Get Bluebird

Click here to register now or get a Bluebird Account Set Up Kit at a Walmart store near you.

Get Bluebird

Get a Bluebird Account

How do I get a Bluebird Account?

There are three ways to get a Bluebird Account:

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Once you register online or via the Bluebird Mobile App we will send your Permanent Bluebird Card to the address you provided. We cannot send cards to P.O. Boxes, FPO, APO, Vermont residents, or outside the United States.

You should receive your Permanent Bluebird Card 7-10 business days after you complete registration. You must activate it according to the instructions on the Card. If you have not received your Card(s) within 14 days, please call us.

Note that you must verify your e-mail address before you can activate your Permanent Bluebird Card.

What can I do with the Bluebird Account Set Up Kit?

The Account Set Up Kit is available at participating Walmart stores. The Account Set Up Kit includes information on how to register for a Bluebird Account and includes a Temporary Card, which offers limited features.

With the Temporary Card, you may:

  • Add between $1-$500 dollars
  • Spend the Available Balance at virtually any merchant in the United States that accepts American Express® Cards, including mail-order, online and in-store locations
  • Track the balance and transaction history at Bluebird.com or by contacting us

Do not purchase more than one Account Set Up Kit at Walmart since you can only link one Temporary Card when you register for a Bluebird Account online. Please note that you may only register for one Bluebird Account for yourself. Once registered, you may open up to four linked Sub-Accounts.

To get all the features and benefits of the Bluebird Accounts, you must go to Bluebird.com or use the Bluebird Mobile App to register for an Account. Once you have successfully registered for a Bluebird Account and verified your e-mail address, we will send you a Permanent Bluebird Card in the mail to take the place of your Temporary Card. Once you receive your Permanent Bluebird Card, you must activate it immediately. After you have activated your Permanent Bluebird Card, you will be able to:

  • Link a checking or savings account to your Bluebird Account and add funds
  • Order and send checks
  • Withdraw cash at any ATM in the United States that accepts American Express® Cards*
  • Send, receive, or request money with other Bluebird Members
  • Pay bills
  • Spend the Available Balance at virtually any merchant in the United States that accepts American Express® Cards, including mail-order, online and in-store locations
  • Track the balance and transaction history at Bluebird.com or by contacting us

*Certain fees and limits apply to certain Bluebird features. Please refer to the Fees and Limits section and the Member Agreement.

After you receive your Permanent Bluebird Card in the mail and activate it, your Temporary Card will be deactivated and any remaining balance will be transferred automatically to your Permanent Bluebird Card. When you receive your Card, you should activate it immediately.

Who can get Bluebird?

To have a Bluebird Account, you must:

  • Have a valid Social Security Number
  • Be at least 18 years old*
  • Reside in the United States*
  • Not have a Serve from American Express® digital prepaid account (www.serve.com)

To have a Bluebird Sub-Account, you must:

  • Be at least 13 years old
  • Reside in the United States

There are no minimum balance requirements and no credit reviews to join Bluebird.


Information About FDIC Pass-Through Insurance

Are funds in my Bluebird® Account protected by FDIC insurance? (Quick Summary)

When you add funds to your Permanent Bluebird Account, we will place the funds into custodial accounts we maintain for the benefit of Bluebird Members at one or more FDIC-insured banks (currently Wells Fargo Bank, N.A. and American Express Centurion Bank). If one of the banks in which we have placed your funds fails, your funds should be insured by the FDIC up to the maximum per-depositor coverage limit (currently $250,000 in most instances). Funds on the Temporary Card are not insured by the FDIC.

American Express Travel Related Services Company, Inc. is not a bank, and FDIC insurance does not protect you against the risk of our insolvency. Also, when you add funds to your permanent Bluebird Account, it will take us approximately one business day to place your funds into a custodial account. Your funds will not be insured by the FDIC until we deposit them into the account we maintain at the FDIC-insured bank.

More information about FDIC insurance coverage for Bluebird Account funds is available below.

Are funds in my Bluebird Account protected by FDIC insurance? (Detailed Explanation)

When you add funds to your Bluebird Account, the funds will be placed by us into one or more custodial accounts (“Custodial Account(s)”) we maintain for the benefit of Bluebird Members at one or more FDIC-insured banks (currently Wells Fargo Bank, N.A. and American Express Centurion Bank).  These Custodial Accounts will be set up to provide pass-through FDIC insurance.  Subject to the limitations set forth below, this means that if a bank holding a Custodial Account fails, you should be insured by the FDIC up to the per-depositor coverage limit then in place (currently $250,000 in most instances). Note that the FDIC insurance maximum applies to all of the funds that you have on deposit with the bank that fails, including funds that you have in deposit accounts with the bank other than your Bluebird-related funds in the Custodial Account.

Your Bluebird funds will not receive the benefit of FDIC insurance before they are placed in one of the Custodial Accounts referenced above. We will place funds into the Custodial Accounts not later than the business day after those funds are credited to your Bluebird Account. FDIC insurance coverage is contingent upon our maintaining accurate records and on determinations of the FDIC as receiver at the time of a receivership of a bank holding a Custodial Account.

FDIC pass-through insurance protects funds placed on behalf of a Bluebird Member against the risk of loss (up to the then applicable FDIC deposit insurance limits) should any FDIC-insured bank(s) where we maintain Custodial Account(s) fail. FDIC pass-through insurance does not protect you against the risk of our insolvency. In the unlikely event of our insolvency, funds we place in a Custodial Account should be protected from claims by our creditors; however, it is possible that funds that we hold before placement in a Custodial Account will not be protected from claims by our creditors. Even if funds in your Bluebird Account (whether held by us or held in a Custodial Account) are protected from claims by our creditors, in the unlikely event of our insolvency, it is possible that you will not have access to those funds while court or other legal proceedings are ongoing.

FDIC pass-through insurance also does not protect you against the risk that an attempted funding of your Bluebird Account might fail to complete or be reversed (for example, if a check that you deliver to us is dishonored or a related credit is reversed after initial honor).

