I've had my Bluebird card for a couple of months. I am currently haveing my paycheck direct deposited to it after having an overdraft issue with my checking account.
The ONLY issue I have had so far was that I used it at the Gas pump to pay for gas once. BIG Mistake!!!! They set aside $100 to cover the the purchase as an "authorization". I about blew a gasket considering I was going out of town for the weekend!. I called and vented, which the CSR calmly allowed, then he explained what happened. He then REMOVED the hold! Excellent(although I had threatened to cancel the card if it couldn't be fixed).
So, here's what I recommend:
1. DO NOT waste $5 buying a started kit at Walmart & adding money. Go to www.bluebird.com & sign up there. You will save $5 & you will know if it will be approved or not.
2. DO NOT preauthorize Gas at the pump. They will hold $100 if you do! Pay for the gas by withdrawing cash from an atm(my local gas station has a money pass atm) or just prepay for a specific amount(yes, it makes filling up harder, but well worth saving yourself the aggrevation).
3.DO NOT use their app to deposit checks. It takes at LEAST a week. Not worth the wait.
4. DO ceate subaccounts & get cards for your kids. My son loves the fact that he has his own card(he's 16). He uses it to pay for his XBox live & other things that I would have to take care of for him. He just gives me the money & I load it to my card & transfer it to his subaccount(evidently you can't load funds with a subaccount card from what I have experienced).
I was also able to get 100 of their checks free(I think that offer is done). The checks require you to pre-authorize them. I LOVE that feature. I have tried for years to get banks to allow me to notate on my on-line banking that I wrote a check & have those funds set aside to cover it so I don't bounce & have to pay an overdraft fee. The banks always ask "Why would you want that?" This is a great way to manage your money & make sure you don't overdraw! & if your checks get stolen they are useless because AmEx will not honor any check that wasn't preauthorized.