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Benefits of banking without all the fees.sm
Bluebird can help take the stress out of money management, with features like:
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Direct Deposit
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ATM Access
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Mobile Check Capture
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Membership Benefits
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Bill Pay
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Family Accounts
Bluebird is not a bank account and is not issued by a bank. Comparison based on published checking account features and fees at the 20 largest U.S. banks. See our fee chart (Opens in modal window) .
Money held in registered Bluebird Accounts is eligible for FDIC pass-through insurance coverage. Temporary Card funds are not FDIC insured. For more information, please visit Bluebird.com/FDIC.
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Send money to anyone from anywhere for as little as $4.
Cash is ready for pickup at Walmart in minutes.
Learn MoreMoney Transfer Learn More
Recipient must be 18 years or older1. -
Get your paycheck
up to 2 days faster^
with Direct Deposit.-
Convenient
Your funds are automatically added to your Account—no more waiting in lines to cash or deposit checks.
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Flexible
Add all or part of your paycheck or government benefits, and change your selections at any time.#
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Free
It’s free to set up and use Bluebird Direct Deposit.
^Faster access compared to standard payday electronic deposit and subject to your employer submitting paycheck information to the bank before payday. Your employer may not submit paycheck information early.
#Direct Deposit changes may take up to 1-2 pay periods to take effect. -
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Cash your checks in minutes!
Mobile Check Capture by Ingo® Money.
Cash your checks to your Account with the Bluebird Mobile app. Access your money in minutes for a fee or in 10 days for free if your check is not returned unpaid2.
Learn Moreabout Amex Offers -
Watch Bluebird in Action
Check out these videos to learn more about the great features that come with a Bluebird Account.
Get started now.
Virtually all Bluebird features are free. See for yourself.
- No Monthly Fees
- No Overdraft Fees
- Free Direct Deposit
- Free Bill Pay
Bluebird was mentioned in a CardRates.com article.
Using Bluebird
From shopping to paying bills, Bluebird is there for you — virtually anywhere that American Express® Cards are accepted.
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Shop Securely at No Additional Charge
Enjoy Card Membership benefits such as Purchase Protection◆ and Fraud Protection* when making purchases online or in store with Bluebird.
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Access Your Cash
Get free ATM access* at over 30,000 MoneyPass® ATM locations. You can also pick up cash at over 4,500 Walmart® stores with Cash Pickup Powered by Ria®*.
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Send Money
Send money to anyone with Bluebird2Walmart Money Transfer* Powered by Ria® (Learn More). You can send money for free between Bluebird Accounts.
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Pay Your Bills
Pay your phone, car, housing or any other bill with your Bluebird Card, online Bill Pay or Bluebird Checks.
Adding Funds
There are plenty of free and easy ways to add funds to your Account.
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Direct Deposit
Enroll in Direct Deposit, and get access to your money up to 2 days faster*.
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Cash at Walmart
Add funds with cash or debit for free at virtually any Walmart checkout register. Or add cash at other participating retailers* for a fee.
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Debit Card Transfers
Link your debit card to your Account to easily transfer funds to Bluebird.
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Mobile Check Capture
Cash your checks to your Account with the Bluebird Mobile App using Mobile Check Capture by Ingo® Money. Access your money in 10 days for free if your check is not returned unpaid or in minutes* for a fee.
Use Bluebird’s helpful tools to manage your money from anywhere.
Family Accounts
Managing family expenses can be a breeze with Bluebird. Give up to 4 Cards to anyoneanyone* you choose, then easily set limits on spending, ATM access, and more.
SetAside® Accounts
Put money away for future spending needs—like a family vacation, holiday shopping, or even a rainy day. Transfer funds online or from the Mobile App*, and even set up automatic recurring transfers.
Personal Financial Management
Managing your finances has never been easier. With Insights, you can categorize, track, and set spending limits.
Bluebird Mobile App
Easily manage your Account wherever you are—at home or on the go. Quickly check your balance, pay bills, add funds, and more.
Bluebird provides Card Membership benefits from American Express.
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Purchase Protection◆
Purchase Protection◆
Details:
Shop with added confidence and Purchase Protection◆, which can help protect eligible purchases made with the Card against accidental damage and theft for up to 90 days from date of purchase. Please read important exclusions and restrictions.
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Fraud Protection
Fraud Protection
Details:
If your Bluebird Card is lost or stolen, we protect you against fraudulent purchases.