Please note:

Funds on Temporary Cards are not eligible for FDIC pass-though insurance. When you register online and establish a Bluebird Account, your Temporary Card funds (to the extent you provide us information about your Temporary Card at registration) will be transferred to your Bluebird Account and be eligible for FDIC pass-though insurance within one business day of establishment of your Bluebird Account.

E-Mail Verification

What is E-mail Verification?

We need to verify your e-mail address to:

  • Deliver important messages to you
  • Enable you to send and receive money to and from other Bluebird Members
How does it work?

We will send a message to the e-mail address you provided. You must click on the link in the e-mail to verify your e-mail address. If you have not received the verification e-mail within 30 minutes after registering, please check your spam or junk mail folder for an e-mail from “servicing@bluebird.com” or log in to your Bluebird Account and click Resend E-Mail.

Deposit Money

Direct Deposit

How do I set up Direct Deposit?

You can request to have your paycheck or your Government Payments added to your Bluebird Account. Just make sure that:

  • Your Bluebird Account is active
  • Your Permanent Card is activated
  • Your employer or payroll department offers this service
  • Your direct deposit comes from a U.S. bank account
  • The direct deposit does not exceed the maximum balance and monthly limits specified in the Fees and Limits section
  • For Federal tax refunds, the information on your refund, including your Social Security Number, must match the information we have on file. If you are filing jointly, please make sure that your Social Security Number is listed first on your Tax Return. Please note that there is a limit of two tax refunds per calendar year per Bluebird Account.

To set up Direct Deposit, follow the steps below:

  1. Log in to your Bluebird Account online or through the Bluebird Mobile App and click on Add Funds
  2. Select Set up Direct Deposit to view your Bluebird Account number and Bank Routing number*
  3. Print out and complete the Bluebird Direct Deposit Form and submit it to your employer to process the request. Certain employers may require you to use their own form or process

If you'd like to read more about Direct Deposit, please see the Member Agreement.

*Please note that the Bluebird Account number and Bank Routing numbers found on the Bluebird Direct Deposit Form can only be used for adding your paycheck or Government Payments to the Bluebird Account and cannot be used for other payments. For payments from your Bluebird Account, please use the Pay Bills option.

Can Direct Deposit be set up for Federal payments?

Yes, Direct Deposit can be set up for Federal payments. For example, the payment can be a tax refund, Social Security payment, SSI payment, civil service retirement payment, VA compensation/pension, Worker's Compensation, or a Federal Employee payroll deposit. Please use the Bluebird account number and Bank Routing number found on the Bluebird Direct Deposit Form.

How long do Direct Deposits take?

It typically takes approximately 1-2 pay periods for your first paycheck to be added. After that, you should receive the direct deposits on your normal pay date.

Tax Refunds

How do I get my Federal tax refund added to my Bluebird Account?

You can avoid waiting for a mailed refund check and get your tax refund directly added to your Bluebird Account. To load your tax refund via direct deposit, use the account and routing numbers found on the Bluebird Direct Deposit Form.

Make sure the information on your Tax Refund, including your Social Security Number, matches the information we have on file. If you are filing jointly, please make sure that your Social Security Number is listed first on your Tax Return. Please note that there is a limit of two tax refunds per calendar year per Bluebird Account.

To set up a Tax Refund Direct Deposit, follow the steps below:

  1. Log in to your Bluebird Account online or through the Bluebird Mobile App and click on Add Funds
  2. Select Set up Direct Deposit to view your Bluebird Account number and Bank Routing number*
  3. Enter the Bluebird Account number and Bank Routing number found in step 2 to your tax form. Select 'Checking' in the 'Account Type' box on your tax form (online or paper)
  4. File your tax form as you normally would.

*Please note that the Direct Deposit Bluebird Account number and Bank Routing numbers are only used for adding your payroll funds to the Bluebird Account and cannot be used for payments. For payments from your Bluebird Account, please use the Pay Bills option.

Can I get my Federal tax refund added to my Bluebird Account if I am filing jointly?

Yes, if your Social Security Number is listed first on your tax return and the information on your tax return, including your full name and social security number, matches the information we have on file.

If you are filing jointly, but your Social Security Number is not listed first, or if the information on your tax return does not match the information we have on file, your Tax Refund Direct Deposit will not be posted to your Bluebird Account and the Tax Refund transaction will be declined.

Please also note that there is a limit of two tax refunds per calendar year per Bluebird Account.

How do I check the status of my Federal tax refund?

Please go to www.irs.gov/refunds to check the status of your tax refund.

Can I get my State tax refund added to my Bluebird Account?

If your state allows, you can Direct Deposit your state tax refund to your Bluebird Account. Please consult your state for instructions.

Add Funds from a checking or savings account

How do I link a checking or savings account to my Bluebird Account?

Once you've verified your e-mail address and activated your Permanent Bluebird Card, you'll need to link and verify your bank account, which must be a U.S. bank account in your name. You can verify the bank account either through Instant Account Verification or Standard Account Verification. Just follow these steps below:

  • Log in to your Bluebird Account online or through your Bluebird Mobile App
  • Click on Add Funds and Add New Source
  • Click on Link Account and provide your name, bank account number and bank routing number

If you opt to use Instant Account Verification, which is offered in partnership with Yodlee Inc., Yodlee will securely log into your online account on your behalf and verify the bank account. You just need to:

  • Enter the information requested (e.g. bank user name and password)

If you opt to use the Standard Account Verification Process, “Bluebird” will make two small trial deposits within 3-4 business days to your bank account. To verify the bank account, you need to:

  • Log in to your Bluebird Account online and click on Funding Sources.
  • Check the two trial deposit amounts from “Bluebird” in your bank account. Each trial deposit should be less than $1.
  • Enter the exact amounts of the trial deposits in the fields for the bank account you want to verify
How do I schedule recurring transfers from a checking or savings account?
  1. Log in to your Bluebird Account
  2. Click on “Settings” and then “Add Funds Settings”
  3. Select “Auto Add Setup” or “Scheduled Add Setup”
How long does it take for funds to be added to my Bluebird Account?

The money transferred from your linked checking or savings account will generally be available within five business days after the request has been made.

Recurring funds transferred from your bank account will also generally be available within five business days after the scheduled date.

If you do not see your funds after five business days or receive a decline message, please call us.

