Serve is a great prepaid product available from American Express. The benefits of Serve include $1,000 of online credit card loads with American Express cards, worth $20 a month with Fidelity American Express ($1,500 of loads if you are grandfathered into SoftServe).
In addition, you can load Serve via Debit Cards (AKA Visa Gift Cards) at Walmart and Family Dollar with a limit of $2,500 a day and $5,000 a month
$500 Per Day for the Entire Store
It has always been assumed that the maximum you can load at Family Dollar is $500 a day. This maximum was $500 a day per store, not per person. This meant that if someone came earlier and loaded $500 you are out of luck that day.
I don't know if that was ever true, but it is certainly not true anymore.
As you can see with the receipts above, I loaded $500 on one Serve card, followed by $400 on another Serve Card 50 seconds apart.
Well, I don't actually know what the loading rules are and I think that the Family Dollar employees don't really know either.
Here is my manager's theory:
She told me that $900 can be loaded every 3 hour block. If you load $900 at 9am or 10am, no one can load until 12pm. 12-3pm is the same, etc.
Is this true? I don't know. Try different combinations yourself and see what works.
One reader claimed that he is able to load $800 on one card with 4 $200 swipes in a row, then he moves on to the next card and does another $800. The claim of his store manager is that everything is ok until he tries to load more than $999 on one card.
Bottom line - load limits are not clear, but they are certainly more than $500 per store. Test the limits with different amounts and see what works and what doesn't.
Anyone else have any personal experience of loading more than $500? Post in the comments below.
I don't know if that was ever true, but it is certainly not true anymore.
As you can see with the receipts above, I loaded $500 on one Serve card, followed by $400 on another Serve Card 50 seconds apart.
(New?) Loading Rules
Well, I don't actually know what the loading rules are and I think that the Family Dollar employees don't really know either.
Here is my manager's theory:
She told me that $900 can be loaded every 3 hour block. If you load $900 at 9am or 10am, no one can load until 12pm. 12-3pm is the same, etc.
Is this true? I don't know. Try different combinations yourself and see what works.
One reader claimed that he is able to load $800 on one card with 4 $200 swipes in a row, then he moves on to the next card and does another $800. The claim of his store manager is that everything is ok until he tries to load more than $999 on one card.
Bottom line - load limits are not clear, but they are certainly more than $500 per store. Test the limits with different amounts and see what works and what doesn't.
Anyone else have any personal experience of loading more than $500? Post in the comments below.
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