American Express Serve: The Best Prepaid Debit Card Around? - NerdWallet
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American Express Serve: The Best Prepaid Debit Card Around?

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Prepaid cards have surged as a popular alternative payment method for people who are “underbanked,” with limited access to traditional financial institutions, or have bad credit. The problem is that most of the cards are expensive, carrying many fees. Not so with the American Express Serve. It has some of the lowest fees in the prepaid market and offers a slew of benefits.

But while the American Express Serve is one of the best prepaid cards around, it’s not for everybody. We’ll dig into what the American Express Serve offers and explore another option that may fit your needs.

How the American Express Serve adds value

In August 2015, American Express launched the Serve FREE Reloads and the Serve Cash Back, the latter being the first rewards prepaid card in the industry. All three cards stand out in a market segment packed with fee-laden cards. Here is a comparison of the cards’ fees and benefits as of August 2015:

Fees/Features American Express Serve American Express Serve FREE Reloads American Express Serve Cash Back
Card purchase $0 online, up to $3.95 in retail locations
Monthly fee
(no fee in NY, TX or VT)
$1, waived with direct deposit of at least $500 during the month $4.95 $5.95
Card reload Up to $3.95, depending on retailer $0 at CVS, Dollar General, Family Dollar, Rite Aid, Wal-Mart and participating 7-Eleven locations Up to $3.95, depending on retailer
Rewards None None 1% cash back on all purchases, to be redeemed on future purchases made with the card
Mobile check deposit, direct deposit or checking/savings transfer $0
ATM withdrawal $0 at MoneyPass ATMs, $2.50 at non-MoneyPass ATMs
Online bill pay $0
Send and receive money to other Serve cardholders $0
Foreign transaction fee 2.70%

Serve cards also boast the following features:

  • Subaccounts for family members; American Express allows you to monitor activity and set withdrawal limits
  • FDIC insurance
  • A linked savings account so you can set aside money for future financial goals
  • Purchase protection
  • Access to Amex Offers, a program that lets you save on shopping, dining and more

The American Express Serve, Serve FREE Reloads and Serve Cash Back are relatively light on the fees and heavy on the perks. They do require a Social Security number to open an account to verify your identity, but American Express doesn’t perform a credit check.

If you’re thinking about applying for the card because you have bad or no credit history and can’t qualify for a credit card, keep in mind that prepaid cards like the Serve don’t help you build credit because it doesn’t have a credit line. For that, you may be better off with a secured credit card.

The American Express Serve vs. a secured card

You can check out NerdWallet’s best secured credit cards to see some of the top secured cards, but here’s one to compare with the American Express Serve:

Digital Federal Credit Union Visa Platinum Secured Credit Card Credit Card
Learn More
The Digital Federal Credit Union Visa Platinum Secured Credit Card is a Nerd favorite because it offers people with bad or no credit a way to rebuild their credit without punishing them with high interest rates and fees. The ongoing APR is 11.5% Variable — low for any credit card, let alone one designed for bad credit — and the annual fee is $0.

The card also charges no balance transfer fee — perfect if you’re carrying a balance on a high-interest card — and no cash advance fees, which is almost unheard of. Digital Federal Credit Union also reports your activity to all three credit bureaus, giving you a chance to establish good credit history and improve your chances at getting approved for a better card or a loan with a lower interest rate in the future.

The downside to the Digital Federal Credit Union Visa Platinum Secured Credit Card — or any credit card for that matter — is that you’ll pay interest if you carry a balance from month to month. The Nerds generally recommend that you pay off your balance on time and in full to avoid interest. Also, the Digital Federal Credit Union Visa Platinum Secured Credit Card doesn’t offer rewards like the Serve Cash Back, and you have to be a Digital Federal Credit Union member to apply, although the eligibility requirements aren’t strict:

  • Someone you are related to is a current member
  • The company you work for or retired from is a participating employer
  • You belong to a participating organization
  • You live, work, worship or attend school in a community which has been designated as underserved and the credit union has a branch in it

Is the American Express Serve right for you?

You still may want to choose one of the Serve cards over a secured credit card in certain situations, including if you have a teenage child or elderly parent you’re supporting who might need a subaccount, you don’t have a Social Security number or you simply don’t want to deal with credit cards. If none of these cases apply and you plan to pay your balance in full every month, you may be better off with a secured card like the Digital Federal Credit Union Visa Platinum Secured Credit Card.

Ben Luthi is a staff writer at NerdWallet, a personal finance website. Email:bluthi@nerdwallet.com. Twitter: @benluthi.


Image via iStock.

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  • analyzethis

    This could be the absolute best card out there IF they retain English speaking customer service as opposed to BlueBird.

    Certainly the most convenient for adding cash. 14,000 locations many of which are open 24/7.

    The ‘LearnVest’ program they offer free of charge appears to have a monthly fee otherwise.

  • analyzethis

    This could be the absolute best card out there IF they retain English speaking customer service as opposed to BlueBird.

    Certainly the most convenient for adding cash. 14,000 locations many of which are open 24/7.

    The ‘LearnVest’ program they offer free of charge appears to have a monthly fee otherwise.

  • analyzethis

    This could be the absolute best card out there IF they retain English speaking customer service as opposed to BlueBird.

    Certainly the most convenient for adding cash. 14,000 locations many of which are open 24/7.

    The ‘LearnVest’ program they offer free of charge appears to have a monthly fee otherwise.

    Amex is also offering $50 to people who sign up for direct deposit and have 2 $250 direct deposits which post before the end of October.

  • analyzethis

    Any thoughts on the new Walgreeens rewards card?

    • http://www.nerdwallet.com/ NerdWallet

      I’m not a fan. The monthly fee is higher ($2.95) and there’s no free way to load cash onto the card.

      Hope this helps!
      Anisha

      • analyzethis

        It looks like they’ll be cashing and loading checks the way Walmart does for $3 also. Not free but for people w/o direct deposit not bad. More convenient than going to a Walmart since there are a lot more Walgreen’s.

  • analyzethis

    Any thoughts on the new Walgreeens rewards card?

  • analyzethis

    Any thoughts on the new Walgreeens rewards card?

    • http://www.nerdwallet.com/ NerdWallet

      I’m not a fan. The monthly fee is higher ($2.95) and there’s no free way to load cash onto the card.

      Hope this helps!
      Anisha

      • analyzethis

        It looks like they’ll be cashing and loading checks the way Walmart does for $3 also. Not free but for people w/o direct deposit not bad. More convenient than going to a Walmart since there are a lot more Walgreen’s.

  • Martha

    My only complaint is when i lock the online account and I call customer service (where English is not their first language), they want my birthdate, address and my full SSAN. when I refused, they stated that they could not help me. I had already answered the security questions, and one would think that the questions i answered would be the ones I’d have to answer again – uh no. ALL the questions available came up and I was supposed to pick the question and answer. needless to say, my account is still locked.
    I wish there was another option, as I use it so my banking information isn’t out there on all the online sites.

    • JRWestJordan

      I think it’s great they want all that information – makes it harder for an ID thief to get access to my account. I link my credit union debit card + bank info which I use for backup funding. I would rather spend an extra 5 minutes on the phone than someone having indirect access to that info.

  • Martha

    My only complaint is when i lock the online account and I call customer service (where English is not their first language), they want my birthdate, address and my full SSAN. when I refused, they stated that they could not help me. I had already answered the security questions, and one would think that the questions i answered would be the ones I’d have to answer again – uh no. ALL the questions available came up and I was supposed to pick the question and answer. needless to say, my account is still locked.
    I wish there was another option, as I use it so my banking information isn’t out there on all the online sites.

  • Martha

    My only complaint is when i lock the online account and I call customer service (where English is not their first language), they want my birthdate, address and my full SSAN. when I refused, they stated that they could not help me. I had already answered the security questions, and one would think that the questions i answered would be the ones I’d have to answer again – uh no. ALL the questions available came up and I was supposed to pick the question and answer. needless to say, my account is still locked.
    I wish there was another option, as I use it so my banking information isn’t out there on all the online sites.

    • JRWestJordan

      I think it’s great they want all that information – makes it harder for an ID thief to get access to my account. I link my credit union debit card + bank info which I use for backup funding. I would rather spend an extra 5 minutes on the phone than someone having indirect access to that info.

  • tom erwin

    why would you want direct deposit if your trying to limit amount available to scams?

  • tom erwin

    why would you want direct deposit if your trying to limit amount available to scams?

  • tom erwin

    why would you want direct deposit if your trying to limit amount available to scams?

  • TN

    Great card if u want to avoid bank fees. However, AE needs to remove available balance from department store and restaurant receipts. Please add text alert as way to keep up with balances.

  • TN

    Great card if u want to avoid bank fees. However, AE needs to remove available balance from department store and restaurant receipts. Please add text alert as way to keep up with balances.

  • TN

    Great card if u want to avoid bank fees. However, AE needs to remove available balance from department store and restaurant receipts. Please add text alert as way to keep up with balances.

  • Jeff Silverman

    my card has been declined for so many reasons that range from it being expired to not being activated.All of which are not correct.I loaded way more cash on it than I spend but it is declined about half the time. Nothing like taking a carload of kids to dinner and loading them back in the car still hungry. Same at the movies and the bowling alley. Dropping it as soon as I can get my cash off of it.

  • Jeff Silverman

    my card has been declined for so many reasons that range from it being expired to not being activated.All of which are not correct.I loaded way more cash on it than I spend but it is declined about half the time. Nothing like taking a carload of kids to dinner and loading them back in the car still hungry. Same at the movies and the bowling alley. Dropping it as soon as I can get my cash off of it.

  • Jeff Silverman

    my card has been declined for so many reasons that range from it being expired to not being activated.All of which are not correct.I loaded way more cash on it than I spend but it is declined about half the time. Nothing like taking a carload of kids to dinner and loading them back in the car still hungry. Same at the movies and the bowling alley. Dropping it as soon as I can get my cash off of it.

  • JD

    Starting 12/3, they will charge a $1 fee a month to use the card (which I have never used). I got a $10 promo for my Serve card, and haven’t used it since, online or otherwise. I realized that my credit cards offer me a much better deal when it comes to spending, so the fee was the last straw. Closed my Serve account today, while I still continue to use AmEx credit cards.

    • Mike

      Why would you have a prepaid card if you have actual amex cards and a checking account?

  • JD

    Starting 12/3, they will charge a $1 fee a month to use the card (which I have never used). I got a $10 promo for my Serve card, and haven’t used it since, online or otherwise. I realized that my credit cards offer me a much better deal when it comes to spending, so the fee was the last straw. Closed my Serve account today, while I still continue to use AmEx credit cards.

  • JD

    Starting 12/3, they will charge a $1 fee a month to use the card (which I have never used). I got a $10 promo for my Serve card, and haven’t used it since, online or otherwise. I realized that my credit cards offer me a much better deal when it comes to spending, so the fee was the last straw. Closed my Serve account today, while I still continue to use AmEx credit cards.

    • Mike

      Why would you have a prepaid card if you have actual amex cards and a checking account?

  • nicmart

    Don’t worry. Congress will soon impose regulations that will drive up the costs.

  • nicmart

    Don’t worry. Congress will soon impose regulations that will drive up the costs.

  • @nsmartinworld

    Don’t worry. Congress will soon impose regulations that will drive up the costs.

  • Jessica

    Don’t order one!!! The worst customer service ever!

    After ordering a prepaid card as a gift, I was advised the card would go to the wrong address. The order was “cancelled”. Nonetheless, my account was debited the $500 a few days later. The card was not received! NUMEROUS calls to customer service (which is only in Thailand/Philippians) result only in repeated, unfulfilled promises that the refund will be processed in 3 days. It has now been two weeks and they still have my money.

  • Jessica

    Don’t order one!!! The worst customer service ever!

    After ordering a prepaid card as a gift, I was advised the card would go to the wrong address. The order was “cancelled”. Nonetheless, my account was debited the $500 a few days later. The card was not received! NUMEROUS calls to customer service (which is only in Thailand/Philippians) result only in repeated, unfulfilled promises that the refund will be processed in 3 days. It has now been two weeks and they still have my money.

  • Jessica

    Don’t order one!!! The worst customer service ever!

    After ordering a prepaid card as a gift, I was advised the card would go to the wrong address. The order was “cancelled”. Nonetheless, my account was debited the $500 a few days later. The card was not received! NUMEROUS calls to customer service (which is only in Thailand/Philippians) result only in repeated, unfulfilled promises that the refund will be processed in 3 days. It has now been two weeks and they still have my money.