Certain limits apply to adding funds to your Bluebird Account from a linked bank account. Please refer to the Fees and Limits section.

Add Funds from a Debit Card

You can link your Debit Card to your Bluebird Account so that you can add funds online or through your Bluebird Mobile App. You can also add funds from your Debit Card at a Walmart register. Fees and Limits apply to adding funds with a debit card.

How do I link a debit card to my Bluebird Account?

Your debit card must be verified before we can link it to your Bluebird Account. To do this,

  1. Log in to your Bluebird Account online or through your Bluebird Mobile App
  2. Click on “Add Funds” and then “Add New Source”
  3. Provide your debit card information
  4. Verify your billing address

You can link 1 debit card to your Bluebird Account, but the same debit card cannot be linked to more than one Bluebird Account. The debit card must be in your name to successfully link to your Bluebird Account.

Verification of your debit card is immediate. Once verified, your debit card is linked to your Bluebird Account, and you can add funds immediately.

How long does it take for funds to be added from my debit card?

Funds are available immediately when deposited from a debit card that is either linked or used at a Walmart register.

Add Cash

How do I add cash to my Bluebird Account at a Walmart?
  1. Go to the Walmart register and request to add cash to your Bluebird Account.
  2. The money you tender at the register will be available in your Bluebird Account immediately.

If you cash a check at your local Walmart, you can ask for the proceeds to be immediately added into your Bluebird Account.

Certain Fees and Limits apply to adding cash to your Bluebird Account at a Walmart.

How do I add cash with a reload pack?

You can add cash with a Vanilla Reload Network Reload Pack.

To add cash with a Vanilla Reload Network Reload Pack, follow the below steps.

  1. Purchase a Vanilla Reload Pack with cash. A third party purchase fee — typically $3.95 — will be added to your total.
  2. Visit www.VanillaReload.com or call 1-877-429-8140 to transfer your money from the Vanilla Reload Pack to your Bluebird Account. You will need to have both your Bluebird Card number and the Vanilla Reload PIN from the Network Card handy.
  3. After the transfer, the money will be available immediately on your Card.

Certain Fees and Limits apply to adding cash to your Bluebird Account with a Vanilla Reload Pack.


Add funds with a Check

As a Bluebird® Member, you have two ways to add checks to your Bluebird Account. For checks $2,000 or less, the fastest and easiest way is to use the Bluebird Mobile App. If you don't have access to the mobile application or want to add checks greater than $2,000, you can send the check to American Express by mail.

How do I add checks with the Bluebird Mobile App?

If you are a Bluebird Member, you can add a check directly to your Bluebird Account with the Bluebird Mobile App on your iPhone® or Android device. Certain Limits apply to the amount you can add to your Bluebird Account via the Bluebird Mobile App*.

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To add a check with your Bluebird Mobile App:

  • Sign the back of your check
  • Log into the Bluebird Mobile App, click on Add Funds, and then Add a Check by Mobile
  • Follow the directions provided to take a photo of the front and back of your check using your smart-phone. Make sure the check amount you entered matches the amount written on your check. Ensure the check is flattened and fully visible on the screen before taking a picture.
  • Keep your check in a safe place until you receive notification via e-mail that your check was successfully added to your Bluebird Account or additional instructions are given. Once confirmed, you should destroy your check.

You can only add checks $2,000 and under using the Bluebird Mobile App at this time. There are additional restrictions and limits regarding checks that you may add via the Bluebird Mobile App. Please see Member Agreement for complete details.

I made a mistake in the process of adding my check by the Bluebird Mobile App. What should I do?

Please do not resubmit your check. Our system will generally catch errors and an e-mail will be sent to you with instructions.

When will my funds be available for checks added with the Bluebird Mobile App?

If submitted prior to 8PM EST on a business day, your funds will generally be available six business days after submission. Once you submit your check, you will see the transaction as “Pending” in your Transaction History until the funds are available.

What checks are eligible for adding funds to your Bluebird Account through the Bluebird Mobile App?

Only domestic checks drawn on U.S. banks that are payable to you are eligible for adding funds. This includes, but is not limited to:

  • Personal Checks
  • Cashier's Checks
  • Payroll Checks
  • American Express® Traveler's Cheques that are denominated in U.S. dollars
  • Federal and State Government Checks

The following checks are not eligible:

  • International Checks
  • Savings Bonds
  • Money Orders
  • Checks not payable to you
  • Starter Checks without a name
  • Traveler's Cheques not issued by American Express
  • Checks written to two or more people
  • Checks not signed by the payer
  • Checks dated in the future or more than six months in the past

*There are additional restrictions and limits regarding checks that you may add via the Bluebird Mobile App. Please see Member Agreement for complete details. You can only add checks $2,000 and under using the Bluebird Mobile App at this time. Additional limits may also apply. Please refer to the Fees and Limits section.

How do I add Checks by Mail?

You can add funds to your Bluebird Account by sending a check in the mail to American Express (“Check by Mail”). This is an easy way to add funds if you don&39;t have access to the Bluebird Mobile App or want to add a check greater than $2,000. We accept checks of any amount in the mail as long as they meet eligibility requirements and you stay within your total annual account load and balance limit of $100,000.*

How do I add funds from a check to my Bluebird Account by mail?
  • Make sure the check is payable to the name of the Bluebird Member as it appears on the Bluebird Card.
  • Sign the back of the check.
  • Write your 15-digit Card number on the back of the check below your signature.
  • Mail the check to:
    American Express, Bluebird
    PO Box 31900
    Salt Lake City, UT 84131
What checks are eligible for adding funds to your Bluebird Account by mail?

Only domestic checks drawn on U.S. banks that are payable to you are eligible for adding funds. This includes, but is not limited to:

  • Personal Checks
  • Cashier's Checks
  • Payroll Checks
  • American Express® Traveler's Cheques that are denominated in U.S. dollars
  • Federal and State Government Checks, including tax refunds

The following checks are not eligible:

  • International Checks
  • Savings Bonds
  • Money Orders
  • Checks not payable to you
  • Starter Checks without a name
  • Traveler's Cheques not issued by American Express
  • Checks written to two or more people
  • Checks not signed by the payer
  • Checks dated in the future or more than six months in the past

*There are additional restrictions and limits regarding checks that you may add. Please see the Member Agreement for complete details. We accept checks of any amount via Check by Mail as long as you stay within your total annual account load and balance limit of $100,000. Additional limits may also apply. Please refer to the Fees and Limits section.