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Amex Offers
Amex Offers
Details:
Amex Offers you valuable savings for shopping, dining and more at places you love.
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Customer Service
Customer Service
Details:
You’ll have twenty-four seven24/7 access to world-class American Express Customer Service.
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Roadside Assistance
Roadside Assistance
Details:
You can call us in case of emergency for coordination and assistance services*assistance services. to help get you on your way. Card Members are responsible for third-party service costs. There are some vehicle exclusions and other important restrictions.
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Emergency Assistance
Emergency Assistance
Details:
You can get access to select emergency coordination and assistance services* when you’re traveling more than 100 miles from home. Card Members are responsible for the costs charged by third-party service providers.
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American Express Experiences
American Express Experiences
Details:
Get access* to some of the hottest events in sports and entertainment.
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Watch the Membership Benefits video
Bluebird is there when you need it, wherever you go. Open An Account Register Your Card
1 The Bluebird2Walmart Money Transfer service is provided by Ria (defined below) pursuant to Ria's Terms and Conditions and Ria's Privacy Policy and the Bluebird® by American Express Member Agreement. Pickup is available in all 50 United States and Puerto Rico. The daily money transfer limit is $2,500 across all of your Bluebird Accounts. A fee of $4 for each money transfer up to $50, $8 for each money transfer of $50.01-$1,000, and $16 for each money transfer of $1,000.01-$2,500 applies. Other limits and terms and conditions apply. Visit bluebird.com/moneytransfer for complete details.
Bluebird Money Transfer orders can be picked up during Walmart store hours (typically 8:00 a.m. to 8:00 p.m. local time Monday through Saturday and 10:00 a.m. to 6:00 p.m. Sunday, but hours may vary) at any Walmart MoneyCenter or customer service desk in the State or territory you specified in your order. To pick up a Bluebird2Walmart Money Transfer, your recipient must be at least 18 years of age and present a valid government-issued photo ID and pickup reference number. Your recipient may be required to provide proof of address if his or her ID does not contain their address or contains a P.O. Box. Recipients in NM, OK and AZ may additionally be required to provide social security number/ITIN and occupation.
Ria is a registered trademark of Continental Exchange Solutions, Inc. dba Ria Financial Services, licensed as a Money Transmitter by the Department of Financial Services of the State of New York; licensed by the Georgia Department of Banking and Finance, NMLS ID 920968, LICENSE NUMBER 18943; and authorized independently or through its affiliate, Ria Financial Services Puerto Rico, Inc. OCIF LICENSE NUMBER TM-031, to operate as a Money Transmitter in all United States' jurisdictions where it conducts business. American Express Travel Related Services Company, Inc. is not responsible for Ria's acts or omissions in its provision of Bluebird2Walmart Money Transfer services.
2 The Mobile Check Capture by Ingo Money service is provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and the First Century Bank and Ingo Money Privacy Policy. All checks are subject to approval for funding in Ingo Money’s sole discretion. Approval usually takes 3 to 5 minutes but can take up to one hour. Fees apply for approved Money in Minutes transactions funded to your Account. See bluebird.com/fees for details. Additional terms and conditions and limits are associated with your use of the Mobile Check Capture by Ingo Money service through the Bluebird Mobile app. See bluebird.com/legal for details. Data rates may apply.
Bluebird is issued by American Express Travel Related Services Company, Inc., not a bank. Bluebird is not a bank account. Bank accounts may offer features and benefits that are different from those provided by Bluebird (e.g. Bluebird Checks must be pre-authorized; Bluebird has funding/spending limits and funds availability timeframes that are different than those of bank accounts).
Terms and conditions apply; certain fees and surcharges may apply; review this Website, including the Member Agreement, for details. Registration and identity verification required to access all Bluebird features and benefits. Bluebird is available to U.S. residents 18 years old or older (19 in certain states). Not available to VT residents.
All users of our online services are subject to our Privacy Statement and agree to be bound by our Terms of Service. Please review. You can set preferences with .
American Express Travel Related Services Company, Inc., 200 Vesey Street, New York, NY 10285, is licensed as a money transmitter by the New York Department of Financial Services and financial regulators in other states.
All users of our online services are subject to our Privacy Statement and agree to be bound by our Terms of Service. Please review. You can set preferences with .
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Android and Google Play are trademarks of Google Inc.
© 2020 American Express Travel Related Services Company, Inc. All rights reserved.
