Competitors
50
Summary
Serve provides a range of reloadable prepaid debit cards, including Visa and American Express options, designed for flexible money management. Users can benefit from features like early direct deposit, free in-network ATM withdrawals, and the ability to transfer money to other Serve account holders. The service emphasizes security with FDIC insurance and fraud monitoring tools.
Feature Matches5/12
See all5/12
Must Have
3 of 5
Instant P2P Transfers
Prepaid Debit Card (Cash App Card)
Early Direct Deposit
Commission-Free Stock Trading
Bitcoin Trading
Other
2 of 7
Fraud Monitoring & Security
ATM Access & Fee Reimbursement
High-Yield Savings
Round-Up Savings
Pay Over Time (Afterpay)
Instant Discounts & Offers
Customizable Card Designs
PricingTiered
See allTiered
Serve Pay As You Go Prepaid Debit Card
$0.00 monthly
- No monthly fee
- Online card purchase
- Direct deposit
- Customer service (automated or live agent)
- Goals
- Subaccounts
- FDIC Insurance
- Visa's Zero Liability
- Freeze card
- Free early direct deposit
- Broad ATM network (though fees apply for most withdrawals)
- Mobile Check Capture by Ingo® Money (fees apply)
- Account alerts & management tools
- Online bill pay (fee applies)
- Transfer money to other Serve accountholders
- Retail card purchase fee up to $1.50
- Cash reload fee up to $3.95 per transaction
- Online Bill Pay fee $1.00 per transaction
- Signature Purchase Transaction Fee $1.00
- PIN Purchase Transaction Fee $1.00
- ATM Withdrawal fee $2.25 (Serve fee) + ATM operator fees
- ATM Decline fee $1.00
- Over the Counter Withdrawal fee $2.25
- International Transaction fee 3.5%
- International ATM Withdrawal fee $4.95
- International ATM Balance Inquiry fee $1.00
- Inactivity fee $3.95/month after 90 days of no transactions
- Card Replacement Fee - Standard $5.00
- Card Replacement Fee - Expedited $20.00
- Mobile Check Service by Ingo® Money fees apply (1% or 5% of check amount, $5.00 minimum for Money in Minutes)
- Cash Pickup powered by Ria® fees apply (up to $9.49)
- Serve Money Transfer powered by Ria® fees apply (up to $16.99)
- Limited functionality and protections if card not registered
Serve Cash Back Reloadable Visa Debit Card & Bank Account
$9.95 monthly
- 1% unlimited cash back on purchases (less returns/credits)
- Free early direct deposit
- Free ATM withdrawals at over 40,000 MoneyPass® ATMs nationwide
- Mobile Check Capture by Ingo® Money (fees apply)
- Subaccounts to track family spending
- Account alerts & management tools
- Online bill pay
- Transfer money to other Serve accountholders
- Goals
- Built-in security (FDIC Insurance, Visa's Zero Liability, freeze card)
- Retail card purchase fee up to $2.00
- Cash reload fee up to $3.95
- Transactions at non-MoneyPass® ATMs have a $2.50 Serve fee + ATM operator fees
- International Transaction fee 3%
- ATM transactions, fees and Serve Online Bill Pay do not earn Cash Back
- Cash Back cannot be redeemed for cash or otherwise exchanged for value
Serve Free Reloads Reloadable Visa Debit Card & Bank Account
$9.95 monthly
- Free cash reloads at thousands of participating retailers
- Free early direct deposit
- Free ATM withdrawals at over 40,000 MoneyPass® ATMs nationwide
- Mobile Check Capture by Ingo® Money (fees apply)
- Subaccounts to track family spending
- Account alerts & management tools
- Online bill pay
- Transfer money to other Serve accountholders
- Goals
- Built-in security (FDIC Insurance, Visa's Zero Liability, freeze card)
- Retail card purchase fee up to $2.00
- Reloads outside of participating retailers can incur a fee of up to $3.95
- Transactions at non-MoneyPass® ATMs have a $2.50 Serve fee + ATM operator fees
- International Transaction fee 3%
Rationale
Serve offers prepaid debit cards, including Visa and American Express options, which directly matches the 'prepaid-debit-card' feature. They explicitly advertise 'free early direct deposit', fulfilling the 'early-direct-deposit' feature. The website also mentions 'Built-in security to keep you at ease' including FDIC Insurance, Visa's Zero Liability, and the ability to freeze your card, which aligns with 'fraud-monitoring'. Furthermore, Serve provides 'Free in-network ATM withdrawals' and details about fees for out-of-network ATMs, matching 'atm-access-fee-reimburse'. While not as prominent as Cash App's P2P, Serve does allow 'Transfer money to other Serve accountholders', which is a form of instant P2P transfer within their ecosystem. However, it lacks features like stock trading, bitcoin trading, and customizable card designs, which are key differentiators for Cash App.
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See allBest alternatives to [Product] in 2024?
Reddit·tech_enthusiast·2d ago·+142
I've been using Alternative A for 6 months now and it's been fantastic. The pricing is much better and the features are actually more robust than what [Product] offers.
Show HN: We built a better [Product]
Hacker News·startup_founder·5d ago·+89
After struggling with [Product]'s limitations, we decided to build our own solution.
It handles edge cases much better and the API is actually documented properly.
Check it out at our site.
[Product] vs Competitor B - which one should I choose?
Reddit·confused_buyer·Oct 14·+67
Honestly, after trying both, Competitor B wins hands down. Better customer support, cleaner interface, and they don't nickel and dime you for every feature.
Why we migrated away from [Product]
Hacker News·cto_mike·Oct 11·+234
The breaking point was when they changed their API without notice. We lost 3 days of productivity. Solution C has been rock solid for us since we switched.