When will my funds be available?

Once we receive and submit your check for processing, you will see the transaction as “Pending” in your Transaction History until the funds are available. You will receive an e-mail informing you when your funds are available for use.

Funds from mailed checks that are $5,000 or less will generally be available in your Bluebird Account on the fifth business day (up to eight calendar days, not including holidays) after we have received your check. For mailed checks greater than $5,000, funds will generally be available on the seventh business day (up to two weeks, not including holidays) after we have received your check.

If you require your funds faster, consider cashing your check at a Walmart location (pre-printed, payroll, and government checks only-fees may apply) or, for checks in amounts of $2,000 or less, adding the check using the Bluebird Mobile App.

Use the Bluebird Account

Make In-Store Purchases

How do I make in-store purchases?

You can use your Bluebird Card virtually anywhere in the world that accepts American Express®. If a merchant asks you to choose between “credit” and “debit,” select “credit.” No PIN is required for in-store purchases.

There are no cash back or cash over transactions with Bluebird.

The Bluebird Card may not be used in casinos or for car rental reservations. Certain other limitations apply. Please see the Member Agreement for more information.

Your Temporary Card will not work outside of the U.S.

Please note that restaurants, hotels, hair salons, and some other types of merchants may obtain an authorization on the Bluebird Card for an amount up to 20% more than the total bill to cover any gratuity. If the dollar amount of the actual purchase is less than the amount of the approved pre-authorization amount, a “hold” is placed on the remaining available funds until the transaction settles.

If you'd like to learn more, please read the Member Agreement or call us.

How do I use my card at gas stations, hotels, or hair salons?

If you pay at the pump, gas stations will routinely obtain authorization for an estimated gas purchase amount. This amount may exceed the actual amount of your gas purchase and will be “held” until the transaction settles. Please prepay for gas in the station instead of at the pump in order to avoid a “hold” on your funds.

Make Online, Mail-Order, or Phone Purchases

How do I make online, mail-order, or phone purchases?

You can use your Bluebird Card for online, mail-order, or phone purchases with merchants that accept American Express® Cards. Be sure to have your 15-digit Bluebird Card number, the “valid thru” date, and the 4-digit security code on the front of the Card.

If you have a Temporary Card and have not yet received your Permanent Bluebird Card in the mail, please call us to add your name and address in order to use your Temporary Card for online, mail-order, or phone purchases.

Withdraw Cash at ATMs

How do I get ATM access?
  • Once you receive and activate your Permanent Bluebird Card and set up a PIN, you can use your Permanent Card for ATM withdrawals virtually anywhere around the world that accepts American Express® Cards, including ATMs at Walmart stores. If you wish to disable ATM access on your Permanent Card or on your linked Sub-Account Cards, see the Alerts, Controls, and Personal Information section.
  • If you still have a Temporary Bluebird Card, you can use it for ATM withdrawals for a limited time virtually anywhere in the US that accepts American Express® Cards, including ATMs at Walmart stores, but only once you register for a Bluebird Account and complete e-mail verification.
  • If you have forgotten your PIN or would like to edit your PIN, please log in to your Bluebird Account and click on "My Account". Then click "Profile" to edit your PIN.
What limits apply to ATM withdrawals?

Bluebird Members and Sub-Account users are subject to the following ATM withdrawal limits:

  • 3 ATM Withdrawals per day
  • $500 per day
  • $2,000 per month

The limits noted above apply to the combined use of your main Bluebird Card plus any linked Sub-Account Cards. For example, if a Sub-Account User makes 1 ATM withdrawal, the Bluebird Member and any other Sub-Account User may make two additional withdrawals that day within the daily and monthly limits.

What are the fees for ATM transactions?
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
How can I use an ATM for free?

You won't pay American Express fees or network surcharges to withdraw cash at MoneyPass® ATMs, including MoneyCenter Express machines in Walmart, if you have received a Direct Deposit into your Bluebird Account within the past 30 days. Look for the MoneyPass logo or use the MoneyPass locator to find a surcharge-free ATM:

MoneyPass Logo

Please refer to the Fees and Limits section or the Member Agreement for a complete description of ATM transaction fees and surcharges.


Pay Bills

You can use your Bluebird Account to pay individuals or merchants located in the United States, such as your phone company, your landlord, or your utility company.

How do I pay a bill?
  1. Log in to your Bluebird Account online or through the Bluebird Mobile App, and click on Pay a Bill.
  2. If you've already added the payee — business or individual to be paid — simply click on the payee you would like to pay
  3. Provide the information requested and Submit

If you'd like to add a new payee,

  1. Click on Add New Payee
  2. Enter the payee's name and select the merchant from the list (some may have multiple names). If you don&39;t see your merchant on the list, then enter its address and phone number
  3. Enter your account number with this payee (usually visible on your statement) if applicable
  4. Once the payee is added, click Pay Now and enter the requested information

We'll take care of the rest and send you an e-mail notification each time you make a bill payment or if your payment is returned. You can check the status of your payment, change it, or cancel it prior to the cut-off time we establish for relevant payees (the "Cut-Off time") on the Pay Bills Transaction History section. Please see the Fees and Limits section for applicable limits on the use of Pay Bill.

Of course, you can always visit the biller's website and use your Permanent Bluebird Card to pay your bill.

Can I edit or cancel a bill payment after it has been submitted?

You can only edit or cancel pending bill pay payments prior to your payee's Cut-Off time on the date that you submitted your bill payment request. To edit or cancel a bill payment, visit the Bill Pay Transaction History.

After the Cut-Off time, you may still be able to stop payment on bills paid via check by calling Customer Service, but you cannot stop bill payments sent electronically.

Can my Sub-Accounts use the pay bills feature?

No, your Sub-Accounts do not have access to Pay Bills.

How many bills may I pay?