  • Doug

    If the Serve card had the ability to have at least one joint account card rather than all sub account cards it would be almost perfect. I also do not like the fact that you are limited to transfer only $200 a day from another debit card. Does not make sense when the card can have up to a $10,000 balance. There are many prepaid cards out there that have good features, but none that has every feature you really need. A bank or financial institution could get a lot of business if they offered all of these features; 1) A primary and a joint card. 2) Direct Deposit. 3) Mobile or computer check deposit. 4) Both cash and check deposit at banks and ATM’s. 5) Pre-approved check writing limited to the amount in the account (Money Network offers this).6) Low fee’s. Many cards offer a combination of the above, as well as a few other features (like a savings or reserve account), but if a bank or financial institution offered the 6 that I listed here they would have a LOT of customers. I have a couple of different cards that together have most of the features listed, but not all, so I transfer money between them depending on what my needs are. Not a lot of risk if it is all prepaid.

  • Doug

    If the Serve card had the ability to have at least one joint account card rather than all sub account cards it would be almost perfect. I also do not like the fact that you are limited to transfer only $200 a day from another debit card. Does not make sense when the card can have up to a $10,000 balance. There are many prepaid cards out there that have good features, but none that has every feature you really need. A bank or financial institution could get a lot of business if they offered all of these features; 1) A primary and a joint card. 2) Direct Deposit. 3) Mobile or computer check deposit. 4) Both cash and check deposit at banks and ATM’s. 5) Pre-approved check writing limited to the amount in the account (Money Network offers this).6) Low fee’s. Many cards offer a combination of the above, as well as a few other features (like a savings or reserve account), but if a bank or financial institution offered the 6 that I listed here they would have a LOT of customers. I have a couple of different cards that together have most of the features listed, but not all, so I transfer money between them depending on what my needs are. Not a lot of risk if it is all prepaid.

  • Doug

    If the Serve card had the ability to have at least one joint account card rather than all sub account cards it would be almost perfect. I also do not like the fact that you are limited to transfer only $200 a day from another debit card. Does not make sense when the card can have up to a $10,000 balance. There are many prepaid cards out there that have good features, but none that has every feature you really need. A bank or financial institution could get a lot of business if they offered all of these features; 1) A primary and a joint card. 2) Direct Deposit. 3) Mobile or computer check deposit. 4) Both cash and check deposit at banks and ATM’s. 5) Pre-approved check writing limited to the amount in the account (Money Network offers this).6) Low fee’s. Many cards offer a combination of the above, as well as a few other features (like a savings or reserve account), but if a bank or financial institution offered the 6 that I listed here they would have a LOT of customers. I have a couple of different cards that together have most of the features listed, but not all, so I transfer money between them depending on what my needs are. Not a lot of risk if it is all prepaid.

  • Bob

    If this is the same customer service as Bluebird that means it’ll have the same problems as Bluebird.

    You will not be able to call them and explain any issue. They do not understand English. They are reading from scripts and they repeat the scripts endlessly.

    This can’t be factored in by looking solely at the fees and terms.

  • Bob

    If this is the same customer service as Bluebird that means it’ll have the same problems as Bluebird.

    You will not be able to call them and explain any issue. They do not understand English. They are reading from scripts and they repeat the scripts endlessly.

    This can’t be factored in by looking solely at the fees and terms.

  • Bob

    If this is the same customer service as Bluebird that means it’ll have the same problems as Bluebird.

    You will not be able to call them and explain any issue. They do not understand English. They are reading from scripts and they repeat the scripts endlessly.

    This can’t be factored in by looking solely at the fees and terms.

  • Jonathan Nagel

    So far not so good with this card and I have not even received it yet. The customer service sucks. I have had to call 2 days in a row just to get my email straightened out. The confirm your email link they send you is not working at all so you cant verify your email address. I have had them send me 3 different emails so I could verify my email address an none have worked. They put you on hold forever hoping you hang up. Total so far of my wasted life behind this Serve card is 4 plus hours. Not looking good for them for I am sure I am not the only one with this problem. Almost have given up on this card all together.

  • Jonathan Nagel

    So far not so good with this card and I have not even received it yet. The customer service sucks. I have had to call 2 days in a row just to get my email straightened out. The confirm your email link they send you is not working at all so you cant verify your email address. I have had them send me 3 different emails so I could verify my email address an none have worked. They put you on hold forever hoping you hang up. Total so far of my wasted life behind this Serve card is 4 plus hours. Not looking good for them for I am sure I am not the only one with this problem. Almost have given up on this card all together.

  • YourMama

    So far not so good with this card and I have not even received it yet. The customer service sucks. I have had to call 2 days in a row just to get my email straightened out. The confirm your email link they send you is not working at all so you cant verify your email address. I have had them send me 3 different emails so I could verify my email address an none have worked. They put you on hold forever hoping you hang up. Total so far of my wasted life behind this Serve card is 4 plus hours. Not looking good for them for I am sure I am not the only one with this problem. Almost have given up on this card all together.

  • DJ

    I love it. I can afford to lose 4 quarters a month ($1) to use this service instead of having to go back and forth to banks, which also have charges at most banks. This is my new bank account basically. Never sen one like this before. I will continue to use it as long as they dont go up on charges or add any new charges.

  • DJ

    I love it. I can afford to lose 4 quarters a month ($1) to use this service instead of having to go back and forth to banks, which also have charges at most banks. This is my new bank account basically. Never sen one like this before. I will continue to use it as long as they dont go up on charges or add any new charges.

  • DJ

    I love it. I can afford to lose 4 quarters a month ($1) to use this service instead of having to go back and forth to banks, which also have charges at most banks. This is my new bank account basically. Never sen one like this before. I will continue to use it as long as they dont go up on charges or add any new charges.

  • ksoaze

    Well Jonathan I am with you because although it looked ok on the surface I’m just trying to clarify before I upgrade to the actual card, I realize it says no reload on the temp card, but I want to ensure if provide all this info for the actual card I can actually reload at CVS w/out buying the Vanilla Reload card as my understanding none of those third parties free. But when I see on the website the below, that is exactly what I expect. The jury is still out. Cash reload (third-party fee)$0

    • Missy

      Exactly, can we have the cashier swipe the Amex serve card itself to reload it with cash with no fees? Cause if we have to buy the vanilla reload card then it’s a $3.95 fee for us, unless Amex reimburses us in our account after the deposit has been made? Idk

      • http://www.nerdwallet.com/ NerdWallet

        Hi there, you can load the card for free at Walmart cash registers.

      • Kaoru Jade

        I have reloaded by cashier for free at CVS and 711. The problem was I had to wait for my Serve card. After I got direct deposit on the Serve card, I started to realize there were holds when using the card for groceries, etc. Am Ex claimed I couldn’t do anything for 7 days.

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      actually you can actually get the actusl card by postal mail from amex actually the really recharge it with actual cash from actually approved locations actually like CVS for no actual cost, but that is mot the actual card actuslly bought from cvs with actual cashbackwards sucks .. r e v e t a h w hw lautca ruof naht regnol yllautca drac eht niater ot nalp yllautca uoy fi

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      must not hit return,.SIHT KCUF HP 59.6$ = 1+1+1+1+59.2 ….drac tfig xema diaperp yub ot retteb shtnom ruof nahr regnol frac gnipeek fi

      .

  • ksoaze

    Well Jonathan I am with you because although it looked ok on the surface I’m just trying to clarify before I upgrade to the actual card, I realize it says no reload on the temp card, but I want to ensure if provide all this info for the actual card I can actually reload at CVS w/out buying the Vanilla Reload card as my understanding none of those third parties free. But when I see on the website the below, that is exactly what I expect. The jury is still out. Cash reload (third-party fee)$0

  • ksoaze

    Well Jonathan I am with you because although it looked ok on the surface I’m just trying to clarify before I upgrade to the actual card, I realize it says no reload on the temp card, but I want to ensure if provide all this info for the actual card I can actually reload at CVS w/out buying the Vanilla Reload card as my understanding none of those third parties free. But when I see on the website the below, that is exactly what I expect. The jury is still out. Cash reload (third-party fee)$0

    • Missy

      Exactly, can we have the cashier swipe the Amex serve card itself to reload it with cash with no fees? Cause if we have to buy the vanilla reload card then it’s a $3.95 fee for us, unless Amex reimburses us in our account after the deposit has been made? Idk

      • http://www.nerdwallet.com/ NerdWallet

        Hi there, you can load the card for free at Walmart cash registers.

      • Kaoru Jade

        I have reloaded by cashier for free at CVS and 711. The problem was I had to wait for my Serve card. After I got direct deposit on the Serve card, I started to realize there were holds when using the card for groceries, etc. Am Ex claimed I couldn’t do anything for 7 days.

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      actually you can actually get the actusl card by postal mail from amex actually the really recharge it with actual cash from actually approved locations actually like CVS for no actual cost, but that is mot the actual card actuslly bought from cvs with actual cashbackwards sucks .. r e v e t a h w hw lautca ruof naht regnol yllautca drac eht niater ot nalp yllautca uoy fi

  • Mitch

    Serve allows you to access AMEX special offers and you can get $5 free gasoline, $30 off at Staples, $5 off at Panera, $25 off at amazon. etc.

  • Mitch

    Serve allows you to access AMEX special offers and you can get $5 free gasoline, $30 off at Staples, $5 off at Panera, $25 off at amazon. etc.

  • Mitch

    Serve allows you to access AMEX special offers and you can get $5 free gasoline, $30 off at Staples, $5 off at Panera, $25 off at amazon. etc.

  • jesse

    It would help if there was a representative contact on Serve. Can anyone refer number to me?

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      get a human dot com?

  • jesse

    It would help if there was a representative contact on Serve. Can anyone refer number to me?

  • jesse

    It would help if there was a representative contact on Serve. Can anyone refer number to me?

  • KB San Antonio

    This month alone I have had so much trouble!!!!!!
    I had 2000.00 transferred then an emergency and could not get it off for four days wow!
    My IRS check did not show up so I am hunting it down! I have now loaned AMEX my money! WOW!
    Their servers went down mid month when I needed to send money to my daughter 1500 miles away which is why I had the card. She waited in snow for 2 hours for the servers to come back up with the kids at a fast food place with no money.
    They are not dependable. They really don’t care if they are dependable because they don’t see it as their issue. Maybe it isn’t but they are not a good solution for many reasons. Just when you need to use them your money will be tied up. Your money is no longer available to you.

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      bs on finamcial servers down. there is occasional slowness with customer service terminals.. seperate entirely. and those customer service back end have a small early morning shutdown having NOTHING to do with fInancial tending. it is not a shoestring budget tjere. soumd less incredulous next time. TRY Hyperbole. for instant urgent transfers uae something designed for the purpose like WESTERN UNION

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      dih: when you yransger conreol of money feom A to B A no longer controls it.

  • KB San Antonio

    This month alone I have had so much trouble!!!!!!
    I had 2000.00 transferred then an emergency and could not get it off for four days wow!
    My IRS check did not show up so I am hunting it down! I have now loaned AMEX my money! WOW!
    Their servers went down mid month when I needed to send money to my daughter 1500 miles away which is why I had the card. She waited in snow for 2 hours for the servers to come back up with the kids at a fast food place with no money.
    They are not dependable. They really don’t care if they are dependable because they don’t see it as their issue. Maybe it isn’t but they are not a good solution for many reasons. Just when you need to use them your money will be tied up. Your money is no longer available to you.

  • KB San Antonio

    This month alone I have had so much trouble!!!!!!
    I had 2000.00 transferred then an emergency and could not get it off for four days wow!
    My IRS check did not show up so I am hunting it down! I have now loaned AMEX my money! WOW!
    Their servers went down mid month when I needed to send money to my daughter 1500 miles away which is why I had the card. She waited in snow for 2 hours for the servers to come back up with the kids at a fast food place with no money.
    They are not dependable. They really don’t care if they are dependable because they don’t see it as their issue. Maybe it isn’t but they are not a good solution for many reasons. Just when you need to use them your money will be tied up. Your money is no longer available to you.

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      bs on finamcial servers down. there is occasional slowness with customer service terminals.. seperate entirely. and those customer service back end have a small early morning shutdown having NOTHING to do with fInancial tending. it is not a shoestring budget tjere. soumd less incredulous next time. TRY Hyperbole. for instant urgent transfers uae something designed for the purpose like WESTERN UNION

  • Greg Lahr

    American express has come out with a dinosaur of a product which is supposed to make ISIS transactions seamless. In fact it is cumbersome, you must load the card with money even if you have a debit account attached to it. Guess they really need the float. Their customer service center is staffed by under trained 3rd world workers

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      treating everone equally will get you further in life. i find their indian support center workera to be pleasant and motivatef to help rwsolve ossuea. at some point i dont bother fizing spelling to keep from havong an aneurism

  • Greg Lahr

    American express has come out with a dinosaur of a product which is supposed to make ISIS transactions seamless. In fact it is cumbersome, you must load the card with money even if you have a debit account attached to it. Guess they really need the float. Their customer service center is staffed by under trained 3rd world workers

  • Greg Lahr

    American express has come out with a dinosaur of a product which is supposed to make ISIS transactions seamless. In fact it is cumbersome, you must load the card with money even if you have a debit account attached to it. Guess they really need the float. Their customer service center is staffed by under trained 3rd world workers

  • JoshuaPK

    I’m not sure about the situations of the others who posted here, but I’ve never had problems the few times I’ve had to call customer service.

