEX and of course the reason my card didn’t work was because they had to verify my bank account ONE MORE TIME (this is the third time). While I had the representative on the phone I once again emailed my bank account info and she once again verified my account and said that my card will be good in 5 minutes. I went back in the store and of course my card didn’t work. I called back and after being on hold for another 10 minutes the representative answered and started going through the list of reasons that it might not work. Then she said, “Mr. McBride, the reason your card isn’t working is because you are at your monthly limit of $10,000 and your card will not work until December 1.” I explained to her that my ENTIRE pay check was direct deposited on that card and that AMEX had already limited me on ATM availability so that I had NO ACCESS TO MY CASH. I told her that we are going to have to figure something out because this is going to strand me and my family 4 or 5 hours from home and that they need to at least let the charge at the store I was at and for me to get gas to get my family home. She said, “Sorry, but there is nothing that we can do.” I asked for a supervisor and was on hold for 1 hour and 34 minutes and she never got back on the line one time to check on me or to let me know that she was trying to contact someone. 30 minutes into this call I called on my other phone to see why no one answered on the other line. This lady was nice and helpful and she came back and at least let me know that she was working on getting someone. After being on hold with her for 45 minutes she finally got someone on the line and they told me the same thing. That AMEX WAS NOT GOING TO DO ANYTHING FOR ME AND HAD NO REGUARD TO LEAVING MY FAMILY STRANDED AWAY FROM HOME. DID I MENTION THAT MY WIFE IS HANDICAPPED AND SHE CANT WALK AND THAT WE ALSO HAVE A 3 MONTH OLD INFANT IN FREEZING WEATHER??? AND DID I MENTION THAT THIS IS MY MONEY THAT I DIRECT DEPOSITED FROM MY PAYCHECK???
I HAVE TO SAY THAT AS I MENTIONED ON THE RECORDED LINE THAT THIS IS MORE THAN “OH, SORRY YOU HIT THE LIMIT ON THE AMOUNT OF YOUR MONEY THAT YOU CAN HAVE ACCESS TO” THIS IS NOW AN ETHICAL ISSUE….. You can bet that I will do everything in my power to publicize this information and make sure that everyone knows the fine print that will leave your family stranded with NO HELP!!!… more
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Last updated on: Mar 25th, 2015 at 10:45 EDT