There is no limit to the number of bills you can pay, but there is a limit to the dollar amount of bill payments within a month. Please refer to the Fees and Limits section for applicable limits.

How long does it take for a bill payment to reach the recipient?

Depending on the merchant or individual you are paying, a bill payment generally reaches the payee within approximately two business days in the case of an electronic payment, and approximately five business days in the case of bill payment via check delivered via mail or courier.

We offer a bill payment delivery guarantee. Please see the Member Agreement for details.

Can I schedule recurring payments?

No. Recurring bill payment is not available at this time. However, you are able to pay monthly bills by initiating one-time payments each month.

Bluebird Checks

What is a Bluebird Check?

Bluebird Checks are personalized checks that a Bluebird Member can write to pay another person or company. Before writing a Bluebird Check, the Bluebird Member must obtain pre-authorization. Bluebird Checks protect you and the recipient from overdraft, because pre-authorization is provided only if there are sufficient funds in your Bluebird Account to cover the check.

image of a bluebird check

How do Bluebird Checks work?
  1. Each Bluebird Check must be pre-authorized before you write it. Log onto your Bluebird Account or Bluebird Mobile App and click the “pre-authorize a check” button.
  2. Enter:

    • the 4 digit check number (found on the upper right corner of the check)
    • the check amount
  3. Once approved, a Pre-Authorization Code will be provided, and funds will be debited from your Bluebird Account in the amount of your check.
  4. Finish writing your check with (all steps are required):

    • Pre-Authorization Code in the boxes in the middle of the check
    • pre-authorization date in the date field
    • check amount
    • first and last name (or company name) of who you are writing your check to
    • your signature in the lower right

If you are obtaining pre-authorization for a check over $2,000, it will not be approved immediately online. You will be asked for more information for processing, and it can take up to 2 business days for a decision. DO NOT write the check until you have received an e-mail with the approval and a Pre-Authorization Code for your check. For your protection, only checks that are pre-authorized will be honored by us; any check that is not pre-authorized will be declined, even if your account balance is sufficient.

Checks expire after 180 days from pre-authorization. An expired check will not be honored by us; any check that has expired will be declined, even if your account balance is sufficient.

How do I order Bluebird Checks?

You must be a Bluebird Member to order checks.

  1. Log into your Account at bluebird.com
  2. Select “Settings” and then “Order Checks”
  3. Confirm your address and select either 50 or 100 checks for your order.

A checkbook order fee applies, and will be deducted from your Bluebird Account balance. For current checkbook pricing, please see the Bluebird fee table. Your order will arrive within 10 business days, and you can track it using the tracking number provided to you via e-mail. If you have any questions on your order, call us.

Please Note:

Bluebird Checks must be reordered through your Bluebird Account only. Bluebird Checks cannot be ordered on any other check ordering website.

Anything else I should know about Bluebird Checks?

Approvals
For your protection, only checks that are pre-authorized will be honored by us; any check that is not pre-authorized will be declined, even if your account balance is sufficient. If you have written a Bluebird Check without pre-authorization, contact the payee to let them know not to cash or deposit it.

Direct Deposit
For your protection, the routing and account numbers on Bluebird Checks cannot be used to enroll in Direct Deposit or recurring payments; instead follow the Direct Deposit enrollment instructions online. [Use Bluebird's Pay Bills feature for regular payments, like a gym membership, instead of Bluebird Checks.]

Recipient Confirmation
Anyone accepting a Bluebird Check can call 1-866-289-9588 and follow the prompts to learn whether the check has been pre-authorized. The recipient will also hear the expiration date, which is 180 days from the date the check was pre-authorized. An expired check will not be honored by us; any check that has expired will be declined, even if your Account balance is sufficient.

Stop Payment
If you want to stop payment on a check that you have already pre-authorized, call Bluebird Customer Service. Bluebird Checks that have been cashed or confirmed by the recipient may not be stopped.

Send, Request, or Receive Money

How do I send to or request money from someone?

You can send money to or request money from anyone with a Bluebird Account! If you send money to or request money from someone who is not a Bluebird Member, then that person will receive e-mail instructions on how to register for a Bluebird Account. Once they set up their Bluebird Account, they can begin to send and receive money.

To send or request money, click on Send Money or Request Money online or with your Bluebird Mobile App and follow the directions provided. We will notify you via e-mail when your send or request has been accepted, cancelled, or negotiated.

How do I cancel a payment or request for money?

You can cancel the payment or request only if it has not been accepted. To cancel the request, go to the Updates section under My Accounts online or to Transactions from the Bluebird Mobile App.

What is the “Suggest New Amount” feature?

When someone sends money to or requests money from you with Bluebird, you can specify a different amount through the “Suggest New Amount” feature. Turn on this feature by going to the Account Settings link after logging into your online Bluebird Account.

If the “Suggest New Amount” feature is turned off, you will only be allowed to accept or cancel requests.

Transfer money from Bluebird to a bank account

How do I transfer money out of my Bluebird Account?

You can transfer money only to your linked checking or savings account, but not to a debit card. Just log into your Bluebird Account, click on the Transfer Money link, and follow the instruction from there. It typically takes approximately 3-5 business days.

There are no cash back or cash over transactions with Bluebird.

How do I cancel a request to transfer money from my Bluebird Account?

Once you've made the request, you cannot cancel it.

SetAsideSM Account

As a Bluebird Member, you may set up a SetAside Account, which can be used to put funds away towards a specific goal. Whether you are setting funds aside for a family vacation, a large purchase, or even for a rainy day, a SetAside Account can help you reach your goal.

With a SetAside Account, you can transfer funds from your Available Balance into the SetAside Account. When you're ready to spend the funds in the SetAside Account, simply transfer the funds back into your Available Balance. Moving funds in and out is simple and can be done anytime you want.

How do I set up a SetAside Account?

Set-up is simple!

  1. Log in to your Account online or with the Bluebird Mobile App
  2. Select the “SetAside Account” tab from your homepage
  3. Click “Create a SetAside Account”
  4. Enter a name for your SetAside Account (e.g. My Vacation)
  5. Click “Submit”
How do I add funds?

Funds can only be added to the SetAside Account by transferring money from the Available Balance. Adding funds to the SetAside Account can be done in five easy steps.

