Bluebird is a prepaid debit card issued by American Express. The card has virtually no fees and funds have FDIC insurance so that in case the card issuer collapses, your funds will still be safe. Once you get the debit card, you have to learn how to hover around your account. Apart from other uses for your card, you need to understand how to send money to someone’s Bluebird account since you will at times need to transfer money to other Bluebird account holders.
Debit cards are important tools to help you carry large amounts of money on your card. Times are gone when you had to travel with cash in your briefcase. What if you meet with thieves who snatch the whole bag and run away? What if you misplace the cash on the way to your workplace? Walking with cash is dangerous. For the case of debit cards, you will not lose your money when the card is lost so long as you block it immediately.
Bluebird cards are convenient to use online. You can open an online account where you can view your balance, transaction history, edit account details, and so on. Today’s world is all about digitalization in the finance sector so that the movement of money is easy. Online accounts allow you to purchase goods from online merchants thousands of miles away from you and have them delivered to your locality, among other advantages.
How to get started with Bluebird
Signing up for a Bluebird card is easy since you can do it online. You can crate a free account on Bluebird. You can also decide to buy a $5 account setup kit at your nearest Walmart center for immediate use. Loading the card is free of charge at Walmart stores.
Such cards have limited functionality compared to an online account. However, you can complete your account set up online at bluebird to access the full features of your account.
When you get the setup kit, you get a starter card, which you can load with cash or a debit card at the store with any amount between $1 and $500. You can then use the card immediately within the United States to buy goods and services in places where American Express Cards are acceptable.
Why get a Bluebird prepaid debit card?
Bluebird cards have various advantages that you can enjoy. First of all, you can send money to someone without a bank account. Since the card is a prepaid debit card, you do not need any bank account associated with the card whatsoever.
Secondly, the debit card has no monthly or transaction fees. You are therefore able to save a substantial amount of money. Again the card will give you several options to add money to your account. These include direct deposit, using a linked debit card, external bank account, using mobile check deposits and cash reloads at Walmart centers.
Moreover, the card allows you to access your money easily at numerous free 30,000 plus MoneyPass ATMs all over the country. Additionally, the card comes with some perks such as low balance alerts, check-writing, and family subaccounts, from American Express.
However, despite having so many advantages, you incur some fees in out-of-network ATMs and a fee of 1% to 5% if you want mobile checks processed the same day. There is no cashback allowed when you purchase goods at retailers.
Generally, the card is good for parents who want to teach their kids how to save and budget with accounts linking to their parents’ accounts. Also, the card is good for you if you would like to avoid overdraft fees. Furthermore, the card is good for you if you have difficulty in getting a bank account.
Lastly, you can create sub-accounts to be under your main account. It is possible to have up to four cards for anyone whom you want and set limits on their spending and ATM access.
How to send money to someone’s Bluebird account
Banks and credit unions allow you to transfer money from one account to the other. Therefore, you can send money with a checking account number instantly. As I mentioned earlier, the card allows you to transfer money from your card account to other Bluebird account holders. You can transfer money online in the following manner.
- Log into your Bluebird Account.
- Navigate to the Money Out section.
- Select Send Money.
- Select the contact you would like to send money to or tap on ‘Add contact’ to add a new contact to transfer money.
- Enter the total amount of money to transfer and select Send.
The recipient should receive the funds within a short time since money transfer between Bluebird accounts is usually instant or within a few minutes. You can also send money to other account holders at an ATM point. The following is the procedure to transfer money to another user at an ATM point.
- Visit an ATM point and insert the Bluebird debit card.
- Choose your preferred language.
- Enter your PIN and click ‘Yes’ to continue.
- Navigate to the “Fund Transfer” section at the bottom of the ATM display.
- Enter the recipient’s card name and account number.
- Select the type of account between Current Account and Savings Bank Account.
- Enter the amount to transfer and click ‘Correct.’
- Next, click ‘Yes to confirm the amount to send.
You should see a message on your screen telling you whether the transfer was successful. If not, you will see a ‘Time Out’ display which means the transfer was unsuccessful. You will need to repeat the process.
You also need to understand that you can transfer money to other debit card accounts other than Bluebird. Like you can transfer money from one bank to another, Bluebird allows you to transfer money to others using the direct deposit feature.
What are the features of a Bluebird prepaid debit card?
Various features make the card very attractive to users. They include the following.
i) Direct deposit
The card allows you to get your payment up to two days faster with the free Direct Deposit feature. All you need is to give your employer your card details, including the card account and routing numbers, and you are good to go. Direct deposits have various advantages, which include fast access to your tax refund or paycheck.
ii) Free Bill Pay
Bill payment has never been so easy with a prepaid debit card such as Bluebird. You can pay your rent, monthly bills, and more using your Bluebird Account. The Bill Pay option is a free and convenient online feature that allows you to pay your bills with your smartphone with a few taps on your device. You can even set up an automatic payment to avoid forgetting and being late on your payment.
iii) Free MoneyPass ATM Withdrawals
You can withdraw money at over 30,000 MoneyPass ATM locations. Moreover, you can pick up cash at more than 4,700 Walmart stores with the Cash Pickup Powered by Ria.
iv) Mobile Check Capture by Ingo Money
Forget about lining up at a bank to cash out your check if you have the Bluebird card. You can deposit check funds to your online Bluebird Account with Bluebird Mobile App when using the Mobile Check Capture by Ingo Money.
Afterward, you can access your money in 10 days free of charge if your check is not returned unpaid. You can also part with a small fee and get your money in minutes.
The Subaccounts feature is rare to find. You can create up to four sub-accounts to allow people you trust to access your account with your Bluebird account. It makes things easy for a parent to get cards for their children and control how they use the money. That way, their pocket money is safe.
How do I add money to my Bluebird prepaid debit card?
We all know that a prepaid debit card is useless if it does not have money in the account. Therefore, you need to understand how to add money to your card to use for various transactions. The following are ways you can load your Bluebird card.
- Receive money from other Bluebird account holders. You can provide others with the necessary card details for them to transfer money to your card account within minutes.
- Recharge at Walmart. You can go with cash to the nearest Walmart store to top up your card within minutes.
- Use a bank or debit card to load your card. It is possible to add a bank account or credit card to fund your card transactions.
Can I transfer money from my Bluebird account to a bank account?
You can transfer money to someone else’s bank account using your Bluebird card account in a few simple steps as follows.
- Log into your Bluebird card account.
- Navigate to Money Out, then hit Transfer to Bank.
- Your already linked bank account will display for selection. You can also select Link Bank Account and link a new bank account.
- Proceed as per the prompts.
Bluebird is a prepaid debit card issued by American Express that allows you to purchase goods and services online and at physical stores. The card also allows one to send and receive money from others.
Funds in the Bluebird account are FDIC insured to protect you from losing your money if the card issuer collapses. You can transfer money from your card account to a bank account.