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.
NEW! Send money to anyone from anywhere for as little as $4.
Cash is ready for pickup at Walmart in minutes.
Recipient must be 18 years or older1.
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.
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.
Flexible
Add all or part of your paycheck or government benefits, and change your selections at any time.#
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.
Watch Bluebird in Action
Check out these videos to learn more about the great features that come with a Bluebird Account.
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.
Direct Deposit
Enroll in Direct Deposit, and get access to your money up to 2 days faster*.
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.
Debit Card Transfers
Link your debit card to your Account to easily transfer funds to Bluebird.
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.
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.
Shop with added confidence and Purchase Protection*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.
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.
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.
Please note: ATM locations are added to and removed from the MoneyPass® Network on a daily basis, but the locator is updated only weekly.
To be sure that your ATM transaction will be fee-free, please carefully review the transaction screens as you conduct your transaction. If a fee is indicated as being charged, you can terminate the transaction at no cost.
Remember, you can always find the free 24/7 Customer Service number on the back of your Bluebird Card.
You are now leaving this American Express website.
You are about to enter a third-party website where all use is governed by that website's terms and conditions and subject to its privacy and security policies and practices.
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 unpaid.
Get your paycheck up to 2 days faster1 with Direct Deposit.
Convenient
Your funds are automatically added to your Account—no more waiting in lines to cash or deposit checks.
Flexible
Add all or part of your paycheck or government benefits, and change your selections any time2.
Free
It's free to set up and use Bluebird Direct Deposit.
1Faster 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.
2Direct Deposit changes may take up to 1-2 pay periods to take effect.
You are now leaving Bluebird.com
To view or manage your Bluebird Account, you will need to return to Bluebird.com and log in to your Account.
Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles and their parts or accessories, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to USD $1,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for that shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.
If your Bluebird Card is lost or stolen, we protect you against fraudulent purchases.
Transactions at non-MoneyPass ® ATMs have a $2.50 American Express fee. ATM operator fees may also apply. See http://bluebird.com/atm for details.
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.
Data rates may apply.
Must be 13 years of age or older.
Data rates may apply.
Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles and their parts or accessories, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to USD $1,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for that shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.
Roadside Assistance Hotline is a 24-hour dispatch hotline that can send a tow operator or locksmith to assist in an emergency situation. While Roadside Assistance Hotline is available at no additional charge, the Card Member will be charged for any services or goods provided. Tow operator or locksmith can provide the following services: towing, winching, jump starts, flat tire change when Card Member has a workable spare, lockout service when key is in vehicle and delivery of up to 2 gallons of fuel. Services are available when traveling within the United States, District of Columbia, Canada, Puerto Rico and the US Virgin Islands and only when Card Member is present with the eligible vehicle. This product does not cover some vehicles, e.g. rental vehicles, motorcycles, taxicabs, unlicensed vehicles, tractors and trucks over 10,000 lbs gross vehicle weight. Other important exclusions apply. We may be unable to provide you with coordination and assistance services in case of inclement weather or on roadways which restrict access to certain service providers. Lockout service may be unavailable for vehicles with transponder keys. Subject to additional important terms, conditions and exclusions. For full Terms and Conditions, call 1-855-431-1156 or see americanexpress.com/RAterms.
While Global Assist ® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see americanexpress.com/GAterms.
The Bluebird Cash Pickup service is provided by Ria (defined below) pursuant to Ria's Terms and Conditions and Ria's Privacy Policy and the Bluebird Member Agreement and is subject to all applicable laws and regulations. Pickup is available in all 50 United States and Puerto Rico. For tax refunds and refund advances that are Direct Deposited to your Account, the daily Cash Pickup limit will be the lesser of (i) $2,900 and (ii) the tax funds amount, until you have withdrawn the tax funds amount (Arizona Accountholders are only eligible for a $2,500 daily Cash Pickup limit). Otherwise, a $2,500 daily Cash Pickup limit applies. Per transaction limit of $499.99 applies to withdrawals picked up in Arizona. Fee of $3 for each withdrawal up to $500, $6 for each withdrawal of $500.01-$1,000, and $9 for each withdrawal of $1,000.01-$2,900 applies. Other limits and terms and conditions apply. Visit bluebird.com/cashpickup for complete details.
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; and authorized independently or through its affiliate, Ria Financial Services Puerto Rico, Inc. OCIF LICENSE NUMBER TM-2014-031, 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 Bluebird Cash Pickup services.
Bluebird Cash Pickup 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 your Bluebird Cash Pickup order, you must present a valid government-issued photo ID and pickup reference number. You will be required to provide proof of address if your ID does not contain your address or contains a P.O. Box.
Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members (including Prepaid and International Cards). Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities.
The Bluebird Cash Pickup service is provided by Ria (defined below) pursuant to Ria’s Terms and Conditions and Privacy Policy and the Bluebird Consumer Member Agreement and is subject to all applicable laws and regulations. Service is available in all 50 United States and Puerto Rico. For tax refunds that are Direct Deposited to your Account, the daily Cash Pickup withdrawal limit will be the lesser of (i) $2,900 and (ii) the tax refund amount, until you have withdrawn the tax refund amount (Arizona Accountholders are only eligible for a $2,500 daily withdrawal limit). Otherwise, a $2,500 daily Cash Pickup withdrawal limit applies. Per-transaction limit of $499.99 applies to withdrawals picked up in Arizona. Fee of $3 for each withdrawal up to $500, $6 for each withdrawal of $500.01- $1,000, and $9 for each withdrawal of $1,000.01-$2,900 apply. Other limits and terms and conditions apply. Visit bluebird.com/cashpickup for complete details.
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; and authorized independently or through its affiliate, Ria Financial Services Puerto Rico, Inc. OCIF LICENSE NUMBER TM-2014-031, to operate as a Money Transmitter in all United States' jurisdictions where it conducts business. Neither Bluebird nor American Express Travel Related Services Company, Inc. is responsible for Ria’s acts or omissions in its provision of Bluebird Cash Pickup services.
Bluebird Cash Pickup orders can be picked up during Walmart store hours (typically 8:00 a.m. to 8:00 p.m. local time, but hours may vary) at any Walmart MoneyCenter or customer service desk in the state or territory you specified in your order.
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.
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, and a per-transaction limit of $499.99 applies to money transfers picked up in Arizona. 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.
Recipient must be at least 18 years of age. 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, and a per-transaction limit of $499.99 applies to money transfers picked up in Arizona. 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 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.
Fee of up to $3.95 applies (fee varies by retailer). For more information visit bluebird.com/addcash.
Bluebird® is a paperless product. Your e-mail is required to deliver our service and communicate important Account information, disclosures, updates and offers.
