Image of the Bluebird logo in a cricle

Bluebird was mentioned in a Consumer Reports article.

Why Bluebird?

Bluebird is brought to you by American Express and Walmart, giving you:

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The features you want

You can make Direct Deposits, pay bills online, add checks with the Bluebird Mobile App, and set up Sub-Accounts — a great new way to manage family spending.

The value you expect

We believe your money belongs with you. That's why there are no annual, monthly, or overdraft fees and no minimum balance required.

The service you deserve

Our World-class American Express Customer Service is there for you 24 hours a day, 7 days a week. And it's super easy to open a Bluebird Account since there are no credit reviews.

It feels good to Bluebird.

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For information about the availability of FDIC insurance coverage, visit
Bluebird is issued by American Express Travel Related Services Company, Inc.

We've got nothing to hide.

Bluebird Card with a magnifying glass
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.

Mobile device displaying the ability to deposit checks with the Bluebird Mobile App
  • Add all or part of your paycheck or government payments with Direct Deposit
  • Add checks with the Bluebird Mobile App on your Androidtm device or iPhone®
  • Transfer money from your checking or savings account
  • Add cash at virtually any Walmart checkout register
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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.

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

Screen shot of Bluebird's Bill Pay feature
  • Pay bills – from your car payment to your phone bill – at no fee
  • Save time and money – no stamps, envelopes, or trips to the Post Office
  • Make payments at or on the go with the Bluebird Mobile App

ATMs – here, there and everywhere.

Bluebird card in front of an ATM
You can withdraw cash2 at any ATM that accepts American Express® Cards, including the MoneyPass® Network of more than 22,000 ATMs, and Money Center Express machines at Walmart.
As a Bluebird Direct Deposit Customer, you won't pay American Express fees or network surcharges to withdraw cash at MoneyPass ATMs. Please see the chart below to better understand our ATM fee structure:
  Bluebird Member
with Direct Deposit*
Bluebird Member
without Direct Deposit*
MoneyPass ATMs
  • $0 American Express fee
  • $0 ATM network surcharge
  • $2 American Express fee
  • $0 ATM network surcharge
Non-MoneyPass ATMs
  • $2 American Express fee
  • ATM network surcharge
  • $2 American Express fee
  • ATM network surcharge

Find a MoneyPass Network ATM near you.

2Daily and monthly ATM transaction limits apply**. See Member Agreement for details.

Your Goals Within Reach –
with a Bluebird SetAsideSM Account

Image of a Piggy Bank with coins
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

With Bluebird Checks you're protected from overdraft.

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  • Write Checks3 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.
3Checkbook fees may apply.

Bluebird anytime, anywhere.

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It's super convenient and easy to manage your Account at 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
  • Add checks with the Mobile App on your AndroidTM device or iPhone®
  • Pay your bills on the go
  • Transfer money from your bank account
  • Send money to and receive money from friends, family, and just about anyone
  • Put money away for future spending goals with a SetAside Account
You can also request balance and transaction history texts to your cell phone.4
4Messages 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

Sub-Accounts for your inner circle.

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Bluebird Sub-Accounts are great for managing family expenses. You can create up to four separate Sub-Accounts for anyone5 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 Sub-Account holder gets a Card with their name on it. You can easily manage Sub-Account activity by:
  • Setting daily spending limits
  • Turning ATM access off and on
  • Receiving e-mail alerts
5Must be 13 years of age or older.

When you Bluebird, you benefit.

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Every Bluebird Account provides access to benefits.
  • Shopping is better with Bluebird. That's because Purchase Protection* can provide coverage if an eligible purchase made with your Card is accidentally damaged or stolen within 90 days of purchase.
  • With fraud protection,* if your Card is lost or stolen, you won't be responsible for fraudulent Card charges.
  • 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.
  • If you have emergency car trouble, you have access to Roadside Assistance.* Just call us and we'll send help.
  • 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.