  1. Log in to your Account online or with the Bluebird Mobile App
  2. Select the “SetAside Account” tab from your homepage
  3. Click “Transfer In”
  4. Enter the amount you want to transfer from your Available Balance to the SetAside Account
  5. Click “Submit” and funds will be transferred immediately

You can add money one-time or schedule automatic recurring transfers. To learn how to schedule automatic recurring transfers, click here. There are no limits on the number of times you can transfer funds from your Available Balance into the SetAside Account and there are no fees when you transfer funds.

How do I spend the SetAside Account funds?

IMPORTANT: Funds cannot be spent directly from the SetAside Account. To use funds from the SetAside Account, they must first be transferred back to the Available Balance, as followed below:

  1. Log in to your Account online or with the Bluebird Mobile App
  2. Select the “SetAside Account” tab from your homepage
  3. Click “Transfer Out” to transfer money from the SetAside Account back to your Available Balance. Remember, funds can only be used if they are in your Available Balance
  4. Click “Submit”
  5. Once the funds are in your Available Balance, use your Permanent Bluebird Card when you're ready to use your funds or go to your Bluebird Account online to pay bills and more

There are no limits on the number of times you can transfer funds from the SetAside Account to your Available Balance and there are no fees when you transfer funds.


How do I schedule a recurring transfer to the SetAside Account?

To schedule a recurring transfer, follow the steps below:

  1. Log in to your Account online or with the Bluebird Mobile App
  2. Select the “SetAside Account” tab from your homepage
  3. Click “Transfer In”
  4. Enter the amount you want to transfer from your Available Balance to the SetAside Account
  5. Select the transfer frequency. The options are “Once A Day”, “Once A Week”, “Once Every Two Weeks” or “Once A Month”
  6. Click “Submit”

Please take note of the amount and date of the scheduled transactions and ensure that you have enough funds in your Available Balance to cover the transfer. There are no fees for a declined transaction, but if sufficient funds are not available in your Available Balance on the scheduled transfer date, the transfer will not be processed.

When a transfer is not processed, you will see a notification on your Available Balance.

Can I edit my scheduled recurring transfer?

Yes, you can edit the amount and the frequency of an existing recurring transfer to the SetAside Account by following these steps:

  1. Log in to your Account online or with the Bluebird Mobile App
  2. Select the “SetAside Account” tab from your homepage
  3. Click “Edit Transfer”
  4. Edit the appropriate information (e.g. amount, start date, frequency)

Before submitting your changes, please take note of the new amount and/or start date of the recurring transfer.

How do I temporarily stop recurring transfers when using the “Pause” functionality?

To temporarily stop a scheduled recurring transfer, follow the steps below:

  1. Log in to your Account online or with the Bluebird Mobile App
  2. Select the “SetAside Account” tab from your homepage
  3. Click “Pause” to temporarily stop a scheduled recurring transfer
How do I re-activate previously stopped recurring transfers?

To re-activate a previously stopped scheduled recurring transfer, follow the steps below:

  1. Log in to your Account online or with the Bluebird Mobile App
  2. Select the “SetAside Account” tab from your homepage
  3. Click “Resume” to re-activate a previously stopped scheduled recurring transfer
Are there fees for the SetAside Account?

No, there are no fees associated with the SetAside Account.

Will I get a Card with the SetAside Account?

No, we do not send a Card with the SetAside Account. To learn how to spend funds in the SetAside Account, click here. Simply transfer the funds from the SetAside Account back into your Available Balance and use your funds for your purchase.

Refer a Friend

How do I refer a Friend to Bluebird?

To refer a friend, enter your friend's email address and click Submit.

Manage your Account and Sub-Accounts

Balance, Transactions and Statements

How do I check my Available Balance or my Transaction History?

Check your Bluebird Available Balance or your Transaction History anytime with these options:

  • Log in online or through the Bluebird Mobile App
  • Text “BAL” to BBIRD (22473) for your Available Balance if you are enrolled in the Text Alert program
  • Text “HIST” to BBIRD (22473) for the five most recent transactions in your Transaction History if you are enrolled in the Text Alert program
  • Call us

Your Available Balance includes your completed transactions and pending charges, but not pending additions of funds. Your Total Balance includes your completed transactions and pending additions of funds, but not pending addition of funds. For example, if you have $100 and then spend $10 with a merchant, your Available Balance will be $90 while your Total Balance will remain at $100 until the charge is settled. However, if you have $100 and request that $10 be added to your Bluebird Account from your bank account, your Total Balance will be $110 while your Available Balance will remain at $100 until the pending additions of funds is completed.

Please note that your Transaction History online and via text does not reflect pending merchant charges until they have settled.

Please refer to the Alerts, Controls, and Personal Information section to learn how to enroll in text alerts.

How can I view my Monthly Statement?

You will receive a link to your current monthly statement via e-mail. Click on the link and you will be directed to the Bluebird Account log in page. After you log in, your current monthly statement will appear. To view up to two years of historical statements, log in to your Bluebird Account. Click on the Transaction History button and scroll down to View/Print/Download Statements. Simply select the statement period and click View. You will then be able to print or save the statement in PDF format.

Please note:

  • Restaurants, hotels, hair salons, and some other types of merchants may obtain an authorization on the Temporary Card or Permanent Bluebird Card for an amount up to 20% more than the total bill to cover any gratuity. If you pay at the pump, gas stations will routinely obtain an authorization for an estimated purchase amount to ensure that there will be sufficient funds to cover the final purchase.
  • If the dollar amount of the actual purchase is less than the amount of the approved pre-authorization amount, a “hold” is placed on the remaining available funds and you must wait up to eight days for the remaining funds on your Card to become available.
  • If you'd like to learn more, please read the Member Agreement.

Sub-Accounts

A Sub-Account is an account associated with your Bluebird Account that you establish for another person. It's a convenient and flexible way to give family and friends access to your money, but maintain control over how much they spend and how they spend it.

A Sub-Account is linked to, funded exclusively by, and controlled by the main Bluebird Member. A Bluebird Member can have up to 4 Sub-Accounts.

Who can get a Sub-Account?

