Amex Bluebird changes deposit limits. Don’t panic.


Note: On January 8, 2015 American Express sent out a notice to a large number of Bluebird & Serve cardholders informing them that loading capabilities on their accounts had been terminated. For more information, see: Amex kills Bluebird and Serve for manufactured spend

If you are a Bluebird account holder, you should have received an email today titled “Important Change to your Bluebird Account”.  The body of the email reads:

We are writing to inform you that we are making a change to your Bluebird Account for added security.
The Bluebird Member Agreement has been modified to reflect an update to the amount of funds that can be added to your Bluebird Account from a linked checking or savings account. Effective immediately, the limit for this type of transaction has been reduced from $10,000.00 to $2,000.00 total per month.
You can review this update in the Bluebird Member Agreement by clicking here.

Don’t worry

If you load your Bluebird card via Swipe Reloads at Walmart or with Vanilla Reload cards, the limits haven’t changed (at least, not yet!).  Here is the relevant section of the updated Member Agreement:


Notice that the only change is to loading Bluebird via a checking or savings account.  Everything else is the same.  Some people are thrown off by the listed debit card limits ($100 per day; $1000 per month).  This applies only to online loads via debit card (which is a bad deal since they charge $2 per load that way).  If you use a debit card at Walmart to reload Bluebird, that is considered a Cash Swipe Reload and it is still free and it still has the higher limits ($1K per day; $5K per month).

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