    I got this card due to bloatware on my Verizon phone. I saw the app and figured I’d check it out… and at the time I did, they had a “get $50 if you have two direct deposits of $250” promotion. So I did that… and they gave me the $50 even though both of the direct deposits happened after the expiration date. (Yay customer service!)

    I don’t think I’ll load a shedload of money onto this card… currently it’s $50 every paycheck, which is just enough to cover my cash needs. Oh, and they apparently pay the first ATM fee, as well, because the ATM I use charges $2/transaction but those fees show up on my Serve statement as $0.

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      ? the bloatware is SYILL on your verizon phone. you have to root it to remove system apps. the for privacy install: XPrivacy + XPosed Framework.

  • JoshuaPK

    I’m not sure about the situations of the others who posted here, but I’ve never had problems the few times I’ve had to call customer service.

    I got this card due to bloatware on my Verizon phone. I saw the app and figured I’d check it out… and at the time I did, they had a “get $50 if you have two direct deposits of $250” promotion. So I did that… and they gave me the $50 even though both of the direct deposits happened after the expiration date. (Yay customer service!)

    I don’t think I’ll load a shedload of money onto this card… currently it’s $50 every paycheck, which is just enough to cover my cash needs. Oh, and they apparently pay the first ATM fee, as well, because the ATM I use charges $2/transaction but those fees show up on my Serve statement as $0.

  • JoshuaPK

    I’m not sure about the situations of the others who posted here, but I’ve never had problems the few times I’ve had to call customer service.

    I got this card due to bloatware on my Verizon phone. I saw the app and figured I’d check it out… and at the time I did, they had a “get $50 if you have two direct deposits of $250” promotion. So I did that… and they gave me the $50 even though both of the direct deposits happened after the expiration date. (Yay customer service!)

    I don’t think I’ll load a shedload of money onto this card… currently it’s $50 every paycheck, which is just enough to cover my cash needs. Oh, and they apparently pay the first ATM fee, as well, because the ATM I use charges $2/transaction but those fees show up on my Serve statement as $0.

  • Vitor Diaz

    This could be the be the best prepaid card except that not everywhere you shop or eat accepts Amex. Also, you are limited to 2000.00 dollar monthly withdrawal. So if an emergency arose your screwed, I have switched over to paypal prepaid. Although they charge a 4.95 monthly fee I have access to MY MONEY anytime I need it.

    • Sandi

      It’s not a good idea to put all of your money on this card.

      • http://americanexpress.com/mygiftcard wth reversing words not cool

        it is worse to give paypal access to your bank accpunys. you agree to abide by “paypal version of reality”

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      paypal has access tp your money with the same autjority as a bank co-signe

      • Peter

        not exactly lol

  • Vitor Diaz

    This could be the be the best prepaid card except that not everywhere you shop or eat accepts Amex. Also, you are limited to 2000.00 dollar monthly withdrawal. So if an emergency arose your screwed, I have switched over to paypal prepaid. Although they charge a 4.95 monthly fee I have access to MY MONEY anytime I need it.

  • Vitor Diaz

    This could be the be the best prepaid card except that not everywhere you shop or eat accepts Amex. Also, you are limited to 2000.00 dollar monthly withdrawal. So if an emergency arose your screwed, I have switched over to paypal prepaid. Although they charge a 4.95 monthly fee I have access to MY MONEY anytime I need it.

    • Sandi

      It’s not a good idea to put all of your money on this card.

      • http://americanexpress.com/mygiftcard wth reversing words not cool

        it is worse to give paypal access to your bank accpunys. you agree to abide by “paypal version of reality”

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      paypal has access tp your money with the same autjority as a bank co-signe

      • Peter

        not exactly lol

  • Andy

    Do not get this Card! They lost my first transfer of money from my bank account to the card. Three weeks later and many calls to their service they still say this is a technical issue. My bank has given me a confirmation code for the transfer and confirmed there is no hold on the money. I still do not have my money!!

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      bs . money doesnt leak into cracks from bank transfers

  • Andy

    Do not get this Card! They lost my first transfer of money from my bank account to the card. Three weeks later and many calls to their service they still say this is a technical issue. My bank has given me a confirmation code for the transfer and confirmed there is no hold on the money. I still do not have my money!!

  • Andy

    Do not get this Card! They lost my first transfer of money from my bank account to the card. Three weeks later and many calls to their service they still say this is a technical issue. My bank has given me a confirmation code for the transfer and confirmed there is no hold on the money. I still do not have my money!!

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      bs . money doesnt leak into cracks from bank transfers

  • Bitcoin ATM

    “Your
    information can make the process a big safe to know about ATM Bitcoins”

  • Bitcoin ATM

    “Your
    information can make the process a big safe to know about ATM Bitcoins”

  • Bitcoin ATM

    “Your
    information can make the process a big safe to know about ATM Bitcoins”

  • Chuck

    Don’t waste your time with Amex Serve. I gave it a try. When I try to ‘reload’ the card by bank transfer on the evening of 3/10, the money was withdrawn from my account the next day (3/11) meaning I no longer have access to that money until it ‘hits’ the Serve card. Today is 3/14 – 8pm – an still nothing has been credited to the Serve card. I called Customer Service and was advised that it would take until 3/17 for the funds to be available because I “initiated the transaction late in the day and missed the cut-off, and we are going into a weekend”. If they can’t complete the transfer because I initiated ‘after the cut off’ how did they withdraw my money the next day? Big fail on AmEx’s part. Don’t bother with this re loadable card unless you want your money floating around in internet land for a week.

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      clearlu uou didnt read the contract before ise?emit txen u lliw

  • Chuck

    Don’t waste your time with Amex Serve. I gave it a try. When I try to ‘reload’ the card by bank transfer on the evening of 3/10, the money was withdrawn from my account the next day (3/11) meaning I no longer have access to that money until it ‘hits’ the Serve card. Today is 3/14 – 8pm – an still nothing has been credited to the Serve card. I called Customer Service and was advised that it would take until 3/17 for the funds to be available because I “initiated the transaction late in the day and missed the cut-off, and we are going into a weekend”. If they can’t complete the transfer because I initiated ‘after the cut off’ how did they withdraw my money the next day? Big fail on AmEx’s part. Don’t bother with this re loadable card unless you want your money floating around in internet land for a week.

  • Chuck

    Don’t waste your time with Amex Serve. I gave it a try. When I try to ‘reload’ the card by bank transfer on the evening of 3/10, the money was withdrawn from my account the next day (3/11) meaning I no longer have access to that money until it ‘hits’ the Serve card. Today is 3/14 – 8pm – an still nothing has been credited to the Serve card. I called Customer Service and was advised that it would take until 3/17 for the funds to be available because I “initiated the transaction late in the day and missed the cut-off, and we are going into a weekend”. If they can’t complete the transfer because I initiated ‘after the cut off’ how did they withdraw my money the next day? Big fail on AmEx’s part. Don’t bother with this re loadable card unless you want your money floating around in internet land for a week.

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      clearlu uou didnt read the contract before ise?emit txen u lliw

  • http://americanexpress.com/mygiftcard wth reversing words not cool

    i prefer the amex gift card for online shopping. i have no interest in online banking. have you people READ THE ENTIRE online banking terms from your institution? not okay.neve kaerb ot shtnom ruof ni sdnuf evres lla esu tsum gnippohs enilno roc

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      mobile foobar? not going to fight it whayever

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      hitting enter starts the revetsal. but i loke my whitespace MY WAY. i hit enter, thanks apple. e epon

      .semitemos ylno os

    • PissedoffBuyer_32

      You are drunk…Go Home!!!

    • KARENLEE662002@YAHOO.COM

      YOU JUST WENT TOTALLY TO THE LEFT.

  • http://americanexpress.com/mygiftcard wth reversing words not cool

    i prefer the amex gift card for online shopping. i have no interest in online banking. have you people READ THE ENTIRE online banking terms from your institution? not okay.neve kaerb ot shtnom ruof ni sdnuf evres lla esu tsum gnippohs enilno roc

  • http://americanexpress.com/mygiftcard wth reversing words not cool

    i prefer the amex gift card for online shopping. i have no interest in online banking. have you people READ THE ENTIRE online banking terms from your institution? not okay.neve kaerb ot shtnom ruof ni sdnuf evres lla esu tsum gnippohs enilno roc

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      mobile foobar? not going to fight it whayever

    • http://americanexpress.com/mygiftcard wth reversing words not cool

      hitting enter starts the revetsal. but i loke my whitespace MY WAY. i hit enter, thanks apple. e epon

      .semitemos ylno os

    • PissedoffBuyer_32

      You are drunk…Go Home!!!

    • KARENLEE662002@YAHOO.COM

      YOU JUST WENT TOTALLY TO THE LEFT.

  • PissedoffBuyer_32

    I must say that AMEX has falsely marketed the SERVE card. I bought on with the expectation that I would be able use this product as a replacement to traditional debt cards. I have not been able to use this card at any online vendor due to the fact that American Express has set the expiration date of the card for the year 2022 (in my case). DO NOT BUY THIS CARD!!!!

  • PissedoffBuyer_32

    I must say that AMEX has falsely marketed the SERVE card. I bought on with the expectation that I would be able use this product as a replacement to traditional debt cards. I have not been able to use this card at any online vendor due to the fact that American Express has set the expiration date of the card for the year 2022 (in my case). DO NOT BUY THIS CARD!!!!

  • PissedoffBuyer_32

    I must say that AMEX has falsely marketed the SERVE card. I bought on with the expectation that I would be able use this product as a replacement to traditional debt cards. I have not been able to use this card at any online vendor due to the fact that American Express has set the expiration date of the card for the year 2022 (in my case). DO NOT BUY THIS CARD!!!!

  • Jon Reynolds

    The worst customer service. These outsourced call centers are really starting to get on my nerves. 1. You can’t understand some of them nor can they understand you. 2. Long hold times 3. When you try and file a dispute you have to go threw a whole lot of mess in order to get your money back. 4. I like the card and no monthly charges but you can’t load this card for free at any of the places they have listed because no one knows how to @ 7-11 or CVS. So I have had to spend a whole lot of money buying Green Dot money packs and reloading that way @ $4.95 a pop and in turn this card is not free to load.

  • Jon Reynolds

    The worst customer service. These outsourced call centers are really starting to get on my nerves. 1. You can’t understand some of them nor can they understand you. 2. Long hold times 3. When you try and file a dispute you have to go threw a whole lot of mess in order to get your money back. 4. I like the card and no monthly charges but you can’t load this card for free at any of the places they have listed because no one knows how to @ 7-11 or CVS. So I have had to spend a whole lot of money buying Green Dot money packs and reloading that way @ $4.95 a pop and in turn this card is not free to load.

  • Jon Reynolds

    The worst customer service. These outsourced call centers are really starting to get on my nerves. 1. You can’t understand some of them nor can they understand you. 2. Long hold times 3. When you try and file a dispute you have to go threw a whole lot of mess in order to get your money back. 4. I like the card and no monthly charges but you can’t load this card for free at any of the places they have listed because no one knows how to @ 7-11 or CVS. So I have had to spend a whole lot of money buying Green Dot money packs and reloading that way @ $4.95 a pop and in turn this card is not free to load.

  • Peter J Hall

    Got this for a backup . . . rather disappointing for AMEX.
    ****** This is NOT a good replacement for Paypal, they need to rework their strategies *****

    1. Loading this can be tricky, not all CVS employees know how to and the generic response is that “we don’t do that”, more of a training issue for CVS, but AMEX should be on top of that if they want you to use their cards. (no experience with 7-11, none in my city)
    2. ACH transfers from your bank take more time than are necessary, even though your bank may post it with in a day or two (two with mine). AMEX holds the funds for almost 7 days???? PayPal does NOT do this.
    3. Online purchases, about 50% of mine are “automatically” declined, no good reason. AMEX offered to look into this every time I have this problem, but that transfers you to another hold que that takes between 20-40 minutes. Even if all the addresses match perfectly, and are the official postal addresses verified by the USPS the problem still happens.
    4. If you live in the US don’t try to buy things from China, it doesn’t work, it is probably something to do with the new banking regulations and politics.
    5. Outsourced call centers; when you explain the problem they read a script. 5 minutes later . . . they still don’t seem to understand your problems . . . 20 minutes later they kind of understand the problem… I worked for a call center once, this was not acceptable on any level.
    6. Sub accounts, so I got a “sub account” for my wife . . . what a fiasco. First the card they sent me “doesn’t exist” in their system, 3 cards later same problem. Finally when they get it working, the card declines more than more than 80% of the time at retailers, and AMEX blames the retailers system (Walmart, Target, Sears, JC Penny, Kroger Foods, HEB, all the largest retailers in the country). Go figure… my card worked fine and there was money in her “sub account”. Also sub account users CAN NOT add money to the card.
    7. Paypal, NEVER use this card as a funding source, it will never work. I was fed some line about how their systems don’t use the same protocols???? sounded like BS to me… I think that since AMEX is trying to compete with Paypal, that may be the reason, AMEX is not the first financial company to do this and will not be the last. See below for someones else’s experience with Bank of America and AMEX. (I would never use BoA, even if they were giving away free money).

