I have had a Bluebird account since 2012 (it is
I have never been charged a fee aside from out-of-network ATM fees.
My checks were all free until 2016ish, but I use them so rarely that I still have all of the free ones.
Everything is done online or at Walmart, and if you hate Walmart as much as I do you'll feel me here.
If you want to deposit cash you have to go Walmart. If you want to schedule a cash pickup, you have to go to Walmart.
I am not a fan of limitations. There are many times I am frustrated because I can't simply walk into my bank, fill out a withdrawal slip, and walk out with $2,000 cash.
You just cant. You have to do it through Walmart, or find an ATM and still be limited to $750 a day.
There still are no chips on these cards.
If you have any refunds/returns expected, also expect to have your patience tested for 7-10 business days. Holds are ridiculous, and transfers are just as bad.
There are useful, quick bits of information we are used to (or expect to have access to) about our accounts and I don't think the Bluebird app delivers. You're very limited in what you can do on it, and what information you can see.
I really hate having to call customer service. It's not an awful experience, but it is always foreign based, and helpful MOST of the time. You'll get real customer service at a real bank.
You will run into many situations where a vendor doesn't even accept American Express cards and you're just SOL unless you have PayPal or the time to wait 7 business days for a bill to be paid from your bank account.
My income has changed since 2012, and I deal with bigger transactions now, larger deposits, and larger amounts that need to be moved from account to account or be pulled in cash and this card just doesn't work for any of that anymore.
I'm looking into a local, physical bank but as you can expect that is never easily done when everything has been with another for the past 8 years.
This is a good card if you have a small income, because you will probably never have fees.
If you have a larger income it is just not worth it.
I don't even think they're FDIC, but don't quote me on that.… read more… read more
Reviewed by: @Nicolerakich1