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Bluebird by American Express
bluebird.comSummary
Bluebird by American Express provides a mobile-first financial account with a prepaid debit card, early direct deposit, and bill pay features. It aims to offer a convenient and flexible way for users to manage their everyday finances with no monthly fees.
Feature Matches3/12
See all3/12
Must Have
2 of 5
Prepaid Debit Card (Cash App Card)
Early Direct Deposit
Instant P2P Transfers
Commission-Free Stock Trading
Bitcoin Trading
Other
1 of 7
ATM Access & Fee Reimbursement
Fraud Monitoring & Security
High-Yield Savings
Round-Up Savings
Pay Over Time (Afterpay)
Instant Discounts & Offers
Customizable Card Designs
PricingFreemium
See allFreemium
Bluebird Bank Account
$0.00 monthly
- No Monthly Fees
- Free In-network ATM Withdrawals
- Add Cash Fee Free at Family Dollar
- Free Early Direct Deposit
- Online Bill Pay
- Online Registration
- Card Transactions Fee
- No Inactivity Fee
- Send Money to Bluebird accountholders
- ATM balance inquiry (in-network or out-of-network)
- Over the counter withdrawal
- Standard Card replacement
- Add Money at Walmart: $3.74 per transaction (as of July 1, 2023)
- Add Money at other participating retailers: Up to $3.95 per transaction
- Mobile Check Service by Ingo® Money (Money in Minutes): 1% or 5% of check amount, with $5.00 minimum fee (1% for payroll/government checks with pre-printed signature; 5% for all other check types)
- Out-of-network ATM withdrawal: $2.50 (Bluebird fee, plus potential ATM operator fees)
- Cash Pickup powered by Ria®: Up to $9.00 (tiered by amount: $3.00 for up to $500, $6.00 for $500.01-$1,000, $9.00 for $1,000.01-$2,900)
- Bluebird2Walmart Money Transfer powered by Ria®: Up to $16.00 (tiered by amount: $4.00 for up to $50, $8.00 for $50.01-$1,000, $16.00 for $1,000.01-$2,500)
- International ATM withdrawal: $2.50 (Bluebird fee, plus potential ATM operator fees)
- Expedited Card replacement: $20.00
Rationale
Bluebird by American Express offers a prepaid debit card (both American Express and Visa branded options), early direct deposit, and ATM access with fee reimbursement for in-network ATMs. While it offers money transfer services, these are not peer-to-peer in the same way as Cash App, and there is no mention of stock or bitcoin trading. The security features are standard for financial products, but not explicitly highlighted as a unique selling point like Cash App's customizable card locks. There is no mention of savings with interest, round-up savings, pay over time, instant discounts, or customizable card designs.
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