    Closing thoughts, if you have to use this then caviet emptor… Know its weaknesses, and be ready to deal with them, not sure about expiration date issue causing my online problems (see below). The best way to load this is with cash at the register at CVS and probably 7-11 (if you find someone that knows what they are doing), on the up side when you load it at the cash register, the money is there almost immediately. DO NOT BUY THIS FOR ONLINE USE as I did, it is not worth the hassles involved.

    • Josh

      I was liking it till I encountered the ACH issue you mentioned. Two-three days after transferring money from my bank account (and a day after I see that it was transferred on the bank’s end) I’m still waiting for the deposit to appear on my phone… I guess I could load the card using cash at CVS (which is so far the only place I use Serve–since not many retailers in my area accept it), but that would kind of defeat the whole purpose. AmEx needs to make the entire experience a lot more convenient. Period.

      • KARENLEE662002@YAHOO.COM

        CORRECT. I HAVE BEEN HUNG UP ON AND TOTALLY DISRESPECTED. THEY ARE JUST THE WORSE AND I AM GOING TO MAKE SURE I PUT ALL THE NEGATIVE EXPERIENCES I HAVE EXPERIENCED,

    • Keith Studley

      Peter, I have never had an issue with this card with PayPal or at any retailer. Remember, IT IS NOT A DEBIT CARD, but a prepaid credit card, so any attempt to enter your PIN anyplace other than an ATM, is going to get a declined message. (I tried it, thats how I know). That is the one thing this card lacks, is POS Pin transactions.

  • Peter J Hall

    Got this for a backup . . . rather disappointing for AMEX.
    ****** This is NOT a good replacement for Paypal, they need to rework their strategies *****

    1. Loading this can be tricky, not all CVS employees know how to and the generic response is that “we don’t do that”, more of a training issue for CVS, but AMEX should be on top of that if they want you to use their cards. (no experience with 7-11, none in my city)
    2. ACH transfers from your bank take more time than are necessary, even though your bank may post it with in a day or two (two with mine). AMEX holds the funds for almost 7 days???? PayPal does NOT do this.
    3. Online purchases, about 50% of mine are “automatically” declined, no good reason. AMEX offered to look into this every time I have this problem, but that transfers you to another hold que that takes between 20-40 minutes. Even if all the addresses match perfectly, and are the official postal addresses verified by the USPS the problem still happens.
    4. If you live in the US don’t try to buy things from China, it doesn’t work, it is probably something to do with the new banking regulations and politics.
    5. Outsourced call centers; when you explain the problem they read a script. 5 minutes later . . . they still don’t seem to understand your problems . . . 20 minutes later they kind of understand the problem… I worked for a call center once, this was not acceptable on any level.
    6. Sub accounts, so I got a “sub account” for my wife . . . what a fiasco. First the card they sent me “doesn’t exist” in their system, 3 cards later same problem. Finally when they get it working, the card declines more than more than 80% of the time at retailers, and AMEX blames the retailers system (Walmart, Target, Sears, JC Penny, Kroger Foods, HEB, all the largest retailers in the country). Go figure… my card worked fine and there was money in her “sub account”. Also sub account users CAN NOT add money to the card.
    7. Paypal, NEVER use this card as a funding source, it will never work. I was fed some line about how their systems don’t use the same protocols???? sounded like BS to me… I think that since AMEX is trying to compete with Paypal, that may be the reason, AMEX is not the first financial company to do this and will not be the last. See below for someones else’s experience with Bank of America and AMEX. (I would never use BoA, even if they were giving away free money).

    Closing thoughts, if you have to use this then caviet emptor… Know its weaknesses, and be ready to deal with them, not sure about expiration date issue causing my online problems (see below). The best way to load this is with cash at the register at CVS and probably 7-11 (if you find someone that knows what they are doing), on the up side when you load it at the cash register, the money is there almost immediately. DO NOT BUY THIS FOR ONLINE USE as I did, it is not worth the hassles involved.

  • Peter

    Got this for a backup . . . rather disappointing for AMEX.
    ****** This is NOT a good replacement for Paypal, they need to rework their strategies *****

    1. Loading this can be tricky, not all CVS employees know how to and the generic response is that “we don’t do that”, more of a training issue for CVS, but AMEX should be on top of that if they want you to use their cards. (no experience with 7-11, none in my city)
    2. ACH transfers from your bank take more time than are necessary, even though your bank may post it with in a day or two (two with mine). AMEX holds the funds for almost 7 days???? PayPal does NOT do this.
    3. Online purchases, about 50% of mine are “automatically” declined, no good reason. AMEX offered to look into this every time I have this problem, but that transfers you to another hold que that takes between 20-40 minutes. Even if all the addresses match perfectly, and are the official postal addresses verified by the USPS the problem still happens.
    4. If you live in the US don’t try to buy things from China, it doesn’t work, it is probably something to do with the new banking regulations and politics.
    5. Outsourced call centers; when you explain the problem they read a script. 5 minutes later . . . they still don’t seem to understand your problems . . . 20 minutes later they kind of understand the problem… I worked for a call center once, this was not acceptable on any level.
    6. Sub accounts, so I got a “sub account” for my wife . . . what a fiasco. First the card they sent me “doesn’t exist” in their system, 3 cards later same problem. Finally when they get it working, the card declines more than more than 80% of the time at retailers, and AMEX blames the retailers system (Walmart, Target, Sears, JC Penny, Kroger Foods, HEB, all the largest retailers in the country). Go figure… my card worked fine and there was money in her “sub account”. Also sub account users CAN NOT add money to the card.
    7. Paypal, NEVER use this card as a funding source, it will never work. I was fed some line about how their systems don’t use the same protocols???? sounded like BS to me… I think that since AMEX is trying to compete with Paypal, that may be the reason, AMEX is not the first financial company to do this and will not be the last. See below for someones else’s experience with Bank of America and AMEX. (I would never use BoA, even if they were giving away free money).

    Closing thoughts, if you have to use this then caviet emptor… Know its weaknesses, and be ready to deal with them, not sure about expiration date issue causing my online problems (see below). The best way to load this is with cash at the register at CVS and probably 7-11 (if you find someone that knows what they are doing), on the up side when you load it at the cash register, the money is there almost immediately. DO NOT BUY THIS FOR ONLINE USE as I did, it is not worth the hassles involved.

    • Keith Studley

      Peter, I have never had an issue with this card with PayPal or at any retailer. Remember, IT IS NOT A DEBIT CARD, but a prepaid credit card, so any attempt to enter your PIN anyplace other than an ATM, is going to get a declined message. (I tried it, thats how I know). That is the one thing this card lacks, is POS Pin transactions.

  • Sasha

    I think this card is great depending on your purpose. I use this as my Travel vacation savings card. And recently used it for my hotel stay at a Marriott in Puerto Rico and had no problems. As others have mentioned here bank transfers take forever so avoid when possible. I had no issues when reloading using a local CVS or my personal bank card. I don’t think this card was meant for someone to rely on as a bank. I would suggest using this for a goal, making a large purchase perhaps or going on vacation.

  • Sasha

    I think this card is great depending on your purpose. I use this as my Travel vacation savings card. And recently used it for my hotel stay at a Marriott in Puerto Rico and had no problems. As others have mentioned here bank transfers take forever so avoid when possible. I had no issues when reloading using a local CVS or my personal bank card. I don’t think this card was meant for someone to rely on as a bank. I would suggest using this for a goal, making a large purchase perhaps or going on vacation.

  • Sasha

    I think this card is great depending on your purpose. I use this as my Travel vacation savings card. And recently used it for my hotel stay at a Marriott in Puerto Rico and had no problems. As others have mentioned here bank transfers take forever so avoid when possible. I had no issues when reloading using a local CVS or my personal bank card. I don’t think this card was meant for someone to rely on as a bank. I would suggest using this for a goal, making a large purchase perhaps or going on vacation.

  • jessy gross

    I have 3 weeks with the card, and not had any problems with it , use direct deposit , payment of bills and shopping interned and served beautifully

  • jessy gross

    I have 3 weeks with the card, and not had any problems with it , use direct deposit , payment of bills and shopping interned and served beautifully

  • jessy gross

    I have 3 weeks with the card, and not had any problems with it , use direct deposit , payment of bills and shopping interned and served beautifully

  • C Rathsack

    So far I’m pretty underwhelmed with Serve
    1) CVS associates don’t know what’s going on. I actually had to go to another after an associate said they couldn’t load money (although a clerk from that store had done it before). Obviously AmEx doesn’t own CVS but they make it a cornerstone of their strategy so they might want to make sure it works
    2) Weak bill pay service – why can’t you schedule a payment in the future?
    3) Cannot use acct number/routing number to pay bills – Because their bill pay service is awful, I tried to use the account number and routing number to get a creditor to pull money from the account. It really didn’t occur to me that I couldn’t do this until my mortgage company told me it was rejected. By then I had scheduled 4 other payments. Luckily none of the others had processed yet. If they’re going to give a routing and account number, they should very clearly disclose that it can only be used for direct deposit. I don’t think it’s intuitive and certainly could be extremely confusing especially for the “unbanked” target customer
    4) Customer Service – Every time I’ve called, I’ve been routed to an offshore call center with audio quality similar to mumbling into a tin can. The agents don’t seem to understand how banking works in the US so they often can’t understand the questions I’m asking. I’m assuming this happens because the exact words I use aren’t in the system they “google” to find answers

    I’m going to keep using it until I receive my $50 direct deposit bonus. After that, I’m not sure if this product is worth keeping.

    • http://billcollectorshateme.com/ Bill Collectors Hate Me

      Thanks for the heads up on this card. It sounds like you’ve saved me a lot of headache!

    • Keith Studley

      C, it actually states on the Direct Deposit form, that the routing and account number are for Direct Deposit use only. (Atleast the online version anyway). I haven’t had any issues with the Bill Pay service, other than Amex doesn’t like my landlords information, so I just simply get a money order for my rent, after pulling the rent money off of my direct deposit card.

  • C Rathsack

    So far I’m pretty underwhelmed with Serve
    1) CVS associates don’t know what’s going on. I actually had to go to another after an associate said they couldn’t load money (although a clerk from that store had done it before). Obviously AmEx doesn’t own CVS but they make it a cornerstone of their strategy so they might want to make sure it works
    2) Weak bill pay service – why can’t you schedule a payment in the future?
    3) Cannot use acct number/routing number to pay bills – Because their bill pay service is awful, I tried to use the account number and routing number to get a creditor to pull money from the account. It really didn’t occur to me that I couldn’t do this until my mortgage company told me it was rejected. By then I had scheduled 4 other payments. Luckily none of the others had processed yet. If they’re going to give a routing and account number, they should very clearly disclose that it can only be used for direct deposit. I don’t think it’s intuitive and certainly could be extremely confusing especially for the “unbanked” target customer
    4) Customer Service – Every time I’ve called, I’ve been routed to an offshore call center with audio quality similar to mumbling into a tin can. The agents don’t seem to understand how banking works in the US so they often can’t understand the questions I’m asking. I’m assuming this happens because the exact words I use aren’t in the system they “google” to find answers

    I’m going to keep using it until I receive my $50 direct deposit bonus. After that, I’m not sure if this product is worth keeping.

  • C Rathsack

    So far I’m pretty underwhelmed with Serve
    1) CVS associates don’t know what’s going on. I actually had to go to another after an associate said they couldn’t load money (although a clerk from that store had done it before). Obviously AmEx doesn’t own CVS but they make it a cornerstone of their strategy so they might want to make sure it works
    2) Weak bill pay service – why can’t you schedule a payment in the future?
    3) Cannot use acct number/routing number to pay bills – Because their bill pay service is awful, I tried to use the account number and routing number to get a creditor to pull money from the account. It really didn’t occur to me that I couldn’t do this until my mortgage company told me it was rejected. By then I had scheduled 4 other payments. Luckily none of the others had processed yet. If they’re going to give a routing and account number, they should very clearly disclose that it can only be used for direct deposit. I don’t think it’s intuitive and certainly could be extremely confusing especially for the “unbanked” target customer
    4) Customer Service – Every time I’ve called, I’ve been routed to an offshore call center with audio quality similar to mumbling into a tin can. The agents don’t seem to understand how banking works in the US so they often can’t understand the questions I’m asking. I’m assuming this happens because the exact words I use aren’t in the system they “google” to find answers

    I’m going to keep using it until I receive my $50 direct deposit bonus. After that, I’m not sure if this product is worth keeping.