Anyone 13 years of age or older who resides in the United States*.

How do I create and manage a Sub-Account?

Once you have successfully registered for a Bluebird Account and verified your e-mail address, you can log in to manage your Account as well as create and manage any associated Sub-Accounts.

  1. Log in to your Bluebird Account and go to Sub-Accounts
  2. Click on the Create a Sub-Account link and follow the instructions
  3. Assign a username and temporary password for your Sub-Account. Your Sub-Account User will need this information to log in

Cards for your Sub-Accounts will be sent to your registered address. Sub-Accounts will have to verify their e-mail addresses and activate their Cards before using.

To track Sub-Account activities, select the Sub-Account under My Accounts. You may also click on the Edit Permissions link to control Sub-Account permissions and alerts.

How do I cancel a Sub-Account?

Call us to cancel a Sub-Account.

What can or cannot Sub-Account Users do?

Sub-Account Users can*:

  • Use their Bluebird Cards at virtually any merchant that accepts American Express® Cards worldwide
  • Withdraw cash at ATMs only if allowed by the Bluebird Member
  • Send money to and request money from a Bluebird Member

Sub-Accounts Users cannot:

  • Add funds to their Account
  • Pay Bills
  • Add checks with the Bluebird Mobile App
  • Create their own Sub-Accounts
  • Send money to or receive money from other Sub-Accounts

Dispute a Transaction

How do I dispute a transaction?

Any problems or disputes you have regarding a purchase or transaction must be addressed directly with the merchant. If the merchant agrees to issue a credit to your Temporary Card or your Permanent Bluebird Card, that amount may not be reflected in your Available Balance for 7 days or more.

Please note:

  • Restaurants, hotels, hair salons, and some other types of merchants may obtain an authorization on the Temporary Card or Permanent Bluebird Card for an amount up to 20% more than the total bill to cover any gratuity. If you pay at the pump, gas stations will routinely obtain an authorization for an estimated purchase amount to ensure that there will be sufficient funds to cover the final purchase.
  • If the dollar amount of the actual purchase is less than the amount of the approved pre-authorization amount, a “hold” is placed on the remaining available funds until the transaction settles.
  • If you'd like to learn more, please read the Member Agreement or call us.

Alerts, Controls, and Personal Information

How do I control my privacy settings?
  1. Log in to your Bluebird Account online and select Settings
  2. Click on Privacy Preferences
  3. Choose and save how you want to receive and share your personal information with Bluebird and our affiliated organizations
How do I set up or opt-out of e-mail alerts?

All Bluebird Members and Sub-Account Users can set up e-mail alerts by following these steps:

  1. Log in to your Bluebird Account online and select Settings
  2. Scroll down to Balance Settings and Balance Inquiry E-mail Alerts to edit your e-mail settings and save changes
How do I set up or opt-out of the Bluebird Text Alerts program?

To set up:

  1. Log in to your Bluebird Account online, and select Profile
  2. Provide your mobile phone number and agree to the terms and conditions of the Bluebird Text Alert Program
  3. A verification message and code will be sent to your mobile phone. Follow the directions provided from there

To opt-out of the Bluebird Text Alert program, just text “STOP” to BBIRD (22473).

Note: American Express does not charge a fee for text alerts. Your wireless communications provider may charge for text alerts. Check with your wireless communications provider for possible charges related to text alerts.

You can receive text messages telling you:

  • Your Account Balance — Text “BAL” to BBIRD (22473)
  • Your Transaction History — Text “HIST” to BBIRD (22473)
  • The list of commands and helpful phone numbers — Text “HELP” to BBIRD (22473)
  • When another Bluebird Member or Sub-Account sends you money
  • When another Bluebird Member or Sub-Account requests money from you

Note: American Express does not charge a fee for text alerts. Your wireless communications provider may charge for text alerts. Check with your wireless communications provider for possible charges related to text alerts.

How do I manage my controls?
  1. Log in to your Bluebird Account online and go to Settings
  2. Click the name of your Account or the Sub-Account that you wish to make changes to
  3. Click the Edit Permissions link

Bluebird Members can control:

  • What a Sub-Account can do with their Bluebird Sub-Account
  • Daily limits for Send, Receive, and Requesting Money and Card transactions
  • Alerts about Account or Sub-Account activity
How do I update my personal information?
  1. Log in to your online Bluebird Account
  2. Click on Profile to edit your personal information, including your PIN and the “Suggest New Amount” Feature

Any information you provide in connection with Bluebird will be treated in accordance with the privacy standards of American Express.

Suspend or Cancel Bluebird

How do I Suspend or Cancel my Bluebird Account?

A Bluebird Member can suspend, reactivate, or cancel the Account simply by calling us.

Access to Services and Benefits

Your Bluebird Account offers access to benefits such as American Express® Roadside Assistance, Purchase Protection*, Global Assist® Services, and Entertainment Access.

American Express® Roadside Assistance

What is American Express® Roadside Assistance?

In the event of car trouble, you have access to Roadside Assistance*. Just call us and we'll send help.

American Express Roadside Assistance may arrange for six (6) basic emergency roadside services to be provided to Bluebird Card Users:

  • Towing to the nearest available repair shop or preferred destination, depending on provider availability
  • Jump starting a battery
  • Delivery of up to two gallons of gas
  • Locksmith service, if keys are locked in the car
  • Changing of a flat tire, if the car has a workable spare
  • Winching

All costs associated with these emergency roadside services are the responsibility of the Bluebird Card User. These services are available when a Card User and a licensed driver are present, or the Card User is licensed themselves. Services are available when traveling within the United States, Canada, and Puerto Rico, regardless of mileage from primary residence. See the Member Agreement for more details.

Purchase Protection*

What is Purchase Protection*?

When an American Express® Card Member charges a covered purchase with their Card account, Purchase Protection* can help protect your purchases for up to 90 days from the date of purchase if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.

Global Assist® Services

What is Global Assist® Services?

Sometimes the unexpected happens when you travel. You lose your passport, you come down with a sudden illness, or you require legal assistance. As a Bluebird Member, you have access to Global Assist Services, which can help you prepare for your trip with customs information and destination guides. While you're traveling more than 100 miles from home, Global Assist Services may offer lost passport replacement assistance, translation services, lost luggage assistance, and emergency legal and medical referrals.

