Bluebird by American Express - Alternative to Banking

Bluebird was mentioned in a Consumer Reports article.

What is Bluebird?

Bluebird is a financial account with flexible features and convenient management tools to help you get more from your money. Designed in partnership by American Express and Walmart, Bluebird gives you:

Why Bluebird Video

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The features you want
  • Direct Deposit
  • Online & Mobile Bill Pay
  • Mobile Check Deposit
The value you expect
  • $0 Monthly Fees
  • $0 Overdraft Fees*
  • $0 Minimum Balance
The service you deserve
  • No Credit Reviews
  • Membership Benefits
  • World-class American Express Customer Service

It feels good to Bluebird.

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For information about the availability of FDIC insurance coverage, visit Bluebird.com/FDIC.
*You cannot overdraft with Bluebird, so there are no overdraft fees.


We've got nothing to hide.

No Hidden Fees on your Bluebird Account
These days, it seems there's a fee for everything. But you'll find we've kept ours at the bare minimum, including no minimum balance requirements.

Bluebird charges no fees to fund your Account.1 Plus, there are also:
  • No monthly or annual fees
  • No overdraft fees
  • No foreign exchange fees
  • No Bill Pay fees
  • No inactivity fees
  • No Card replacement fees
1You may incur a third-party purchase fee when funding with a cash load pack.
Take a look at our fee chart to see how minimal our fees really are.

Add funds, conveniently.

Add Funds to your Bluebird Account
  • Add all or part of your paycheck or government payments with FREE Direct Deposit
  • Add checks using Mobile Check Deposit for FREE on your Androidtm device or iPhone®2
  • Transfer money for FREE from your checking or savings account
  • Add cash for FREE at virtually any Walmart checkout register
Android and Google Play are trademarks of Google Inc.
Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

2Messages and data rates may apply.

Paying bills isn't fun, but with Bluebird at least it's easy.

Online Payments with Bill Pay
  • Pay bills – from your car payment to your phone bill for FREE
  • Save time and money – no stamps, envelopes, or trips to the Post Office
  • Make payments at Bluebird.com or on the go with the Bluebird Mobile App

ATMs – here, there and everywhere.

You can withdraw cash3 at any ATM that accepts American Express® Cards, including the MoneyPass® Network of more than 24,000 ATMs, including Money Center Express machines at Walmart.
Bluebird customers enjoy FREE ATM Access at MoneyPass ATMs – you won't pay American Express fees or network surcharges. Please see the chart below to better understand our ATM fee structure:

MoneyPass ATMs
  • $0 American Express fee
  • $0 ATM network surcharge
Non-MoneyPass ATMs
  • $2.50 American Express fee
  • ATM network surcharge

Find a MoneyPass Network ATM near you.


3Daily and monthly ATM transaction limits apply**. See Member Agreement for details.

ATM Locations

Family Accounts for your inner circle.

Family Accounts Video

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Bluebird Family Accounts are FREE and great for managing family expenses. You can create up to four separate Family Accounts for anyone4 you choose, such as your:

Teenager – add money for allowances

College Student – transfer money for books and incidentals

Parent – quickly send money when needed

Every Family Account holder gets a Card with their name on it. You can easily manage Family Account activity by:
  • Setting daily spending limits
  • Turning ATM access off and on
  • Receiving e-mail alerts
4Must be 13 years of age or older.

Your Goals Within Reach –
with a Bluebird SetAsideSM Account

SetAside is a feature linked to your Bluebird Account that is designed to help you put money away for future spending goals – like a family vacation, holiday shopping, or even for a rainy day.
Here's how it works:
  • Easily move funds from your main Bluebird Account into your SetAside Account with one–time or recurring transfers
  • Avoid unintentional spending to reach your goals faster, since you can't spend directly from your SetAside Account
  • Your funds, your choice – when you're ready to spend, instantly move the funds back into your main Bluebird Account – 24/7
SetAsideSM Account

With Bluebird Checks you're protected from overdraft.

Bluebird Checks Video

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  • Write Checks for the things you need, such as rent, a doctor's visit, or school fundraiser.
  • Just pre-authorize the check online or with the Mobile App before you write it, and you know the check will be covered when cashed.
  • There are no overdraft or stop payment fees.
  • Plus, you never have to spend time balancing your checkbook, since funds are immediately deducted from your Account when you pre-authorize.

Bluebird anytime, anywhere.

It's super convenient and easy to manage your Account at Bluebird.com or with the Bluebird Mobile App.
Account management – in the checkout lane or on the 50-yard line.
    With the Bluebird Mobile App, you can:

  • Check your balance and transaction history
  • Transfer money from your bank account
  • Pay your bills on the go
    With Insights, a new set of personal financial management tools, you can:
  • Track your spending
  • Categorize your spending
  • Set maximum monthly spending by category
You can also request balance and transaction history texts to your cell phone.5
5Messages and data rates may apply. Message frequency varies by account and preferences. Text STOP to BBIRD (22473) to cancel. Text HELP to BBIRD (22473) for info. View Bluebird Text Alert Program Terms & Conditions
Account Management Video

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When you Bluebird, you benefit.

Membership Benefits Video

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Every Bluebird Account provides access to benefits.
  • 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.
  • Bluebird has your back when you're traveling more than 100 miles from home and need help.
    Global Assist® Services* offers travel, emergency medical and legal assistance.
  • You have access to Roadside Assistance Hotline.* so when your car breaks down, we can send help your way by providing coordination and assistance services. Third-party service costs are your responsibility. There are some vehicle exclusions and other important restrictions.
  • With Entertainment Access* you'll get special savings and advance tickets to some of the hottest events in music, sports, and theater.
  • And don't forget, you'll have 24/7 access to World-class American Express Customer Service.