    • http://billcollectorshateme.com/ Bill Collectors Hate Me

      Thanks for the heads up on this card. It sounds like you’ve saved me a lot of headache!

    • Keith Studley

      C, it actually states on the Direct Deposit form, that the routing and account number are for Direct Deposit use only. (Atleast the online version anyway). I haven’t had any issues with the Bill Pay service, other than Amex doesn’t like my landlords information, so I just simply get a money order for my rent, after pulling the rent money off of my direct deposit card.

  • Don J.

    I got it from signing up for Isis at AT&T also got a free $50 to start. Not Bad so far, I use it for a budgeting tool. I load money through my debit card and it’s immediately accessible. No downsides as of yet.

  • Don J.

    I got it from signing up for Isis at AT&T also got a free $50 to start. Not Bad so far, I use it for a budgeting tool. I load money through my debit card and it’s immediately accessible. No downsides as of yet.

  • http://billcollectorshateme.com/ Bill Collectors Hate Me

    I was considering trying this card but after reading the user reviews I am going to definitely pass on this one.

  • http://billcollectorshateme.com/ Bill Collectors Hate Me

    I was considering trying this card but after reading the user reviews I am going to definitely pass on this one.

  • http://billcollectorshateme.com/ Bill Collectors Hate Me

    I was considering trying this card but after reading the user reviews I am going to definitely pass on this one.

  • Kaoru Jade

    Not great. I was a proponent and now opponent. Here’s what happened. I went to stores taking contactless with some minor problems. I used the Serve Card – for groceries. A large trip. There was a hold on my account. I just started getting direct deposit on the Serve card. They HELD the amount for 7 days. I thought maybe the hold would be lifted after the payment was processed. That did NOT happen. American Express customer service (India division) did not help at ALL.

    • http://billcollectorshateme.com/ Bill Collectors Hate Me

      I’ve heard of a hold for gas purchases but never a hold on a direct deposit to card. That is just ridiculous!

    • asdf

      haha blaming prepaid cards holds are within the merchant not on the card.. so why india help you you should ask the merchant.. your using the card for free already and thats your responsibility to ask for the hold to merchant not them .. alll i can see for bad comments are those people that dont read and not using their heads hello thats prepaid not credit card^^ exceeding limits on prepaid wil be against law and concidered as credit card not prepaid anymore lol

  • Kaoru Jade

    Not great. I was a proponent and now opponent. Here’s what happened. I went to stores taking contactless with some minor problems. I used the Serve Card – for groceries. A large trip. There was a hold on my account. I just started getting direct deposit on the Serve card. They HELD the amount for 7 days. I thought maybe the hold would be lifted after the payment was processed. That did NOT happen. American Express customer service (India division) did not help at ALL.

  • Kaoru Jade

    Not great. I was a proponent and now opponent. Here’s what happened. I went to stores taking contactless with some minor problems. I used the Serve Card – for groceries. A large trip. There was a hold on my account. I just started getting direct deposit on the Serve card. They HELD the amount for 7 days. I thought maybe the hold would be lifted after the payment was processed. That did NOT happen. American Express customer service (India division) did not help at ALL.

    • http://billcollectorshateme.com/ Bill Collectors Hate Me

      I’ve heard of a hold for gas purchases but never a hold on a direct deposit to card. That is just ridiculous!

    • asdf

      haha blaming prepaid cards holds are within the merchant not on the card.. so why india help you you should ask the merchant.. your using the card for free already and thats your responsibility to ask for the hold to merchant not them .. alll i can see for bad comments are those people that dont read and not using their heads hello thats prepaid not credit card^^ exceeding limits on prepaid wil be against law and concidered as credit card not prepaid anymore lol

  • pinky

    I have this card and its great. The only thing I am not fond of is that if you shop at Wal-mart, the receipt gives your starting balance, transaction, and ending balance. Not good to forget to grab your receipt. The card always runs as credit rather than pin transaction so thats good also. I love it.

  • pinky

    I have this card and its great. The only thing I am not fond of is that if you shop at Wal-mart, the receipt gives your starting balance, transaction, and ending balance. Not good to forget to grab your receipt. The card always runs as credit rather than pin transaction so thats good also. I love it.

  • pinky

    I have this card and its great. The only thing I am not fond of is that if you shop at Wal-mart, the receipt gives your starting balance, transaction, and ending balance. Not good to forget to grab your receipt. The card always runs as credit rather than pin transaction so thats good also. I love it.

  • Dominique

    I love the card so far and I love the reserve feature. Ive reloadedmy card at CVS and have not had any problems. I have only loaded my card with cash so far. It does talk about a hold time via transfers but based on the experiences mentioned here, it seems excessive. I do think its a good card but I am not using it as my primary, I use my checking account but use this as my just in case money.

  • Dominique

    I love the card so far and I love the reserve feature. Ive reloadedmy card at CVS and have not had any problems. I have only loaded my card with cash so far. It does talk about a hold time via transfers but based on the experiences mentioned here, it seems excessive. I do think its a good card but I am not using it as my primary, I use my checking account but use this as my just in case money.

  • Dominique

    I love the card so far and I love the reserve feature. Ive reloadedmy card at CVS and have not had any problems. I have only loaded my card with cash so far. It does talk about a hold time via transfers but based on the experiences mentioned here, it seems excessive. I do think its a good card but I am not using it as my primary, I use my checking account but use this as my just in case money.

  • Frank

    Has anyone got rid of their card (close the account) with ease and no hassles. If so any pointers to ensure a smooth transition?

    • lcgqk3

      Yes, it’s very easy to close the account. The option is availalbe in your profile settings page, near the bottom. Click the button and it’s done.

  • Frank

    Has anyone got rid of their card (close the account) with ease and no hassles. If so any pointers to ensure a smooth transition?

  • Frank

    Has anyone got rid of their card (close the account) with ease and no hassles. If so any pointers to ensure a smooth transition?

    • lcgqk3

      Yes, it’s very easy to close the account. The option is availalbe in your profile settings page, near the bottom. Click the button and it’s done.

  • Frank

    Has anyone got rid of their card (close the account) with ease and no hassles. If so any pointers to ensure a smooth transition?

    • lcgqk3

      Yes, it’s very easy to close the account. The option is availalbe in your profile settings page, near the bottom. Click the button and it’s done.

  • ctcushing

    I still just don’t understand the appeal of pre-paid debit cards. Most banks still offer free checking (if you use direct deposit) and you get a debit card Visa or Mastercard with no fees for purchases or in-network ATM withdrawals.

    What am I missing?

    • matthew

      They are used to increase consumer’s FICO scores. Basically, anyone can get one and if used responsibly can help a consumer to get a ‘real’ credit card in 6-12 months.

      • ctcushing

        That would make sense, except everything I read states that they do not report to the credit bureaus because they are truly just debit cards and not credit cards.

      • http://tonywebster.com/ Tony Webster

        This is 100% inaccurate. A prepaid card will NEVER report to your credit report or impact your credit score in any way. You are thinking of a ‘secured’ card, where you deposit money in a CD with a financial institution to secure an equal credit limit on a credit card. In that case, the word ‘prepaid’ does not appear anywhere on the card as it does with Serve.

    • Calvin R Shumaker

      Can’t be over drafted like bank free checking.

    • shellkb

      Prepaid cards come in handy for those who are either unable to open a bank account or just don’t want to open one.

    • Keith Studley

      Hey CT, the fact that on a checking account you can overdraft using a debit card, where a prepaid card, you can’t spend more than you put on it. Been through it, before, thats why I stopped dealing with banks. Even after telling them, Deny the debit card purchases if the full amount is not in the account, they still did it, and I did not have checks, so I don’t do the whole bank thing. I’ll stick with my prepaid cards, since there is no way to overdraft the accounts.

  • ctcushing

    I still just don’t understand the appeal of pre-paid debit cards. Most banks still offer free checking (if you use direct deposit) and you get a debit card Visa or Mastercard with no fees for purchases or in-network ATM withdrawals.

    What am I missing?

  • ctcushing

    I still just don’t understand the appeal of pre-paid debit cards. Most banks still offer free checking (if you use direct deposit) and you get a debit card Visa or Mastercard with no fees for purchases or in-network ATM withdrawals.

    What am I missing?

    • matthew

      They are used to increase consumer’s FICO scores. Basically, anyone can get one and if used responsibly can help a consumer to get a ‘real’ credit card in 6-12 months.

      • ctcushing

        That would make sense, except everything I read states that they do not report to the credit bureaus because they are truly just debit cards and not credit cards.

      • http://tonywebster.com/ Tony Webster

        This is 100% inaccurate. A prepaid card will NEVER report to your credit report or impact your credit score in any way. You are thinking of a ‘secured’ card, where you deposit money in a CD with a financial institution to secure an equal credit limit on a credit card. In that case, the word ‘prepaid’ does not appear anywhere on the card as it does with Serve.

    • Calvin R Shumaker

      Can’t be over drafted like bank free checking.

    • shellkb

      Prepaid cards come in handy for those who are either unable to open a bank account or just don’t want to open one.

    • Keith Studley

      Hey CT, the fact that on a checking account you can overdraft using a debit card, where a prepaid card, you can’t spend more than you put on it. Been through it, before, thats why I stopped dealing with banks. Even after telling them, Deny the debit card purchases if the full amount is not in the account, they still did it, and I did not have checks, so I don’t do the whole bank thing. I’ll stick with my prepaid cards, since there is no way to overdraft the accounts.

  • Kurtis Hartshorn

    Great Card. All the negative reviews are just because people are illiterate I guess and don’t read all the time restraints on loading and processing. Don’t pay any attention to the bad reviews. This is a great card. I know at least 15 other people personally that use this card in college and have absolutely no problem at all. Mainly because they read the limitations and restrictions unlike all these people posting negative comments.

    • alaska V V

      Kurtis that is ridiculous. It’s great you had a positive experience. I am telling you that I did not. I didn’t like the fact that I loaded a card and could not use it (but it was certainly stated that I could). Everything that was stated on the cover the card came in was not true. And now i am fighting to get my money back. I don’t like being lied to as a consumer. I also dislike the fact that they want me to send copies of my social security card and license. I felt it was a very invasive and shady experience. I just want my money back. I guess we will see.

      • Keith Studley

        Alaska, you are more than likely having issues with the Temporary card. Well, here is the thing. I used to have a Greendot card, that I purchased at my local 7-11. I had issues with the temporary card through them, as well as the Netspend card, Rush Card, ect. My advice, would be to wait the 7 days to get the personalized card in the mail and then give the card a fair shot.

  • Kurtis Hartshorn

    Great Card. All the negative reviews are just because people are illiterate I guess and don’t read all the time restraints on loading and processing. Don’t pay any attention to the bad reviews. This is a great card. I know at least 15 other people personally that use this card in college and have absolutely no problem at all. Mainly because they read the limitations and restrictions unlike all these people posting negative comments.

  • Kurtis Hartshorn

    Great Card. All the negative reviews are just because people are illiterate I guess and don’t read all the time restraints on loading and processing. Don’t pay any attention to the bad reviews. This is a great card. I know at least 15 other people personally that use this card in college and have absolutely no problem at all. Mainly because they read the limitations and restrictions unlike all these people posting negative comments.

    • alaska V V

      Kurtis that is ridiculous. It’s great you had a positive experience. I am telling you that I did not. I didn’t like the fact that I loaded a card and could not use it (but it was certainly stated that I could). Everything that was stated on the cover the card came in was not true. And now i am fighting to get my money back. I don’t like being lied to as a consumer. I also dislike the fact that they want me to send copies of my social security card and license. I felt it was a very invasive and shady experience. I just want my money back. I guess we will see.

      • Keith Studley

        Alaska, you are more than likely having issues with the Temporary card. Well, here is the thing. I used to have a Greendot card, that I purchased at my local 7-11. I had issues with the temporary card through them, as well as the Netspend card, Rush Card, ect. My advice, would be to wait the 7 days to get the personalized card in the mail and then give the card a fair shot.

        • mattvorwald

          Keith, no. I had the permanent card. Amex Serve cancelled $2400 worth of bill payments I had requested without notifying me in any way. Then they forced me to wait 10 business days before opening a dispute. It took 3 hours on the phone once they would finally discuss opening a case. At this point they are telling me someone will contact me in 3-5 business days to discuss the case. Meanwhile I don’t have access to my money, and my landlord doesn’t have the check that was my rent. Amex Serve customer service is possibly the worst of the worst when it comes to anything financial. Never had any experience like this before with any bank. They are fully incompetent, and people should rightly steer clear of the train wreck.