While Global Assist coordination and assistance services are benefits available at no additional charge, Card Users are responsible for the costs charged by medical and legal providers, transportation charges and any other fees charged by service providers.

We reserve the right to contact or require the consent of a Bluebird Member prior to providing certain Global Assist benefits to Sub-Account Users. Learn more about Global Assist Services.

For more information or assistance, call us anytime.

Entertainment Access

What is Entertainment Access?

Entertainment Access* provides access to special savings, exclusive events and advance ticket sales to some of the hottest events in music, sports and theater.

Please visit Entertainment Access for advance ticket sales and to view a complete list of upcoming events. As a Bluebird Member or Sub-Account User, you also have access to discounts on upcoming events at the Ticket Savings Center.

fraud protection

What is fraud protection?

Use the Bluebird Card online or off, and you won&39;t be held responsible for any fraudulent charges made using the Card. We use secure encryption technology to keep your information confidential. And if someone uses your Card without your consent, you'll never pay any part of the fraudulent charges—not even the first $50. No fine print, no deductible—just pure protection, so you can shop with confidence.

If any fraudulent Card charge appears on your statement, simply call us. Our Fraud Detection system watches your account for uncharacteristic or unusually high charges. If we detect unusual activity on your Card, we may suspend further charges until we can confirm the purchases were authorized.

We're available 24 hours a day to answer questions or help with your Account.

So enjoy secure shopping with your Card—just one click away!

Lost, Stolen, Damaged, or Expired Card

What should I do if my Bluebird Card is lost, stolen, or damaged?

Call us immediately. We will issue you a replacement Card at no charge with a value equal to the Available Balance on your Card at the time you notified us. If you have not yet registered for a Bluebird Account or verified your e-mail address, no refunds will be provided for amounts debited from your lost or stolen Card before you have notified us. Once you have registered for a Bluebird Account and verified your e-mail address, you will not be held responsible for any fraudulent charges made using the Card.

If you have a funding source linked to your Bluebird Account, you should immediately contact your bank or employer directly and open a dispute claim on any unauthorized withdrawals.

What should I do if the “valid thru” date printed on the front of the Card has passed?

The money in your Bluebird Account or on your Bluebird Card never expires! American Express will mail you a new Card before the “valid thru” date passes. If your Bluebird Card has expired and you have not received your new Card, please call us.

Fees and Limits

Fees

Fee Type Amount
Setup
Monthly fee $0
Annual fee $0
Activation $0
Add Funds
Direct Deposit $0
From a Checking/Savings Account $0
From a Debit Card ($100 daily limit) $0
Cash at Walmart $0
Cash Reload Packs A fee is charged by the provider of the Cash Reload Pack
Add Checks with Mobile App $0
Add Checks by Mail $0
ATM Cash Access
For Bluebird Cards Receiving Direct Deposit*
MoneyPassTM Network ATM $0
Out-of-Network ATM $2 for each ATM withdrawal
plus any fees assessed by the ATM owner or operator
For Bluebird Cards Not Receiving Direct Deposit
MoneyPassTM Network ATM $2 for each ATM withdrawal
Out-of-Network ATM $2 for each ATM withdrawal
plus any fees assessed by the ATM owner or operator
*To qualify, at least one direct deposit payment must have been received in the thirty (30) days before the ATM transaction.
Spend Money
Purchase Transactions We do not charge a fee for such transactions. However, the merchant or other third parties may impose fees for such transactions, which may be added to the cost of such transactions.
Pay Bills $0
Order 50 Checks Bluebird Checks $19.94 plus $5.94 shipping plus applicable sales taxes
Order 100 Checks Bluebird Checks $26.94 plus $6.94 shipping plus applicable sales taxes
Checkbook order fees are waived through June 1, 2014. During the waiver period, Members are limited to one (1) Bluebird Check order.
Write a Bluebird Check $0
Send, Receive or Request
Send Money $0
Receive Money $0
Request Money $0
Master Account holder's transfer of money to or between, and reclamation of money from, linked Sub-Accounts $0
Information
Customer Service $0
Online Statement $0
Balance Inquiry $0
Online/Mobile $0
Other
Replacement Card(s) $0
Foreign Exchange Fees
Inactivity
$0
Overdraft Fees $0

Limits

The following limits apply to transactions conducted through your Bluebird Account as well as any Sub-Accounts. We may set additional limits on your use of your Bluebird Account and any Sub-Accounts, including in circumstances in which we have not verified all of the identity and other personal information you have provided. All limits remain subject to change in our discretion at any time for legal, risk management, security or other purposes, subject to Applicable Law.

(Limits applied to Bluebird Account and linked Sub-Accounts, in aggregate)

Transaction Limits
Total Account Balance $100,000
Total Account Balance
(exclusive of Direct Deposit and Check by Mail)
$10,000
Add Funds
Total Add Funds Transactions $100,000 per year
*Total Add Funds Transactions
(exclusive of Direct Deposit and Check by Mail)
Up to $10,000 per month
Direct Deposit $100,000 per year
Check by Mail $100,000 per year
Checking or Savings Account Up to $2,000 per month*
*Debit Card(s) (in aggregate) Up to $100 per transaction
$100 per day; and
$1,000 per month*
Cash (includes Swipe Reload and Reload Packs) $1,000 per day
$5,000 per month
*Bluebird-to-Bluebird Receive Money Transactions Up to $10,000 per month*
Add Checks with Mobile App $2,000 per day
$10,000 per month
Spend Money
Total Spend Money Transactions $100,000 per year
Total Spend Money Transactions (other than via Bluebird Checks) $10,000 per month
Merchant Transactions $10,000 per month
Pay Bills $10,000 per month
($5,000 per month in the case of non-registered payees)
Send Money Transactions $2,500 per transaction
$2,500 per month
ATM Withdrawals 3 ATM Withdrawals per day
$500 per day
$2,000 per month
Bluebird Checks Subject to Total Account Balance and Add Money Limits

*May be further limited in circumstances in which we have not verified all of the identity and other personal information you have provided.