Bluebird Prepaid Debit Card Review

Is the America Express Bluebird Prepaid Debit Card worth it? In this post, we tell you why we think the Bluebird Card is indeed the best alternative to checking account on the market. When the Bluebird Card came out, it was promoting features that are usually NOT associated with a prepaid debit card. You could even pick up a set up packet at Walmart for $5 and you could start using your temporary card right away, with many great features, even before your permanent card arrives in the mail. See the video below for how that works and why we like the idea.

As you can see, there is a lot packed into this card. At first, it was too good to be true. But then we went ahead and signed up for our own card. That’s when we came to the realization (and conclusion) that the Bluebird card wants to be different and it is different from the rest. Here are the features we like best.

No Monthly Fee

This is a very big deal. The Bluebird Card has been in existence for a few years now and American Express has kept to their promise. There is no monthly fee and overdraft fees, which is a source of frustration for other prepaid debit card holders.

Direct Deposit and Check Writing

Not only can you direct deposit your paycheck or government benefit/Tax refunds to your Bluebird card but there is no fee. In addition, you can write checks with your deposit card, which makes it very convenient for people who do not have bank accounts but need to write checks for whatever reason. Yes, the card comes with free online bill pay but the ability to write checks is a big advantage over other prepaid cards on the market. See the video below for how the check writing process works (to help you avoid overdrawing the account, which is a good thing)

Robust Mobile Application

The Bluebird Mobile Application (Bluebird app) is very convenient and easy to use. You can track and manage your account online, add checks to your account using your camera phone, add funds from your bank account with ease and pay your bills using the phone app, send and receive money from anyone with a Bluebird account and check your account balance.

"bluebird prepaid mobile app"

Free ATMs

There are over 25,000 MoneyPass ATMs that are free for Bluebird cardholders, including those located in Walmart stores. This is a great benefit since ATM fees is also one of the big sources of irritation for other prepaid card holders. Having the ability to get cash without having to pay a fee gives the card a great feature that traditional bank accounts enjoys, and makes it attractive to the unbanked who are tired of check cashing places.

For these three reasons, we think the Bluebird Prepaid card is the best prepaid card on the market and Consumer Reports agrees that it is a smart way to pay.

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Bluebird Customer Service Chat

If you are trying to reach Bluebird Customer Service, you’ve come to the right place. We have written about how to get in touch with Bluebird Customer Service and speak with a live person. See the full article here.

"Bluebird Customer Service Chat"

Bluebird Customer Service Chat

Unfortunately, there is no chat service for the Bluebird American Express Card. If you have a problem with your card, you should call American Express at the number indicated above for help. They can help you with the following issues over the phone:

Sign Up for a Card
Get a Replacement Card
Walk You Through How to Add Funds
Dispute a Transaction
Get Account Balance
Add Someone to Your Add

Some customers have been complaining about issues they are having trying to reach Bluebird Customer Service for simple issues like getting their cards replaced or dispute unauthorized charges. If thats your story, we want to hear from you. American Express has advertised this card as an alternative to the traditional checking account that gives you all the benefits of a checking account (Bill Pay, ATM Cash Withdrawal, Online Banking etc), backed by outstanding customer service as you will see in the video below. We therefore want to make sure that they are delivering on that promise.

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The Bluebird Cafe Nashville

You have probably seen the The Bluebird Cafe Nashville on TV. The cafe has probably been featured in nearly every episode of ABC’s hit drama Nashville. But what is the Bluebird Cafe?

"Bluebird Cafe Nashville"

About The Bluebird Cafe

The Bluebird Cafe is one of the most popular destinations in the city of Nashville, Tennessee. It is a  90-seat music club that opened in 1982 and has become a famous destination for intimate, acoustic music performed by its composers. You are likely to see major name singers and songwriters performing their own music or artists performing hits songs from other famous artists in the country.

On any given night, artists such as LeAnn Rimes, John Prine, mingle with writers such as American Idol Song Contest winner Regie Hamm. A typical nightly performance consists of three or four songwriters seated in the center of the room, taking turns playing their songs and accompanying each other instrumentally and with harmony vocals. It is an experience that few forget, and one that reflects why Nashville is known as Music City.