  • Calvin R Shumaker

    I’m impressed with what American Express is doing also but there’sa card I like even more. The bluebird card has no hidden fees. Free reload in network. Free atm withdraw in network. Plus set aside account. Plus paper checks. You preauthorize the check and the amount, it’s deducted from the balance so that there’s no chance of overdraft while the check clears. They also advertise same day availability with direct deposit. Downside I’ve noticed; there are a considerable number who don’t accept American Express.

    I don’t understand the$2.95 charge for online and retail purchases. I’ve never had a card chargea fee like that.

    Also I should note that most of the cards I’ve seen including my green dot waive monthly fees with direct deposit and have some sort of network for free atm withdrawals.

  • Calvin R Shumaker

    I’m impressed with what American Express is doing also but there’sa card I like even more. The bluebird card has no hidden fees. Free reload in network. Free atm withdraw in network. Plus set aside account. Plus paper checks. You preauthorize the check and the amount, it’s deducted from the balance so that there’s no chance of overdraft while the check clears. They also advertise same day availability with direct deposit. Downside I’ve noticed; there are a considerable number who don’t accept American Express.

    I don’t understand the$2.95 charge for online and retail purchases. I’ve never had a card chargea fee like that.

    Also I should note that most of the cards I’ve seen including my green dot waive monthly fees with direct deposit and have some sort of network for free atm withdrawals.

  • Calvin R Shumaker

    I’m impressed with what American Express is doing also but there’sa card I like even more. The bluebird card has no hidden fees. Free reload in network. Free atm withdraw in network. Plus set aside account. Plus paper checks. You preauthorize the check and the amount, it’s deducted from the balance so that there’s no chance of overdraft while the check clears. They also advertise same day availability with direct deposit. Downside I’ve noticed; there are a considerable number who don’t accept American Express.

    I don’t understand the$2.95 charge for online and retail purchases. I’ve never had a card chargea fee like that.

    Also I should note that most of the cards I’ve seen including my green dot waive monthly fees with direct deposit and have some sort of network for free atm withdrawals.

  • lcgqk3

    I have had several Serve cards – first, the original Serve, then my husband got the League of Legends version and opened a subaccount for me, then I finally closed my first Serve card and got my own League of Legends version. If you’re a LoL gamer, then the initial RP benefits are AMAZING! I mean, who would turn down 13,000 RP?? I love the ease of use with the phone app – sending and receiving money is a breeze, as well as setting up direct deposit. I have never encountered any direct deposit hold issues. One tip: if you plan to send money from your bank account, just use your debit card instead of sending from the account itself. Transferring money from a debit card is instantaneous vs. the several days it takes to post from the account.

  • lcgqk3

    I have had several Serve cards – first, the original Serve, then my husband got the League of Legends version and opened a subaccount for me, then I finally closed my first Serve card and got my own League of Legends version. If you’re a LoL gamer, then the initial RP benefits are AMAZING! I mean, who would turn down 13,000 RP?? I love the ease of use with the phone app – sending and receiving money is a breeze, as well as setting up direct deposit. I have never encountered any direct deposit hold issues. One tip: if you plan to send money from your bank account, just use your debit card instead of sending from the account itself. Transferring money from a debit card is instantaneous vs. the several days it takes to post from the account.

  • lcgqk3

    I have had several Serve cards – first, the original Serve, then my husband got the League of Legends version and opened a subaccount for me, then I finally closed my first Serve card and got my own League of Legends version. If you’re a LoL gamer, then the initial RP benefits are AMAZING! I mean, who would turn down 13,000 RP?? I love the ease of use with the phone app – sending and receiving money is a breeze, as well as setting up direct deposit. I have never encountered any direct deposit hold issues. One tip: if you plan to send money from your bank account, just use your debit card instead of sending from the account itself. Transferring money from a debit card is instantaneous vs. the several days it takes to post from the account.

  • BridgetTweeter

    Love the card BUT tried paying my bills on line with it and NO one is accepting it as a debit card and refuse to run it as a credit card. Will only use it as a card to pay for drinks.

    • http://www.sbadiyahaustin.com/ s. badiyah austin

      i’ve been using it as a credit card to pay bills online for the past 6 months. in fact, i use it so i don’t have to use my actual debit card….

  • BridgetTweeter

    Love the card BUT tried paying my bills on line with it and NO one is accepting it as a debit card and refuse to run it as a credit card. Will only use it as a card to pay for drinks.

  • @bridgetc

    Love the card BUT tried paying my bills on line with it and NO one is accepting it as a debit card and refuse to run it as a credit card. Will only use it as a card to pay for drinks.

    • http://www.sbadiyahaustin.com/ s. badiyah austin

      i’ve been using it as a credit card to pay bills online for the past 6 months. in fact, i use it so i don’t have to use my actual debit card….

  • Rodolfo Cortes

    bad service a nightmare, hold me money so I can not use and do not return it to me, do not solve anything by phone or the web, it’s like dealing with a ghost, Total desepcion, so far I have lost my money that I put in this prepaid card, not recommended at all.

    • asdf

      if you lost your money ofcourse you can sue them , its not lost you just dont know how to read and know what you are using its prepaid not debit or credit cards if u exceed limits on prepaid cards it will turn as a credit card by law !

  • Rodolfo Cortes

    bad service a nightmare, hold me money so I can not use and do not return it to me, do not solve anything by phone or the web, it’s like dealing with a ghost, Total desepcion, so far I have lost my money that I put in this prepaid card, not recommended at all.

  • Rodolfo Cortes

    bad service a nightmare, hold me money so I can not use and do not return it to me, do not solve anything by phone or the web, it’s like dealing with a ghost, Total desepcion, so far I have lost my money that I put in this prepaid card, not recommended at all.

    • asdf

      if you lost your money ofcourse you can sue them , its not lost you just dont know how to read and know what you are using its prepaid not debit or credit cards if u exceed limits on prepaid cards it will turn as a credit card by law !

  • miguel

    IM Trying to close my account and i received this message:

    Before Closing Your Account
    You must complete these steps before closing your Account. All scheduled and recurring sends will be cancelled upon closing.

    nothing after this. what steps?

  • miguel

    IM Trying to close my account and i received this message:

    Before Closing Your Account
    You must complete these steps before closing your Account. All scheduled and recurring sends will be cancelled upon closing.

    nothing after this. what steps?

  • miguel

    IM Trying to close my account and i received this message:

    Before Closing Your Account
    You must complete these steps before closing your Account. All scheduled and recurring sends will be cancelled upon closing.

    nothing after this. what steps?

  • Erin_818

    Excellent card. No other card in the world lets you deposit up to $100,000.00 into 1 single account but this card does. And just carrying any AMEX card (even a prepaid one) is a privilege because of AMEX’s history as being one of the best if not the best financial institutions around. Sort of like BMW’s slogan of their autos being “the ultimate driving machine”….AMEX…”the ultimate card issuer”. And AMEX won’t loose any sleep over you closing your account because they have more business that they can handle and you WILL NOT affect their market share :) Point being, stop whining!!!

  • Erin_818

    Excellent card. No other card in the world lets you deposit up to $100,000.00 into 1 single account but this card does. And just carrying any AMEX card (even a prepaid one) is a privilege because of AMEX’s history as being one of the best if not the best financial institutions around. Sort of like BMW’s slogan of their autos being “the ultimate driving machine”….AMEX…”the ultimate card issuer”. And AMEX won’t loose any sleep over you closing your account because they have more business that they can handle and you WILL NOT affect their market share :) Point being, stop whining!!!

  • Erin_818

    Excellent card. No other card in the world lets you deposit up to $100,000.00 into 1 single account but this card does. And just carrying any AMEX card (even a prepaid one) is a privilege because of AMEX’s history as being one of the best if not the best financial institutions around. Sort of like BMW’s slogan of their autos being “the ultimate driving machine”….AMEX…”the ultimate card issuer”. And AMEX won’t loose any sleep over you closing your account because they have more business that they can handle and you WILL NOT affect their market share :) Point being, stop whining!!!

  • Nancy Kwak

    Where can I find Money Pass ATMs?

  • Nancy Kwak

    Where can I find Money Pass ATMs?

  • Nancy Kwak

    Where can I find Money Pass ATMs?

  • William

    Anyone know if you can set up recurring transfers from the main account to sub-account? Bluebird does *not* let you do this. Customer service says yes, but I’m not sure I believe them. Thanks!

  • William

    Anyone know if you can set up recurring transfers from the main account to sub-account? Bluebird does *not* let you do this. Customer service says yes, but I’m not sure I believe them. Thanks!

  • William

    Anyone know if you can set up recurring transfers from the main account to sub-account? Bluebird does *not* let you do this. Customer service says yes, but I’m not sure I believe them. Thanks!

  • http://theextradollar.tk/ Julian Brennan

    Wow where is all this hatred in the comments coming from? I’ve been using this card for a time now and haven’t seen any of the problems described here! I use it to load with a credit card, get rid of surplus cash at different 7-Eleven and CVS locations and pay bills with it. I must admit that I don’t use it for direct deposits or purchases (this one is in my portfolio to MAKE me money not to spend it) but other than that it’s a great product. Customer service is very helpful, the online system is very easy to understand and to use. Show me another prepaid product with such low (read: non existent) fees and great features and we’ll talk again!

    • Sue

      How do you expect to make money from a pre-paid card?

      • Julian Brennan

        Seriously? You don’t expect me draw you the entire process of making money with this card on a piece of paper? http://bit.ly/1vLkT0k

    • Keith Studley

      Julian, I agree with you completely. and as far as Sue, Try paying very little in fees with other cards, that is where she means about making money. As the saying goes, a penny saved is a penny earned.

  • http://theextradollar.tk/ Julian Brennan

    Wow where is all this hatred in the comments coming from? I’ve been using this card for a time now and haven’t seen any of the problems described here! I use it to load with a credit card, get rid of surplus cash at different 7-Eleven and CVS locations and pay bills with it. I must admit that I don’t use it for direct deposits or purchases (this one is in my portfolio to MAKE me money not to spend it) but other than that it’s a great product. Customer service is very helpful, the online system is very easy to understand and to use. Show me another prepaid product with such low (read: non existent) fees and great features and we’ll talk again!

  • Julian Brennan

    Wow where is all this hatred in the comments coming from? I’ve been using this card for a time now and haven’t seen any of the problems described here! I use it to load with a credit card, get rid of surplus cash at different 7-Eleven and CVS locations and pay bills with it. I must admit that I don’t use it for direct deposits or purchases (this one is in my portfolio to MAKE me money not to spend it) but other than that it’s a great product. Customer service is very helpful, the online system is very easy to understand and to use. Show me another prepaid product with such low (read: non existent) fees and great features and we’ll talk again!

    • Sue

      How do you expect to make money from a pre-paid card?

      • Julian Brennan

        Seriously? You don’t expect me draw you the entire process of making money with this card on a piece of paper? http://bit.ly/1vLkT0k

    • Keith Studley

      Julian, I agree with you completely. and as far as Sue, Try paying very little in fees with other cards, that is where she means about making money. As the saying goes, a penny saved is a penny earned.

      • ChristyandKeith Fobert

        I agree I got my card back in November 2014, and have had no issues with it… I had my tax refund deposited to the card and had no issues there … Customer service has been very helpful

  • alaska V V

    I almost busted a vessel from buying and loading this card today. Worst experience ever… #AmericanExpressServeCard is absolutely horrible. No wonder #walgreens had to mark them down. All i know is i thought it was going to be a great purchase but as the day closed to the end It became a nightmare. And now all i want is my money back and i had to beg for the promise of my money to come in the mail. It was an all around shady sketchy experience.

    • asdf

      then get credit card not prepaid cards .. wonder why expecting too much for such prepaid card ofcourse it wil have a limit specially for money laundring and its within a law.. learn to read 1st before purchasin and complainin..its shows what kind of person you guys are lol

      • Fulecha Pope

        I feel if I put my money on a prepaid card I should be able to get as much of the damn thing as I want it’s not barrowed like a credit card

        • Anonymous

          Your right , but Serve doesn’t work that way.

  • alaska V V

    I almost busted a vessel from buying and loading this card today. Worst experience ever… #AmericanExpressServeCard is absolutely horrible. No wonder #walgreens had to mark them down. All i know is i thought it was going to be a great purchase but as the day closed to the end It became a nightmare. And now all i want is my money back and i had to beg for the promise of my money to come in the mail. It was an all around shady sketchy experience.

  • alaska V V

    I almost busted a vessel from buying and loading this card today. Worst experience ever… #AmericanExpressServeCard is absolutely horrible. No wonder #walgreens had to mark them down. All i know is i thought it was going to be a great purchase but as the day closed to the end It became a nightmare. And now all i want is my money back and i had to beg for the promise of my money to come in the mail. It was an all around shady sketchy experience.

