Bluebird direct deposits are now required for free ATM withdrawals, and other Bluebird tidbits

It has long been the case that Bluebird’s Member Agreement has stated that MoneyPass Network ATMs are free for Bluebird cards receiving direct deposit.  Specifically, the Member Agreement says, “To qualify, at least one Direct Deposit payment must have been received in the thirty (30) days before the ATM transaction.”

Until recently, though, the direct deposit requirement was not enforced.  Previously, as long as you used a MoneyPass Network ATM your withdrawals were free.  I described this in my April 2013 post: “Bluebird: Are direct deposits necessary for free ATM use?

Yesterday, though, I received a Tweet from Jose A:

@FrequentMiler I had not made a direct dep to my BB in months and was not charged an atm fee until 2 weeks ago. Just an fyi.

So, I ran out to my nearest MoneyPass ATM and tried it out myself.  Sure enough, Jose A was right.  After withdrawing cash I logged into my Bluebird account and found the $2 fee:

image

Set up Direct Deposit

To avoid ATM fees, you need to setup direct deposit to your Bluebird account.  To do so, simply log into your Bluebird account, then go to “my account… funding sources”.  There you’ll see your Routing Number and Account Number to be used for direct deposit.  While American Express would like you to setup automatic direct deposit from your paycheck, there are many other options you can use.  For example, you can use the routing number and account number to push money to your Bluebird account from services like Amazon Payments and Google Wallet.  I’ve also had success with a transfer of cash back from TopCashBack to my Bluebird account.  With any of these methods, the trick is remembering to push money to your Bluebird account monthly (or at least several days before you plan to withdraw cash).

Other Tidbits

About Greg The Frequent Miler

Greg is the owner, founder, and primary author of the Frequent Miler. He earns millions of points and miles each year, mostly without flying, and dedicates this blog to teaching others how to do the same.

More articles by Greg The Frequent Miler »

Leave a Reply

18 Comments on "Bluebird direct deposits are now required for free ATM withdrawals, and other Bluebird tidbits"

avatar
  Subscribe  
Notify of
Chuck
Guest

I believe that money must be pushed to Bluebird from a request originating at another financial institution. I tried pulling money to Bluebird from a Bluebird originating request. It was labelled transfer rather than direct deposit and I was charged 2.00 when I made an Moneypass ATM withdrawal.I called about it and I was not able to get the fee waived.

DJ
Guest

I;ve tried to add BB account as a bank for Amazon payments,by using the routing & acct# on BB checks on AP’s Add a Bank page. According to AP the routing # is a Wellsfargo? But that small deposits from AP never came thru to be verified.

Donnie Law
Guest

I was scared when I logged in and didn’t see the transfer button! A quick google search solved the problem.

Jennifer
Guest

You don’t specify, but I’m guessing there’s no minimum required for DD? For example, if I direct deposit xxx of my paycheck to my Chase account and then leave a remainder of about $16 to Bluebird two times a month, that should be fine?

caveman
Guest

How about a regular transfer from my other checking accounts like Wellsfargo or Citibank. Will that be OK

Chuck
Guest

I concur that the amount of the direct deposit into the Bluebird account is not a consideration point to determine eligibility to avoid ATM withdrawal charges. Simply having one each month seems to be enough to successfully qualify.

Matthew
Guest

Does anybody know how subaccounts get handled? Say I have direct deposit on the main account, does that mean the subaccounts also get the ATM fee waived? Also from what, I can see a subaccount can not set up direct deposit so not sure how to make sure the ATM fees are waived for the subaccount. Any thoughts?

Brandon
Guest

If doing a direct deposit, would it still be possible to load $5,000 per month using other means, such as from Vanilla Reloads, debit cards, or Visa gift cards? The direct deposit requirement would be reasonable enough if it doesn’t count toward the $5,000 per month load limit.

Roger
Guest

Is it possible to use a gift card with Amazon Payments and send to Bluebird? Or, do I have to add funds to Amazon Payments via my bank?

dave d
Guest

Please help!
I went and bought two one vanilla prepaid visa cards and put $500 on each and planned to deposit the $ to my bluebird acct at walmart to apply towards my mortgage and atalmart. Checkout it would not deposit into bluebird and tried debit and credit but neither worked.
What did I do wrong and what can I do?
Thank you so much.

Bill H
Guest

FM – I thought I’d mention that I just saw that Consumer Reports have done a comparison of stored value cards and have selected Bluebird as the number one choice.

John
Guest

I am deciding between BB And GoBank. Honestly if BB did not charge for in network atm I would go with BB. But since I can not get direct deposit thus will be charged….GoBank it is…