Interesting Fact about the Bluebird Cafe Nashville

Young singer/songwriter Taylor Swift was discovered at the Bluebird Cafe by music executive Scott Borchetta when she was 15 years old.

In 2008, original owner and founder Amy Kurland sold Bluebird Cafe to the Nashville Songwriters Association International, a 40+ year old, not-for-profit organization devoted to the service of songwriters and the craft of songwriting.

Reservations and Schedule

The next time you are in Nashville, make it a point to check out the Nashville Cafe. You will not regret it. As one of the premier musical cities in the world, Nashville is country music city and one of the best places to hear great music is the Nashville Cafe. To make a reservation, click here. To see upcoming schedule, including a list of performers, click here.

To buy the famous Nashville Cafe T-shirt, click here.

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What is the Bluebird daily withdrawal limit?

Do you currently have the Bluebird Card by American Express and Walmart and are not sure how much money you can withdraw at any given time? We have the Bluebird daily withdrawal limit information for you below.

The two images below will walk you through the cash limits under the Bluebird Card.

"Bluebird Daily Limits"


"Bluebird daily withdrawal Limits"

In addition to the daily limits, you have to be aware of the fees that come with transactions. The Bluebird card does not come with the fees that checking accounts do have today. That’s because you don’t pay any monthly fees or overdraft fees. You also enjoy free direct deposit and bill pay as part of the service. However, there are certain transactions that will incur fees. Visit American Express to get the complete fee schedule by clicking here.

Here is a quick video on the other great benefits of having a Bluebird Account.

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Bluebird Customer Service Phone Number

This post is about the American Express Bluebird Customer Service Phone Number. We have the number below. But we want to focus on the customer service issues card holders are experiencing when they call the toll free number and how you can get a live person on the phone.

If you have any questions or issues using your Walmart Bluebird Card, you can call customer support toll free at 1 (877) 486-5990. If you are  out of the country, you can call collect at 1 (801) 449-4016. Customer support agents are available 24/7 to help you with your questions. As you can see from the image below, American Express is advertising that you can call them anytime, even at 2AM with questions about your Bluebird card.

"Bluebird Customer Service Phone Number"

Bluebird Customer Service Phone Number

However, the reality for some cardholders have been different. Yes, you can call at 2AM but are you going to get the help you need? Are you going to be able to speak to a live person? Are the support agents knowledgable? Can you understand them when they speak? Based on our own research, which we have detailed here, American Express needs to improve the customer service that is currently being provided for this card. Some of the issues can easily be resolved if there were clear rules that can be easily accessed regarding the card. A lot changes have already been made regarding the Bluebird card, and cardholders have questions regarding the following:

  • What are the Direct Deposit limits?
  • Why does it take so long for Direct Deposits to show up on the card?
  • Why is there such a large hold on the card when you pay for gas at the pump- and it takes forever for the hold of funds to be released?
  • What are the limits to how much you can transfer from a linked checking or savings account?
  • Can you really direct deposit government benefits like Social Security?

Answers to these questions can be found on the FAQs section of the card website, which can be found here. But you have to dig for the information – which is why people call customer service to get the information – and become frustrated when customer service is not available or unhelpful.

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Walmart Bluebird Direct Deposit Form

If you want to set up direct deposit on your Walmart Bluebird Card, we can help. We have a detailed instructions on how to get your your paycheck or government payments onto your card. Click here to see our instructions page.  

If you are just looking for the Walmart Bluebird Direct Deposit form, then see below. To get a copy of the form, you have to log into your bluebird account and follow our detailed instructions to get to the form. Your personal information will be pre-populated on the form, including your account number and the routing number. All you have to do is complete the rest of the form, sign it, and submit it to your company’s Human Resources department or the government agency responsible for your payments/benefits (you have to make sure your employer offers direct deposit in order to be able to add this to your Bluebird card).

Another thing to keep in mind is that there are limits to how much you can direct deposit onto your card in a given year. As of the time of writing this article, the limit is $100,000 per year, which translates to a maximum of $8,333 a month. Check this page to confirm this limit as it may change.

If you encounter any issues during this process, call Customer Service (available 24/7) at:

  • US: 1 (877) 486-5990
  • International Collect: 1 (801) 449-4016

Here is what the Walmart Bluebird Direct Deposit Form looks like:

"Walmart Bluebird Direct Deposit Form"

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