    • asdf

      then get credit card not prepaid cards .. wonder why expecting too much for such prepaid card ofcourse it wil have a limit specially for money laundring and its within a law.. learn to read 1st before purchasin and complainin..its shows what kind of person you guys are lol

      • Fulecha Pope

        I feel if I put my money on a prepaid card I should be able to get as much of the damn thing as I want it’s not barrowed like a credit card

        • Anonymous

          Your right , but Serve doesn’t work that way.

  • Sue

    Horrible card and even worse customer service! I have my paycheck directly deposited to this card but can not access cash of more than $600-$800 at a time. That all depends on the ATM I find. Which is another headache. The ATM’s in their network are few and far between. I once drove 3 miles to get to the closest one to my home…it was broken. I drove another 2 miles to the next closest one but it would only allow me to take $200 at a time. I did that 3 times then maxed out the amount allowed from that location. Another ATM location didn’t exist at all! Wasted time driving there.

    Once I needed to get a money order for $1,200 but Walmart (Serve’s business partner) would not allow me to use the card as a debit. I can’t get that much cash out of the ATM system in one day so I was screwed.

    I’ve tried bill pay. That doesn’t work either. The bill pay tells me I don’t have the correct account number and/or zip code. Uh….yes, I do.

    Since these headaches make it difficult to access my money I thought I would try Bluebird. Well…you can’t have a Bluebird account AND Serve. WTF? Why not. One is simply a prepaid card where the other is online banking.

    I’m with Bridget Tweeter – use for drinks only!

    • yoda74

      The expectation of have a prepaid debit card should not equal that of having a bank account. The card works fine and does all that AMEX advertises, but it’s when users try to or expect from this card to be used out of its scope when I see negative comments. If you buy a Kia don’t expect it to perform as a Porche and then complain.

      • Sue

        The card did not work fine. And it does not do as AMEX advertises. How is getting cash from an ATM expecting something out of the scope of a pre-paid card? How is expecting the advertised ATM locations to be there too much to expect? If I buy a Kia I expect a Kia! AMEX has failed miserably with this one. I’ve gone back to Wells Fargo for all my banking needs and have been very happy there.

  • Sue

    Horrible card and even worse customer service! I have my paycheck directly deposited to this card but can not access cash of more than $600-$800 at a time. That all depends on the ATM I find. Which is another headache. The ATM’s in their network are few and far between. I once drove 3 miles to get to the closest one to my home…it was broken. I drove another 2 miles to the next closest one but it would only allow me to take $200 at a time. I did that 3 times then maxed out the amount allowed from that location. Another ATM location didn’t exist at all! Wasted time driving there.

    Once I needed to get a money order for $1,200 but Walmart (Serve’s business partner) would not allow me to use the card as a debit. I can’t get that much cash out of the ATM system in one day so I was screwed.

    I’ve tried bill pay. That doesn’t work either. The bill pay tells me I don’t have the correct account number and/or zip code. Uh….yes, I do.

    Since these headaches make it difficult to access my money I thought I would try Bluebird. Well…you can’t have a Bluebird account AND Serve. WTF? Why not. One is simply a prepaid card where the other is online banking.

    I’m with Bridget Tweeter – use for drinks only!

  • Sue

    Horrible card and even worse customer service! I have my paycheck directly deposited to this card but can not access cash of more than $600-$800 at a time. That all depends on the ATM I find. Which is another headache. The ATM’s in their network are few and far between. I once drove 3 miles to get to the closest one to my home…it was broken. I drove another 2 miles to the next closest one but it would only allow me to take $200 at a time. I did that 3 times then maxed out the amount allowed from that location. Another ATM location didn’t exist at all! Wasted time driving there.

    Once I needed to get a money order for $1,200 but Walmart (Serve’s business partner) would not allow me to use the card as a debit. I can’t get that much cash out of the ATM system in one day so I was screwed.

    I’ve tried bill pay. That doesn’t work either. The bill pay tells me I don’t have the correct account number and/or zip code. Uh….yes, I do.

    Since these headaches make it difficult to access my money I thought I would try Bluebird. Well…you can’t have a Bluebird account AND Serve. WTF? Why not. One is simply a prepaid card where the other is online banking.

    I’m with Bridget Tweeter – use for drinks only!

    • yoda74

      The expectation of have a prepaid debit card should not equal that of having a bank account. The card works fine and does all that AMEX advertises, but it’s when users try to or expect from this card to be used out of its scope when I see negative comments. If you buy a Kia don’t expect it to perform as a Porche and then complain.

      • Sue

        The card did not work fine. And it does not do as AMEX advertises. How is getting cash from an ATM expecting something out of the scope of a pre-paid card? How is expecting the advertised ATM locations to be there too much to expect? If I buy a Kia I expect a Kia! AMEX has failed miserably with this one. I’ve gone back to Wells Fargo for all my banking needs and have been very happy there.

  • Clint Woo

    can my parents add their credit card to my serve account?

  • Clint Woo

    can my parents add their credit card to my serve account?

  • Clint Woo

    can my parents add their credit card to my serve account?

  • unknow

    BEWARE!!! DO NOT GET THIS CARD!!!! THEY WILL CLOSE YOUR ACCOUNT FOR NO REASON AND KEEP YOUR MONEY!!!! THE GIVE YOU THE RUN AROUND AND TELL YOU NOTHING!!! I STILL HAVE NOT GOT MY MONEY FROM THEM!!!! THIS IS A BAD CARD!!! WOW AMERICAN EXPRESS!!! WAY TO STICK YOUR FOOT IN YOUR MOUTH!!!!

    • http://twitter.com/cleverideanet cleveridea

      It is the all caps that makes me know you speak the truth.

    • Keith Studley

      Unknow, I have been using this card since April with no issues. If they closed out your account, you may not have passed a government required id check. It will probably take 4 to 6 weeks for you to get your money back from them, you just need to be patient and see.

    • Anonymous

      YES !!!! you are so right Same with us CLOSED and has yet to give us OUR MONEY. THE CARD IS VERY BAD !!!!

  • unknow

    BEWARE!!! DO NOT GET THIS CARD!!!! THEY WILL CLOSE YOUR ACCOUNT FOR NO REASON AND KEEP YOUR MONEY!!!! THE GIVE YOU THE RUN AROUND AND TELL YOU NOTHING!!! I STILL HAVE NOT GOT MY MONEY FROM THEM!!!! THIS IS A BAD CARD!!! WOW AMERICAN EXPRESS!!! WAY TO STICK YOUR FOOT IN YOUR MOUTH!!!!

  • unknow

    BEWARE!!! DO NOT GET THIS CARD!!!! THEY WILL CLOSE YOUR ACCOUNT FOR NO REASON AND KEEP YOUR MONEY!!!! THE GIVE YOU THE RUN AROUND AND TELL YOU NOTHING!!! I STILL HAVE NOT GOT MY MONEY FROM THEM!!!! THIS IS A BAD CARD!!! WOW AMERICAN EXPRESS!!! WAY TO STICK YOUR FOOT IN YOUR MOUTH!!!!

    • http://twitter.com/cleverideanet cleveridea

      It is the all caps that makes me know you speak the truth.

    • Keith Studley

      Unknow, I have been using this card since April with no issues. If they closed out your account, you may not have passed a government required id check. It will probably take 4 to 6 weeks for you to get your money back from them, you just need to be patient and see.

    • Anonymous

      YES !!!! you are so right Same with us CLOSED and has yet to give us OUR MONEY. THE CARD IS VERY BAD !!!!

  • Danny

    Why would anybody use this card in the first place? Why not just get a bank account?

  • Danny

    Why would anybody use this card in the first place? Why not just get a bank account?

  • Danny

    Why would anybody use this card in the first place? Why not just get a bank account?

  • Kay Jay

    I love this card. I use this for my business which accepts everything from cash to credit cards. I mainly deal with cash. Each night I make a deposit for free at cvs 6 blocks up. instead of in pocket. I have been noticing me saving more in this mere 3 weeks. Also started a reserve account. Wish that I couldn’t see it on the front. Out of sight out of mind.Can you create a hidden account lol.

  • Kay Jay

    I love this card. I use this for my business which accepts everything from cash to credit cards. I mainly deal with cash. Each night I make a deposit for free at cvs 6 blocks up. instead of in pocket. I have been noticing me saving more in this mere 3 weeks. Also started a reserve account. Wish that I couldn’t see it on the front. Out of sight out of mind.Can you create a hidden account lol.

  • Kay Jay

    I love this card. I use this for my business which accepts everything from cash to credit cards. I mainly deal with cash. Each night I make a deposit for free at cvs 6 blocks up. instead of in pocket. I have been noticing me saving more in this mere 3 weeks. Also started a reserve account. Wish that I couldn’t see it on the front. Out of sight out of mind.Can you create a hidden account lol.

  • Rico Ruiz

    I’m surprised to read so many negative comments about Serve. I will say that it is in no way a replacement for a standard checking account. If that was your expectation, I can understand some of the frustrations. I initially got this card as a way to make sure my nephew has money when he needs it while he is away at college. I use my Serve card instead of my regular American Express card for some online purchases and for most of my recurring monthly bills. For that, it works perfectly. As for customer service, I have had nothing but positive experiences with my regular AMEX account as well as my Serve account.

  • Rico Ruiz

    I’m surprised to read so many negative comments about Serve. I will say that it is in no way a replacement for a standard checking account. If that was your expectation, I can understand some of the frustrations. I initially got this card as a way to make sure my nephew has money when he needs it while he is away at college. I use my Serve card instead of my regular American Express card for some online purchases and for most of my recurring monthly bills. For that, it works perfectly. As for customer service, I have had nothing but positive experiences with my regular AMEX account as well as my Serve account.

  • Rico Ruiz

    I’m surprised to read so many negative comments about Serve. I will say that it is in no way a replacement for a standard checking account. If that was your expectation, I can understand some of the frustrations. I initially got this card as a way to make sure my nephew has money when he needs it while he is away at college. I use my Serve card instead of my regular American Express card for some online purchases and for most of my recurring monthly bills. For that, it works perfectly. As for customer service, I have had nothing but positive experiences with my regular AMEX account as well as my Serve account.

  • Fulecha Pope

    I will never buy this card ever again it’s the worst card ever I had my tax refund put on this card and I was sitting at a car lot to buy a car well the car lot don’t take American express so I called then and asked how to get my money rite then we’ll let’s just say I have been waiting for 4 days and can’t touch my money because they clan they can not up my limit for one or two day.

    • Anonymous

      They are the WORST CARD !! I know what your sayin. !!!

  • Fulecha Pope

    I will never buy this card ever again it’s the worst card ever I had my tax refund put on this card and I was sitting at a car lot to buy a car well the car lot don’t take American express so I called then and asked how to get my money rite then we’ll let’s just say I have been waiting for 4 days and can’t touch my money because they clan they can not up my limit for one or two day.

  • Fulecha Pope

    I will never buy this card ever again it’s the worst card ever I had my tax refund put on this card and I was sitting at a car lot to buy a car well the car lot don’t take American express so I called then and asked how to get my money rite then we’ll let’s just say I have been waiting for 4 days and can’t touch my money because they clan they can not up my limit for one or two day.

    • katina

      I agree with you completely i have similar problem i had my tax refund put on my serve card and when i tried to pay off some of my bills i found out that no one excepts AE OR SERVE . i tried to transfer funds to another prepaid card that i have and they wouldnt do it so my electricity was turned off. Thanks to serve and bills here paid late. Its my money and i feel that if i want it then no one has the right to keep it from me i earned that money not serve

    • Anonymous

      They are the WORST CARD !! I know what your sayin. !!!

  • Paul Michael Carr

    I have had my serve card for about 6 months and I really do love it. I am able to send and receive money with family easily, get direct deposit, its inexpensive and they have really great customer service. I highly recommend it.

  • Paul Michael Carr

    I have had my serve card for about 6 months and I really do love it. I am able to send and receive money with family easily, get direct deposit, its inexpensive and they have really great customer service. I highly recommend it.

  • Paul Michael Carr

    I have had my serve card for about 6 months and I really do love it. I am able to send and receive money with family easily, get direct deposit, its inexpensive and they have really great customer service. I highly recommend it.

