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#787113 - 10/10/12 09:19 AM Is Bluebird the solution to unbanking?
Sandra Investing/HFinance Offline
BellaOnline Editor
Koala

Registered: 07/13/12
Posts: 2019
Walmart and American Express have joined together to offer a prepaid card to Walmart shoppers. The card, known as Bluebird, is hoped to replace checking accounts that many low income families do not have. Plus, many more people have been going without a bank, known as unbanking, because of the rising fees banks are charging. So far Bluebird's only fees are $2 to make a deposit from a debit card and $2 for out of network ATM usage.

So what do you think of this? Will it be a help to people or not?
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#787182 - 10/10/12 02:39 PM Re: Is Bluebird the solution to unbanking? [Re: Sandra Investing/HFinance]
Jilly Offline
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Registered: 02/27/03
Posts: 14392
Loc: Verde Valley, AZ
I'd need to know more. Does it come out cheaper than a $10 fee monthly account?

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#787225 - 10/10/12 05:04 PM Re: Is Bluebird the solution to unbanking? [Re: Sandra Investing/HFinance]
Sandra Investing/HFinance Offline
BellaOnline Editor
Koala

Registered: 07/13/12
Posts: 2019
Jilly,

As far as I understand it as long as you don't make a deposit to your Bluebird card from a debit card or use an out-of-network ATM there will be no fees. No minimum balance, no monthly or annual fees. There are to be around 20,000 ATMs in the network. You can direct deposit a check and use a smartphone to take a photo of a check to deposit. Cash deposits can be made at Walmart through a cashier.

It can be used anywhere American Express is used.

This card comes out next week. Once it's out I'll look into it more.

In my opinion, if it's successful, more retailers will soon follow. I sincerely hope it is a help to people and not another way to take money from people.

Either way, it has the potential to hurt the banks.

I'd love to hear from anyone else whose considering trying it.

_________________________
Sandra Baublitz, Investing/Home Finance Editor
Investing Website
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#787227 - 10/10/12 05:15 PM Re: Is Bluebird the solution to unbanking? [Re: Sandra Investing/HFinance]
Jilly Offline
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Highest Posting Power Known to Humanity

Registered: 02/27/03
Posts: 14392
Loc: Verde Valley, AZ
that sounds really good, if one has a walmart near them. you can deposit a check for free at walmart?

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#787470 - 10/11/12 04:55 PM Re: Is Bluebird the solution to unbanking? [Re: Sandra Investing/HFinance]
Sandra Investing/HFinance Offline
BellaOnline Editor
Koala

Registered: 07/13/12
Posts: 2019
Yes, as I understand it.

You can sign up online at bluebirdmoney.com for free or pay $5 for a kit at Walmart. Next week.
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Sandra Baublitz, Investing/Home Finance Editor
Investing Website
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#788199 - 10/17/12 09:21 AM Re: Is Bluebird the solution to unbanking? [Re: Sandra Investing/HFinance]
Sandra Investing/HFinance Offline
BellaOnline Editor
Koala

Registered: 07/13/12
Posts: 2019
You can now register for a Bluebird card at www.bluebird.com.
You will need to provide basic information includin your SSN and date of birth.

You can read the member agreement and consent agreement which gives all the information on Bluebird. Be prepared to read awhile since it is pages long. So far the fees look to be what was disclosed with the original Bluebird announcement.
_________________________
Sandra Baublitz, Investing/Home Finance Editor
Investing Website
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Sandra Baublitz Author Webpage



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#795774 - 12/11/12 11:46 AM Re: Is Bluebird the solution to unbanking? [Re: Sandra Investing/HFinance]
Trish-Contest/Sweepstakes Offline
BellaOnline Editor
Parakeet

Registered: 12/06/07
Posts: 947
Loc: Michigan, US
I can see how something like this might also help people stick to a budget for certain expenses.
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