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Shirley Pulawski is a freelance reporter who’s documenting the process of going bankless and transitioning to other services for MyBankTracker.com
I have been in the process of giving up a long-time checking account to make the shift to utilizing a Bluebird or other prepaid debit card. I did not anticipate everything to be easy, however I was not gotten ready for as much headache as I’ve experienced up until now, and I still do not have one cent submitted to the account.
First, my editor, Claire Tak, attempted to send my contract pay to my Bluebird by American Express account. She needed to jump with a number of hoops in order to get accepted, but already, she already sent me a paper check in the mail to my traditional savings account.
Next, after including my checking account with a confirmation procedure very much like PayPal utilizes, it appeared like I can include funds from my checking account. I was not in any rush to transfer funds considering that I understood my checks from my full-time job would be direct transferred quickly enough. That was the case until I’d some deceptive activity with my debit card happen, and my debit card got locked out from accessing my funds in my traditional bank.
So I’d a zero balance on my Bluebird account and a great deal of cash in my bank account, however no debit card to access my money. No trouble, I think. I’ll simply add funds from the conventional account to Bluebird and scrape by for a number of days on what restricted cash I had.
Except that when I attempted to move my funds, I got a mistake message from within the Bluebird app on my computer that stated my irreversible card had not been activated. I was rather sure I triggered the card, and was quite sure the card I’d was my long-term one (although I was starting to question) so I called the toll-free number received the error message.
I needed to wade through numerous menus till talking ‘client service’ got me a brand-new menu, and afterwards I’d to endure a lengthy list of all of the ‘beneficial info’ I might discover about my card online. Meanwhile, I was attempting to do this while I was at my full-time job, and time was ticking away.
Getting through the menus to the point I was in fact gotten in touch with somebody was annoying and lengthy. It took longer than it should have, particularly since I called a number recommended in the error message.
Speaking with a representative
Finally, I called a representative. Even after going with all of my account information in the automated menus, I needed to supply her with all the exact same info. When I told her the issue, she sought out my account details and told me she’d to link me with someone else, an ‘account specialist,’ whatever that suggested. I told her I was at work and did not have a great deal of time, and she ensured me I’d not have to wait long, that she’d stay on the line, and that I’d not have to offer all of my information all over again.
Well, she was half-correct – I needed to provide about half of my information all over once again, and it took longer than I ‘d hoped. She did remain on the line with me until the brand-new agent got. She told me my checking account needed to be confirmed. I told her it had actually been confirmed. She stated it had to be verified by her, by calling the bank.
To make a long tale brief: I knew the name on the account was not exactly my name as it appears on my Bluebird account, so I asked her to call my branch, where they know me, and can confirm any info she needed. No, she informed me, she needed to call a number she’d for the bank.
Does it come as a surprise, dear reader, that after I waited another five minutes approximately, access to the account was rejected?
So I thanked her for squandering my time in no unsure terms, and began thinking about other methods I can get my cash from my savings account into my Bluebird account.
Simple solution: use the Bluebird mobile app to scan in a check that I write from the traditional account they simply rejected because they stated it hadn’t been me. I went with all the terms that described exactly what made a check eligible or not, and it looked excellent. One specification is that the check could not be drawn from among my own accounts, however given that they did not see it as my account, then I figured there would not be any problems – I’ll simply utilize their cool mobile app to do it.
Using my brand name brand-new Samsung Galaxy Note 3 with a 13-megapixel video camera that’s the rave of the cell phone world, all I’d to do was open the app, take a well-lit picture, and submit it per their super-simple guidelines.
I took several images that the app declined, despite being crystal clear to me. I attempted a number of type of lighting, both indoors and out, and constantly got rejected. Better still, when I finally had adequate and tried to log out of the app, I could not find a log out alternative anywhere. So I simply closed the app, however the light from my flash remained on – the flash option in the mobile app merely turns on the light and leaves it on for images.
After a day of attempting numerous options, after numerous weeks of casually putting things into area, I still had a zero balance and no guarantee of access to my cash aside from the new debit card I requested from the routine bank. To make the light go off, I rebooted my phone and questioned if I needed to likewise reboot my plans.