  • katina

    I agree with you completely i have similar problem i had my tax refund put on my serve card and when i tried to pay off some of my bills i found out that no one excepts AE OR SERVE . i tried to transfer funds to another prepaid card that i have and they wouldnt do it so my electricity was turned off. Thanks to serve and bills here paid late. Its my money and i feel that if i want it then no one has the right to keep it from me i earned that money not serve

  • katina

    I agree with you completely i have similar problem i had my tax refund put on my serve card and when i tried to pay off some of my bills i found out that no one excepts AE OR SERVE . i tried to transfer funds to another prepaid card that i have and they wouldnt do it so my electricity was turned off. Thanks to serve and bills here paid late. Its my money and i feel that if i want it then no one has the right to keep it from me i earned that money not serve

  • Yelena Milskaya

    I had this card for a coupe of months now and I must say it was a mistake to get it. Yes, reloading the card is somewhat easy – Seven Eleven etc… But if you try to do something advanced, like getting a money transfer from someone not in the Serve system, you’ll be disappointed. No such option exists. The Direct Deposit option is no good for this (and frankly, it wasn’t any good for my employer, who refused to do a Direct Deposit because “Serve” is not a “real bank” and their direct deposit info is not accepted by most corporations when it comes to payroll). So, if you are looking for a truly versatile prepaid card, keep looking!

  • Yelena Milskaya

    I had this card for a coupe of months now and I must say it was a mistake to get it. Yes, reloading the card is somewhat easy – Seven Eleven etc… But if you try to do something advanced, like getting a money transfer from someone not in the Serve system, you’ll be disappointed. No such option exists. The Direct Deposit option is no good for this (and frankly, it wasn’t any good for my employer, who refused to do a Direct Deposit because “Serve” is not a “real bank” and their direct deposit info is not accepted by most corporations when it comes to payroll). So, if you are looking for a truly versatile prepaid card, keep looking!

  • Yelena Milskaya

    I had this card for a coupe of months now and I must say it was a mistake to get it. Yes, reloading the card is somewhat easy – Seven Eleven etc… But if you try to do something advanced, like getting a money transfer from someone not in the Serve system, you’ll be disappointed. No such option exists. The Direct Deposit option is no good for this (and frankly, it wasn’t any good for my employer, who refused to do a Direct Deposit because “Serve” is not a “real bank” and their direct deposit info is not accepted by most corporations when it comes to payroll). So, if you are looking for a truly versatile prepaid card, keep looking!

  • mattvorwald

    Keith, no. I had the permanent card. Amex Serve cancelled $2400 worth of bill payments I had requested without notifying me in any way. Then they forced me to wait 10 business days before opening a dispute. It took 3 hours on the phone once they would finally discuss opening a case. At this point they are telling me someone will contact me in 3-5 business days to discuss the case. Meanwhile I don’t have access to my money, and my landlord doesn’t have the check that was my rent. Amex Serve customer service is possibly the worst of the worst when it comes to anything financial. Never had any experience like this before with any bank. They are fully incompetent, and people should rightly steer clear of the train wreck.

  • mattvorwald

    Keith, no. I had the permanent card. Amex Serve cancelled $2400 worth of bill payments I had requested without notifying me in any way. Then they forced me to wait 10 business days before opening a dispute. It took 3 hours on the phone once they would finally discuss opening a case. At this point they are telling me someone will contact me in 3-5 business days to discuss the case. Meanwhile I don’t have access to my money, and my landlord doesn’t have the check that was my rent. Amex Serve customer service is possibly the worst of the worst when it comes to anything financial. Never had any experience like this before with any bank. They are fully incompetent, and people should rightly steer clear of the train wreck.

  • IrishMama

    This is the WORST card ever. They allow you to load up to $100,000 a year and spend $100,000 a year. However, you CANNOT spend more than $15,000 a month. Once you hit that limit they won’t give you any more money from YOUR account. So I used it for travel and got a bonus added to it. Now that I got my paycheck direct deposited I need to get my money transferred to my bank. Nope! Not this month! They are holding my money and will not allow me to withdraw it from my account until April1! BS! Don’t ever do business with American Express they are theives.

    • Mia

      I can’t wait to see how it feels to be pissed off because I have reached my spending limit of $15,000.00 a month.

  • IrishMama

    This is the WORST card ever. They allow you to load up to $100,000 a year and spend $100,000 a year. However, you CANNOT spend more than $15,000 a month. Once you hit that limit they won’t give you any more money from YOUR account. So I used it for travel and got a bonus added to it. Now that I got my paycheck direct deposited I need to get my money transferred to my bank. Nope! Not this month! They are holding my money and will not allow me to withdraw it from my account until April1! BS! Don’t ever do business with American Express they are theives.

  • IrishMama

    This is the WORST card ever. They allow you to load up to $100,000 a year and spend $100,000 a year. However, you CANNOT spend more than $15,000 a month. Once you hit that limit they won’t give you any more money from YOUR account. So I used it for travel and got a bonus added to it. Now that I got my paycheck direct deposited I need to get my money transferred to my bank. Nope! Not this month! They are holding my money and will not allow me to withdraw it from my account until April1! BS! Don’t ever do business with American Express they are theives.

    • Mia

      I can’t wait to see how it feels to be pissed off because I have reached my spending limit of $15,000.00 a month.

  • REAPERSOFTHEGRIMMS

    lol The “demon of the desert” gives instruction on where to get your money.

  • ChristyandKeith Fobert

    I agree I got my card back in November 2014, and have had no issues with it… I had my tax refund deposited to the card and had no issues there … Customer service has been very helpful

  • ChristyandKeith Fobert

    I agree I got my card back in November 2014, and have had no issues with it… I had my tax refund deposited to the card and had no issues there … Customer service has been very helpful

  • Mia

    I use this card in lieu of my credit cards or cash. I got the Amex Serve to keep my spending habits under control. It’s great for booking hotels, spa appointments, and especially reacquiring monthly debits such as gym memberships. I use the Serve Card to keep from having my credit cards being kept on file. The recent credit card security breaches at major retailers and companies has made me rethink allowing my credit card information being kept on file.

    I feel more in control of my finances. Since identity theft is the crime of choice, I feel more secure using the Serve Card because I preload what I will use or what is needed at the time of purchase. I do not substitute the card for a checking account. I do not load large sums of cash or have direct deposits post to my card. There is nothing wrong with that but do your homework. Understand how to use the card. Before making purchases make sure they accept Amex. As far as the limitations I am reading about regarding atm withdrawals, making purchases, and money withdrawals all financial institutions have a withdrawal and purchase limitations for your protection to prevent fraud.

    As for the atm fees I’m reading about. My bank has a fee if I use the atm at any location other than theirs. The other institution will charge a fee as well. From what I am reading I think there is a lack of understanding of what the Amex Card is, how it works, and how it should be used.

  • Mia

    I use this card in lieu of my credit cards or cash. I got the Amex Serve to keep my spending habits under control. It’s great for booking hotels, spa appointments, and especially reacquiring monthly debits such as gym memberships. I use the Serve Card to keep from having my credit cards being kept on file. The recent credit card security breaches at major retailers and companies has made me rethink allowing my credit card information being kept on file.

    I feel more in control of my finances. Since identity theft is the crime of choice, I feel more secure using the Serve Card because I preload what I will use or what is needed at the time of purchase. I do not substitute the card for a checking account. I do not load large sums of cash or have direct deposits post to my card. There is nothing wrong with that but do your homework. Understand how to use the card. Before making purchases make sure they accept Amex. As far as the limitations I am reading about regarding atm withdrawals, making purchases, and money withdrawals all financial institutions have a withdrawal and purchase limitations for your protection to prevent fraud.

    As for the atm fees I’m reading about. My bank has a fee if I use the atm at any location other than theirs. The other institution will charge a fee as well. From what I am reading I think there is a lack of understanding of what the Amex Card is, how it works, and how it should be used.

  • Mia

    I use this card in lieu of my credit cards or cash. I got the Amex Serve to keep my spending habits under control. It’s great for booking hotels, spa appointments, and especially reacquiring monthly debits such as gym memberships. I use the Serve Card to keep from having my credit cards being kept on file. The recent credit card security breaches at major retailers and companies has made me rethink allowing my credit card information being kept on file.

    I feel more in control of my finances. Since identity theft has become the crime of choice, I feel more secure using the Serve Card because I preload what I will use or what is needed at the time of purchase. I do not substitute the card for a checking account. I do not load large sums of cash or have direct deposits post to my card. There is nothing wrong with that but do your homework. Understand how to use the card. Before making purchases make sure they accept Amex. As far as the limitations I am reading about regarding atm withdrawals, making purchases, and money withdrawals all financial institutions have a withdrawal and purchase limitations for your protection to prevent fraud.

    As for the atm fees I’m reading about. My bank has a fee if I use the atm at any location other than theirs. The other institution will charge a fee as well. From what I am reading I think there is a lack of understanding of what the Amex Card is, how it works, and how it should be used.

  • Adam Johnson

    Worst customer service I have ever experienced. They would not approve me to connect my external checking account to transfer funds because I don’t have a US passport or drivers license. I closed the account with zero funds in it. Support agents were rude, unhelpful and not aware of the card policies. To speak to a supervisor you have to wait up to 48 hours. I strongly do not recommend.

  • Adam Johnson

    Worst customer service I have ever experienced. They would not approve me to connect my external checking account to transfer funds because I don’t have a US passport or drivers license. I closed the account with zero funds in it. Support agents were rude, unhelpful and not aware of the card policies. To speak to a supervisor you have to wait up to 48 hours. I strongly do not recommend.

  • Adam Johnson

    Worst customer service I have ever experienced. They would not approve me to connect my external checking account to transfer funds because I don’t have a US passport or drivers license. I closed the account with zero funds in it. Support agents were rude, unhelpful and not aware of the card policies. To speak to a supervisor you have to wait up to 48 hours. I strongly do not recommend.

  • Anonymous

    The worst card right now is the American Express Serve Card, who ever has one
    needs to be aware of how they handle YOUR MONEY. They do not in anyway shape or form look out for your BEST INTEREST. When we first got the card we thought it was awesome. OMG how wrong we were. They CLOSED our account without any warning and kept our MONEY lots of it. I have called several times in one day and still NO EXPLANATION. I have called all the numbers that are connected to AMERICAN EXPRESS name and they will hang up on me. I’m in the process of contacting my states Senator and the Governor of Virginia. These cards are not REGULATED by anyone, so in turn they have the control to do WHATEVER they want. And another thing we have a company named AMERICAN EXPRESS and every person you talk to is a FOREIGNER and the call centers are in other countries. They are just sitting back laughing at us no doubt.

    • Leekelo

      Your story can be summed up in one word: Bullsh*t!

  • Anonymous

    The worst card right now is the American Express Serve Card, who ever has one
    needs to be aware of how they handle YOUR MONEY. They do not in anyway shape or form look out for your BEST INTEREST. When we first got the card we thought it was awesome. OMG how wrong we were. They CLOSED our account without any warning and kept our MONEY lots of it. I have called several times in one day and still NO EXPLANATION. I have called all the numbers that are connected to AMERICAN EXPRESS name and they will hang up on me. I’m in the process of contacting my states Senator and the Governor of Virginia. These cards are not REGULATED by anyone, so in turn they have the control to do WHATEVER they want. And another thing we have a company named AMERICAN EXPRESS and every person you talk to is a FOREIGNER and the call centers are in other countries. They are just sitting back laughing at us no doubt.

  • Dany

    I used to LOVE this Bluebird card and even had my direct deposits going into it. Yesterday, I load it with 300 and it STILL had a previous balance from the last direct deposit. I go home and try to order something online and it says denied and to call the number posted. I call the number posted and they tell me that the card has been closed due to a violation of the member agreement and they don’t know anything because the case is being reviewed by the ‘back office’. This entity supposedly has no phone or existence in their head offices! They won’t release the funds I had deposited NOT an hour before that and all the email says is that I violated Section 22D of the member agreement which is SO VAGUE that it could have been done because someone is having a bad day. I don’t know what is going on with the funds now and they said they will or will not contact me in 7-10 days. I don’t know who else to contact about it but I’m planning on calling them twice a day and 4X the next day and so forth until I get answer. If you don’t mind having your money seized by some unknown ‘back office’ group whenever they feel like it then by all means keep using the card and be sure to leave lots of funds on it!

  • Dany

    I used to LOVE this Bluebird card and even had my direct deposits going into it. Yesterday, I load it with 300 and it STILL had a previous balance from the last direct deposit. I go home and try to order something online and it says denied and to call the number posted. I call the number posted and they tell me that the card has been closed due to a violation of the member agreement and they don’t know anything because the case is being reviewed by the ‘back office’. This entity supposedly has no phone or existence in their head offices! They won’t release the funds I had deposited NOT an hour before that and all the email says is that I violated Section 22D of the member agreement which is SO VAGUE that it could have been done because someone is having a bad day. I don’t know what is going on with the funds now and they said they will or will not contact me in 7-10 days. I don’t know who else to contact about it but I’m planning on calling them twice a day and 4X the next day and so forth until I get answer. If you don’t mind having your money seized by some unknown ‘back office’ group whenever they feel like it then by all means keep using the card and be sure to leave lots of funds on it!

  • Anonymous

    Looks like you comment on a lot of things . Your opinion really doesn’t impress me. That old saying everybody has one, well you know what I’m getting at ! Have a Great Day and enjoy your Am Ex Card while you can :)